Razorpay Route


Razorpay Route allows you to take charge of your payouts to different stakeholders in a single platform. It lets you split payments between various third parties, sellers or bank accounts and manage settlements, refunds, and reconciliations singularly. This solution is fit for any business that needs to disburse payments in one-to-many model.

Razorpay Route eases out payment complexity that inherently arises while working with multiple vendors or accounts.

Use Cases#

Listed below are business models across industries that can benefit from Razorpay Route:

Multiple Bank Accounts#

A business can have multiple bank accounts for various reasons and may want to route payments to these accounts based on some rules, such as:

  • Route payments based on geography
  • Centralize and schedule payouts to bank accounts based on business requirement
  • 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, Delhi, etc. It collects payments centrally and disburses payments via bank accounts created for every location. If Chennai location makes a sale of say ₹ 10,000 for the month and Hyderabad location makes ₹ 15,000, Acme Corporation has to process the respective payouts and decide the settlement schedules for each.

Online Marketplace#

A business that is essentially a platform created by a merchant but the products and services being sold by this merchant are provided through third party sellers too.

Let’s take an example: an e-commerce site is run by Acme Corporation. When a customer buys a phone (₹ 10,000, let’s say) and a case (₹ 500, let’s say) for it, the phone could be sold by Seller A, while the case by Seller B. Acme Corporation collects the payment from the customer and then has to send the money over to Seller A and Seller B. Acme Corporation will probably also charge these sellers because their platform was used.

On Demand Services#

Businesses that offer its customers various services like home repairs, delivery and courier, health and wellness, etc. and need to make payouts to service providers on demand.

Take for example, a company, Acme Corporation that provides various services to its customers and routes payments to its service providers based on the services rendered. Let’s say, a customer avails plumber’s service worth ₹ 1500, and an electrician’s service worth ₹ 1000, Acme Corporation would have to split payments against the service provided for each service provider after deducting the commission charges.

Build Your Custom Use Case#

Razorpay Route can be extended and utilised in all models where you need to automate disbursal of funds to one or more bank accounts. If you'd like to explore how Razorpay Route will best fit your unique business model, you can get in touch with us at razorpay.com/support for any queries.


The Razorpay Route platform is based upon Razorpay’s existing payment flow, which is described here. If you are new to Razorpay, we recommend understanding this before you go ahead with the rest of the document.

What We Offer#

With Razorpay Route, you can manage, control and get complete visibility of fund movements between you, your sellers and customers alike. As a merchant, you take charge of what funds needs to be transferred, refunded, and settled, a la carte.

By simply onboarding your sellers as Linked Accounts on Razorpay’s platform, you can get started with moving your funds to your seller accounts.

With Razorpay Route, you will be able to:

  • Create and manage linked accounts
  • Split payments and transfer funds to multiple linked accounts
  • Create reversals of transferred funds and manage customer refunds with automated reversals
  • Manage linked account settlements
  • Move from manual and file based reconciliation to completely API driven, and more

Using Webhooks#

You can enable the webhook settlement.processed to receive webhook alerts when a transfer made to a linked account is settled. A sample webhook payload for the webhook settlement.processed is available here. To learn more about our Webhooks click here.

Terms Used#

Linked Accounts
Accounts created for third party sellers by the merchant after onboarding them onto the Razorpay platform.
The process of adding individual sellers to the Razorpay platform by the merchant. This process requires submission and verification of mandatory documents.
Payments collected from the customer against an order placed on the e-commerce site.
The process of moving funds from the merchant’s account to the linked account.
The process of moving the transferred funds back to the merchant’s account, which is initiated by the merchant.
The process of completing a payment transaction, wherein Razorpay does a transfer of pending funds to the bank account of the merchant and their linked accounts.
The process of returning funds to the customers from linked accounts.