Payments

International Payments

Accept International Payments From Indian Customers

S2s Integration

Invoice Collection

Invoice Collection

Automate invoice uploads and buyer details with seamless SFTP integration.

Watch Out!

  1. Invoice collection is mandatory for any import payment to be eligible for settlement.
  2. Turnaround Time (TAT) for settlement begins only after a valid invoice is uploaded.
  3. Ensure each invoice contains the following details:
    • Unique invoice number (Partner’s invoice ID or Razorpay Order ID).
    • Partner’s or business name.
    • Partner’s or business address.
    • Customer’s complete address.
    • Description of goods/services.
    • Units sold (time period, quantity, etc.).
    • Amount in INR (2 decimal places only. For example, $2,341.23).
    • Taxes applied.

Invoice Submission via SFTP

You can automate invoice uploads using Secure File Transfer Protocol (SFTP), enabling streamlined, secure file transfer.

Steps to Connect with Razorpay via SFTP

1. Share Your Public Key

  • Required for setting up SFTP credentials and folder access.
  • Submit your SSH public key to your Razorpay point of contact.

2. IP Whitelisting

  • Only requests from your whitelisted IPs will be accepted.
  • Share a list of authorised outbound IPs to enable secure access.

3. Credentials & Access Details

  • Razorpay will provide:
    • Hostname
    • Port (default: 22)
    • Username
    • Path prefix (based on your MID)
  • Use an SFTP client to connect.

How to Share Invoices via SFTP

File Path Format

Use the following folder and file structure: invoiceUpload/automated/< MID >/YYYY-MM-DD/InvoiceNumber.pdf.
For example: invoiceUpload/automated/MDoeHNNpi0nB7m/2025-05-10/INV_09876.pdf

Important File Naming Rules

  • Folder date format: YYYY-MM-DD.
  • Invoice file: Must be in .pdf format.
  • Avoid using / in folder names or filenames.

File Types and Flows

Invoice ID Validation Process

Razorpay enforces strong validation rules to prevent duplicate or invalid invoice usage.

Successful Payments

  • Status: Captured
  • Invoice Action: Permanently blocked
  • Note: Same invoice ID cannot be reused.

Failed Payments

  • Status: Failed
  • Invoice Action: Released
  • Note: Invoice ID can be reused.

Payments in Intermediate States

  • Status: Created or Authorized
  • Invoice Action: Temporarily blocked
  • Note: Invoice ID is reusable only after final status (Failed or Captured) is reached.

Refunded Payments

Auto-Refunded (Never Captured)

  • Status: Refunded
  • Action: Invoice ID is released.
  • Note: ID can be reused.

Merchant-Initiated Refund (Post-Capture)

  • Status: Refunded
  • Action: Invoice ID is permanently blocked.
  • Note: Cannot be reused.

Partial capture scenarios are not validated by default. Contact Razorpay for support.

AML Screening Process

As per RBI regulations, payments to offshore accounts must undergo AML (Anti-Money Laundering) checks by Razorpay's Authorised Dealer (AD) Bank.

Daily AML Communication

  • You will receive daily emails listing transactions flagged for additional details.
  • Subject Line: Additional Details Required - [Business Name]_MDoeHNNpi0nB7m.

Turnaround Time

  • Share required information within 5 working days to avoid auto-cancellation.
  • Information may include: Full name, address, ownership, percentage of ownership, nature of business, purpose of payment, business website, company, date of birth/incorporation, place of birth/incorporation and so on.

Consequences of Delay

Missing TAT results in:

  • Razorpay lien-marking the funds, or
  • Refund initiation via Dashboard/API.

Best Practices for Invoice IDs

To ensure seamless experience and compliance:

  • Always generate unique invoice IDs per payment.
  • Acceptable IDs:
    • Razorpay order_id.
    • Your internal unique invoice number.

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