Frequently Asked Questions (FAQs)

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Under the standard plan designed for small and medium enterprises, Razorpay charges 2% per transaction. Razorpay also offers an enterprise plan designed for large volumes, which gives you the best prices possible for your business. Know more about

No, GST is not mandatory if your business does not have an annual turnover of over ₹20 lakhs. However, if you do not provide your GST details, you would not be able to claim TDS at the time of filing your tax returns.

18% GST is charged on the fee deducted for all payment methods except domestic card transactions of amount < = ₹ 2,000. You can check the

Razorpay offers a sandbox environment where you can test the integrations before going live. To test your integration,

You can use the following test card details to inspect the payment flow with the available payment methods. Use any CVV and any future date as the expiry date.

• Mastercard: 5104015555555558 / 5104060000000008
• Visa: 4111111111111111
• Subscription: 5104015555555558
• International MasterCard: 5555555555554444 / 5105105105105100
• International Visa: 401288888881881 / 4000184186218826
• AMEX: 379862000000006

Standard capture is an authorisation followed by a delayed capture of the payment. In this scenario, if a customer makes a payment, the amount is deducted from the customer's bank account by Razorpay The authorised amount is settled to your account only after you initiate a capture request.

When a customer makes a payment, it goes to the authorized state. You need to capture the payments to get them settled to your account. Auto-capture enables the payments to be captured automatically as soon as they are authorized. Payments that are authorized, but not captured are automatically refunded to the customers in 5 days.
To set up automatic capture of payments, set up

You can manually capture payments:

• From the Dashboard

• Using APIs

  
  You need to capture the payments to get them settled to your account. Payments that are authorized, but not captured are automatically refunded to the customers in 5 days.

Yes, you can accept international payments using Razorpay Payment Gateway. Know more about

No action is required from your end for the settlements. Razorpay automatically settles the captured payments to your account as per your settlement cycle. Know more about

A payment is said to be in the 'failed' state when we do not receive a successful callback message on the transaction from the issuing bank. If the customer’s account is debited and we do not receive a successful callback, the amount will be auto-refunded by the customer’s issuing bank in 7-10 working days.
In case of a failed payment, we verify the status with the bank at regular intervals. If there is a change in status, the payment moves to the authorized state, and a notification is sent to you and the customer.
In such scenarios, you can choose to do any one of the following:

• Provide services: Capture the payment and provide the service/good as was promised earlier to the customer.
• Refund the transaction: If you are not able to provide service to the customer as per the agreed terms (Such as, time of delivery, cost of purchase or inventory issues), refund the payment to the customer.

Yes, Razorpay is PCI-DSS compliant.