Use Razorpay Route to split payments between third parties and manage settlements, refunds and reconciliations by creating Linked Accounts.

Razorpay Route allows you to split payments between third parties, sellers or bank accounts. Using Route, you can easily manage settlements, refunds, reconciliations and make vendor payments. It is helpful for businesses that disburse payments in a one-to-many model.

Razorpay Route simplifies the payment process when handling multiple vendors or accounts.

Route Flow

Following is the flow in which the funds move in Route:

  1. Customer makes a purchase on your site.
  2. You transfer the funds to the Linked Accounts. You can choose to do any one of the followig:
    1. Defer the transfer from being settled.
    2. Define a time until which the transfer settlement should be delayed.
  3. Razorpay settles funds to the Linked Account and sends a webhook payload to you.

To get started with Route:

  1. Log in to the and click Route under PAYMENT PRODUCTS. If you do not have a Razorpay account, .
  2. After log in, you should add linked accounts to start using Route. Refer to the page for more information.
  3. Once linked accounts are added, you can then start creating transfers to those accounts. Refer to the page for more information.

Razorpay Route offers easy management, good control and complete transparency of fund movements between you, your sellers and customers alike. You take charge of funds that require a transfer, refund and settlement.

What We Offer

Using Razorpay Route, you can:

  • Add and manage Linked Accounts.
  • Split payments and transfer funds to multiple Linked Accounts.
  • Reverse transferred funds and manage customer refunds with automated reversals.
  • Manage Linked Account settlements.
  • Move from manual and file-based reconciliation to an entirely API driven one and more.

Handy Tips
Razorpay Route uses the existing Razorpay

. If you are new to Razorpay, we recommend you to understand this flow before you use Route.

The following are the business models across many industries that can benefit by using Razorpay Route:

A financial service that has multiple insurance aggregators might want to use Route to split payments between the aggregators.

Acme Corporation is an insurance aggregator. A customer logs into the website and purchases a health insurance policy of ₹ 10,000 from Insurer A and an add-on, cancer insurance for ₹ 5,000 from Insurer B. Acme can split the transaction amount and transfer it to the Linked Accounts of insurers A and B using Route. Suppose the customer cancels the add-on policy and seeks a refund. Being a Linked Account, Insurer B can directly refund ₹ 5,000 using the Refund Credits from their Dashboard.

A business that has multiple bank accounts might want to route payments to these accounts based on some rules, such as:

  • Geographical location.
  • Centralize and schedule payouts to bank accounts based on business needs.
  • Control settlement schedules for each account.

For example, Acme Corporation is a business operating in various locations in India, such as Chennai, Bangalore, Hyderabad, Lucknow and Delhi. It collects payments centrally and disburses payments via bank accounts created for every location. For example, suppose the Chennai location makes a sale of ₹ 10,000 for a month, and the Hyderabad location makes a sale of ₹ 15,000. In this case, Acme Corporation processes the respective payouts and decides the settlement schedules for each location.

An online marketplace is a business platform where products are sold not only by you but other third-party sellers as well. In such cases, you, as the marketplace owner, need to collect the payment from the customer and disburse it to the third-party sellers.

For example, Acme Corporation owns an e-commerce site. A customer buys a phone costing ₹ 10,000 from seller A, and a phone case costing ₹ 500 from seller B. Acme Corporation collects the total payment (₹ 10,000 + ₹ 500) from the customer and then transfers the respective funds to seller A and seller B. Also, Acme Corporation collects some charges from these sellers for using the e-commerce platform.

A business that offers various customer services such as home repairs, courier, health and wellness, needs to make payouts to service providers on demand.

For example, Acme Corporation offers various services to its customers and routes payments to its service providers. Let us say, a customer avails plumber’s service worth ₹ 1500, and an electrician’s service worth ₹ 1000. Acme Corporation splits payments between the service providers after deducting the commission charges.

You can extend and utilize Razorpay Route in all business models where you want to automate the disbursal of funds to one or more bank accounts. You can explore Razorpay Route and find how best it can serve your unique business model. Contact our

team for any queries.