FAQs (Frequently Asked Questions)
Find answers to frequently asked questions about Razorpay Route.
You can use Razorpay Route from the Razorpay Dashboard or using APIs to transfer money to customers.
To use Route from the Razorpay Dashboard:
- Log in to the .
- Find a payment on the Transactions panel (left column). Click on the Payment ID to view its details on the right panel. Create a transfer from the payment.
- Alternatively, find a payment under the Payments tab on the Route panel. Click on the Payment ID to view its details, and create a transfer.
You can also use
to transfer money.When a transfer is created from the Dashboard or using the Route APIs, you are notified if the transfer creation was successful or not.
The transfer is processed asynchronously and on success, transfer.processed webhook is sent (if enabled). Know more about
The transfer.processed webhook is sent for every successful transfer. The webhook indicates that the requested transfer is processed, funds are debited from the merchant and credited to the linked account.
Know more about
.Yes, you can reverse transfers. You can initiate a reversal from the Razorpay Dashboard or using APIs.
To create a reversal from the Dashboard:
- Log in to the .
- Go to Route → Transfers. Click on a Transfer ID to view the details. Click on the Create Reversal button to reverse the transfer.
- You can also use the to reverse money transfer.
- You can also all the transfers made on that payment.
No, you cannot create transfers on an order for international currencies. The transfer reversal is available only for INR.
You should initiate Transfer using Payments when information regarding payment split is decided post customer transaction and/or has some other approval/verification dependencies on the linked accounts. For example, in life insurance, you can only transfer funds to a linked account post-approval and policy issuance.
Direct Transfers is an on-demand feature. Raise a request with
to get it enabled for your account.You should initiate Direct Transfers when fund transfers to a linked account is not necessarily linked to any incoming payments. You can also use this feature for payouts.
8. I have created a linked account on the Dashboard in the Test mode. Can I use it on the Live mode?
You can use a linked account created in the Test mode on the Live mode and vice versa.
Currently, we support only INR for Razorpay Route.
You can create linked accounts using bulk upload from the Dashboard. Know more about
.No. Your linked account websites do not need to be whitelisted to use Route. The only requirement is that your website, from which your customers will make the payment, must be whitelisted with Razorpay.
If you are a Mutual Funds Distributor (MFD), Linked Accounts with Asset Management Company (AMC) details are automatically created after you get access to the Route. You do not need to create any Linked Accounts from the Dashboard. Please get in touch with our
for any help on creating Linked Accounts.Penny Testing is a process of validating the bank details. Razorpay will transfer a nominal amount to the bank account details submitted to verify them. Transfers are allowed only on successful validation.
No. The Penny Testing feature is enabled:
- Only for new Linked Accounts.
- Only for those accounts which have this feature enabled.
3. How long does it take for a Linked Account to get activated with the Penny Testing feature enabled?
The Linked Account should get activated immediately. It should not take more than a minute to verify the bank details. Based on the verification results, it goes to the activated or verification_failed state.
Verification Failed
Activated
Verification Pending
Not Activated
All the existing linked accounts are marked as Bank Details Verified, and they will remain activated. No Penny Testing will be done for old Linked Accounts. You can operate those Linked Accounts as usual.
Yes, you can create multiple Linked Accounts with the same email address.
- A Linked Account can have the same email address across different parent merchants.
- At a merchant level, however, the email address of multiple Linked Accounts should be unique.
Example:
Acme Corp has Linked Account LA1 with the email address la1@gmail.com. Acme Corp will not be able to create more Linked Accounts with the same email address. However, other businesses such as Raftar Soft and ABC Co can still create Linked Accounts with the email la1@gmail.com. Further,
You should raise a support request to update the details of a Linked Account. Once they update the details, the Penny Testing will happen again, and the status of the Linked Account will be automatically updated as per the result.
8. Can I modify the bank account details of the Linked Account or create another one if bank verification via Penny Testing fails?
Razorpay will create the Linked Account even if the bank verification fails. Hence, creating another Linked Account will result in a duplicate check failure. You should raise a support request to update the bank account details.
You can upload 50,000 rows in one go with 11 MB as the max file size using the
feature. Below is the expected TAT:No. You can check the status of the upload only from the Dashboard.
No. You do not get any notification when the Linked Account is activated.
No. You do not get any notification when the Linked Account verification fails.
Yes. Penny Testing is supported in both the test and live modes.
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