FAQs (Frequently Asked Questions)

The RBI issued updated Payment Aggregator guidelines in September 2025. Razorpay's compliance and product teams needed time to design a process that makes it straightforward for you to demonstrate compliance. The information requested has been structured so you can understand what is needed and respond quickly with minimal friction.

The two criteria are:

1. Minimum Financial Turnover: Your business must have domestic turnover exceeding ₹40 Lakhs or export turnover exceeding ₹5 Lakhs in either the current (FY26) or preceding (FY25) financial year.
2. Payer-Payee Transparency: You must confirm that the linked account (third party) to which your customers' payments are routed directly interfaces with those customers to provide goods or services.

The accepted documents are:

• GST-3B returns for domestic turnover. You may submit returns from multiple filing periods within a financial year. The cumulative "outward taxable supplies" value across all submitted returns must exceed ₹40 Lakhs.
• Bank-issued FIRC (Foreign Inward Remittance Certificate) for export turnover. This must be a single certificate covering a date range within a financial year and must reflect INR equivalent inward remittances exceeding ₹5 Lakhs.

Documents from either FY25 or FY26 are accepted.

Yes. Route eligibility can be demonstrated using documents from either FY26 or FY25. Submit documents from whichever year meets the applicable threshold.

Yes. If your business is exempt from filing GST or if this is your first year of operation and you have not yet filed GST returns, you may submit a self-declaration confirming your turnover. This declaration will be used to assess your financial eligibility and will be recorded for audit purposes.

This requirement ensures that the third party receiving your customers' payments through Route is the one directly providing goods or services to those customers.

To meet this requirement, submit a written confirmation describing your Route use case. Razorpay will review the submission and, once approved, it will be treated as a valid declaration of Payer-Payee Transparency for your account.

• Unmanaged accounts: Reply to the compliance email sent from routepriority@razorpay.com with the required documents and declaration.
• Managed accounts: Contact your Razorpay account manager directly. You do not need to reply to the email.

The review process is expected to take 5 to 7 business days from the date of submission. You will be notified once the review is complete.

This means your submission did not meet either the minimum financial turnover criteria or the Payer-Payee Transparency requirement set by the RBI.

All Route services on your account were discontinued effective January 1, 2026.

Once your business meets the applicable turnover criteria in a subsequent financial year, you can reach out to reapply for Route access.

If you would like to discontinue Route, please inform your account manager or contact

• The Route page will no longer appear on your Dashboard.
• Route API calls will not be authorised.
• All customer payments will be settled in full to your primary Razorpay settlement account.

You will then be responsible for manually transferring amounts to your vendors or linked parties. You can use Razorpay Payouts or any other suitable method for these transfers.

Razorpay Route automates the splitting of customer payments across multiple beneficiaries at the time of settlement. Without Route, the equivalent workflow is:

1. Customer payments are fully settled into your primary Razorpay account.
2. You manually transfer the relevant amounts to vendors or linked parties.

For automating the second step, you can explore RazorpayX's intelligent transfer solutions.

You can use Razorpay Route from the Dashboard or using APIs to transfer money to customers.

To use Route from the Dashboard:

1. Log in to the Dashboard.
2. 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.
3. 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

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 business and credited to the linked account.

Know more about

Yes, you can reverse transfers. You can initiate a reversal from the Dashboard or using APIs.

To create a reversal from the Dashboard:

1. Log in to the Dashboard.
2. 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

     Reverse Transfers from all Linked Accounts API

     to reverse money transfer.
   • You can also

     refund payment and simultaneously reverse

     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

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

Yes, you can use the same set of Live Mode API Keys on multiple websites or domains.

The Live Mode keys are tied to your single Razorpay account, allowing them to process live transactions from any domain where they are implemented. Using the same keys on a new website will not impact the live payments running on your existing, whitelisted website.

For Testing:

We strongly recommend using your Test Mode API Keys when integrating Razorpay on any new website. Test payments are simulated and ensure that your live payment processing on existing sites remains unaffected during development.

API Keys are generated and managed by the Owner or Admin roles in the Dashboard. Razorpay does not offer a separate Developer Access Role.

To securely facilitate integration and testing (for example, for platforms like WooCommerce, where direct API key input might be required for some plugins), follow this standard workflow:

• Phase 1: Testing (Integration) The Owner or Admin must generate and securely share the Test Mode API Keys with the developer. The developer will use these keys to build and test the integration without affecting any live payments.
• Phase 2: Go-Live Once testing is complete, the Owner or Admin must generate the Live Mode API Keys and provide them to the developer to replace the Test Keys in the final application setup.

This ensures security and maintains clear control over your live payment environment.

You can transfer funds to Linked Accounts using the Route API by referencing the Payment id generated by the Payment Link transaction. This approach is called Create Transfers from Payments.

You can execute the transfer in three ways:

1. Dashboard: Initiate a transfer directly from the specific Payment id within the Transactions or Route section of your Dashboard.
2. API: Use the Create Transfers from Payments API, where you specify the Payment id to be split among your Linked Accounts.
3. Automatic: If you set up an automatic split before the payment link is generated, the funds will be split instantly upon successful payment.

Know more about the

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.

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 businesses.
• At a business 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.

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

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.