FAQs (Frequently Asked Questions)

1. Can I create linked accounts using Route APIs?
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At present, you can create linked accounts only via the Razorpay Dashboard.

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

To use Route from Razorpay Dashboard:
a. Log in to the Razorpay Dashboard.
b. 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.
c. 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 Route APIs to transfer money.

3. How can I track the status of transactions initiated using Route?
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When a transfer is created from the Razoroay Dashboard or using Razorpay 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 setting up Webhooks.

4. How can I track the status of funds transferred to linked accounts?
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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 setting up Webhooks.

5. Can you reverse a transfer?
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Yes, you can reverse transfers. You can initiate a reversal from the Razorpay Dashboard or using APIs.

To create a reversal from the Dashboard:
a. Log in to the Razorpay Dashboard.
b. 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.

6. Can I create transfers on an order for international currencies?
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No, you cannot create transfers on an order for international currencies. The transfer reversal is available only for INR.

7. When should I initiate Transfer using Payments?
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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.

8. When should I initiate Direct Transfers?
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Direct Transfers is an on-demand feature. Raise a request with our Support team 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.