About Payout Links

Explore RazorpayX Payout Links, customise branding and see how you can use them.


RazorpayX Payout Links is an easy way to send funds to anyone, especially when you do not have their bank account details. You just need to enter the recipient's name, phone number or email, and the amount to be paid to create a Payout Link.

RazorpayX then sends them a link where the

can then enter their account details (bank account or UPI ID). Once we get their verified account details, we transfer the amount.

Know more about

and their .

To make a payout using a Payout Link:

  1. by entering:
    • Contact details such as name, phone number, email and type
    • Amount
    • Currency
  2. The Payout Link is then sent to the Contact. Contact opens the link and completes OTP verification.
  3. The Contact provides their account details where they want to receive the payout. This creates a Fund account for the Contact.
  4. The Payout amount is transferred to the Fund account created via the details provided by your Contact. The Contact receives the payout amount.
Creating Payout Links process, describing the above process

You can set the Payout Links to debit the necessary amount from your RazorpayX account using any of the following payout modes:

  • NEFT
  • IMPS
  • UPI

By default, all the 3 modes are enabled for Payout Links. However, after a certain limit, RazorpayX uses a specific mode to create a successful Payout Link. If the amount is:

Amount ValueMode of Payout
Less than ₹2,00,000/-You can use IMPS as the mode of transfer.
More than ₹2,00,000/-You can use NEFT as the mode of transfer.

The end recipients can add any bank account details to receive the funds; there is no restriction there.

You can choose to process Payout Links from your account using only one particular mode. For example, you can choose your Payout Links to debit the amount for your account balance using NEFT only.

To do this,

and request the feature. The configured mode will be used to process all payouts made via links from your account.

Watch Out!

This is an account-level setting. You cannot choose a single mode for every individual Payout Link.

Payout Links help you send money to anyone whose fund account or bank details you do not have.

Usually you would talk to the recipient via email or phone to get their bank account details. Then you or your finance team upload the details to the bank portal, after which you process the payout.

This is a time-consuming process with the Contact receiving the money 7-10 days after you contact them. This heavily impacts the customer experience.

You can instead:

  1. Create and send a Payout Link via SMS and email to your Contact.
  2. Customer opens the link and enters their bank account details. This creates a Fund Account for the Contact.
  3. Payout is processed the instant the customer has entered their account details.

This boosts your customer's experience and creates a positive impact on your business image.

For any ecommerce business, Cash on Delivery (CoD) is one of the major modes of payment.

Whenever a CoD order is returned, businesses typically have to reach out to the customer to get their bank account details to refund the order.

With Payout Links, you just send a Payout Link to your Contact and they can use it to get their refund in their preferred fund account. You can set up the

integration and simplify refunds for your business.

You can use Payout Links to collect security deposits when providing rentals.

When you rent houses, furniture, appliances, clothing, cars and bikes and more, you ask your recipient for the upfront deposit, in exchange for the goods. After the usage period ends, the deposit amount is returned.

To refund the money, send the Payout Link to your Contact via SMS or email. The Contact enters their account details and gets the security deposit refunded to their preferred account.

  • Winnings
    For Gaming companies, getting fund account information to payout winnings can be a cumbersome process. With Payout Links, you can send them a Payout Link and their winnings can be are processed instantly.
  • Referrals and Cashbacks
    Any business which wants to offer Cashbacks and other Referral payouts can do so instantly using Payout Links.
  • Incentives
    Payout Links also work when businesses want to process incentive payouts to partners, customers and so on.

You can edit how your Payout Link looks when the recipient/Contact clicks and opens the Payout Link. You can:

  • Change the background/theme colour.
  • Upload your business/company logo.
  • Provide support details like phone number, email id, and your official website.

You can customise your branding in two ways:

  • From the Payout Links page.
  • From RazorpayX Account Settings menu.
  1. On your Dashboard, go to the More Options menu (⋮) next to +PAYOUT LINK.
  2. Click User Guide to open the Get Started section at the top.
  3. Select the Set Up Payout Links option and click EDIT BRANDING.
Payout Links Dashboard on RazorpayX to customise branding

It opens the RazorpayX settings page where you can edit your account and organisation's branding, as shown.

Here is how your Payout Link appears after customising.

Customise the look and feel of the Payout Link

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