Invoice Collection

Automate invoice uploads and buyer details with seamless SFTP integration.

Available in🇮🇳 India

Watch Out!

1. Invoice collection is mandatory for any import payment to be eligible for settlement.
2. Turnaround Time (TAT) for settlement begins only after a valid invoice is uploaded.
3. Ensure each invoice contains the following details:
   • Unique invoice number (Partner’s invoice ID or Razorpay Order ID).
   • Partner’s or business name.
   • Partner’s or business address.
   • Customer’s complete address.
   • Description of goods/services.
   • Units sold (time period, quantity and so on).
   • Amount in INR (2 decimal places only. For example, ₹2341.23).
   • Taxes applied.

Invoice Submission via SFTP

You can automate invoice uploads using Secure File Transfer Protocol (SFTP), enabling streamlined, secure file transfer.

Steps to Connect with Razorpay via SFTP

Share Your Public Key

• Required for setting up SFTP credentials and folder access.
• Submit your SSH public key to your Razorpay point of contact.
• Supported SSH key formats:
  • RSA (2048-bit or higher). For example, ssh-rsa.
  • ECDSA. For example, ssh-ecdsa.
  • Ed25519. For example, ssh-ed25519.
• Ensure your key is in the correct format. Using an unsupported or incorrectly formatted key will result in authentication failure.

Watch Out!

Never share your private key with anyone. Only the public key should be provided to Razorpay.

IP Whitelisting

• Only requests from your whitelisted IPs will be accepted.
• Share a list of authorised outbound IPs to enable secure access.
• Maximum of 4 IP addresses can be whitelisted.
• SFTP access will work only from the whitelisted IPs. Attempting to connect from any other IP address will result in connection failure.

Credentials & Access Details

• Razorpay will provide:
  • Hostname: sftp.razorpay.com
  • Port: 22
  • Username
  • Path prefix (based on your MID)
• Use your private key (corresponding to the public key you shared) to authenticate while connecting to Razorpay’s SFTP.
• Use an SFTP client to connect.
• Test your connection: Run telnet sftp.razorpay.com 22 to verify connectivity before attempting SFTP access.

How to Share Invoices via SFTP

File Path Format

Use the following folder and file structure: “/invoiceUpload/automated/< MID >/YYYY-MM-DD/InvoiceNumber.pdf.”
For example: /invoiceUpload/automated/MDoeHNNpi0nB7m/2025-05-10/INV_09876.pdf

Watch Out!

• You must include your Merchant ID (MID) in the path.
• You must include the date folder in YYYY-MM-DD format.
• Missing either component will result in upload failure.
• Once uploaded, invoices become read-only. You cannot edit, rename or delete files after you upload.
• Do not attempt to upload the same invoice multiple times to the same path.

File Types and Flows

Direction	Filename Format	Description
Client → Razorpay	InvoiceNumber.pdf	Inbound File: This will be the invoices submitted by you to Razorpay. It should always be in PDF format. Example: INV_09876.pdf

Invoice ID Validation Process

Razorpay enforces strong validation rules to prevent duplicate or invalid invoice usage.

Successful Payments

• Status: Captured
• Invoice Action: Permanently blocked
• Note: Same invoice ID cannot be reused.

Failed Payments

• Status: Failed
• Invoice Action: Released
• Note: Invoice ID can be reused.

Payments in Intermediate States

• Status: Created or Authorised
• Invoice Action: Temporarily blocked
• Note: Invoice ID is reusable only after final status (Failed or Captured) is reached.

Refunded Payments

Auto-Refunded (Never Captured)

• Status: Refunded
• Action: Invoice ID is released.
• Note: ID can be reused.

Merchant-Initiated Refund (Post-Capture)

• Status: Refunded
• Action: Invoice ID is permanently blocked.
• Note: Cannot be reused.

Partial capture scenarios are not validated by default. Contact Razorpay Support team.

AML Screening Process

As per RBI regulations, payments to offshore accounts must undergo AML (Anti-Money Laundering) checks by Razorpay’s Authorised Dealer (AD) Bank.

Daily AML Communication

• You will receive daily emails listing transactions flagged for additional details.
• Subject Line: Additional Details Required - [Business Name]_MDoeHNNpi0nB7m.

Turnaround Time

• Share required information within 5 working days to avoid auto-cancellation.
• Information may include: Full name, address, ownership, percentage of ownership, nature of business, purpose of payment, business website, company, date of birth/incorporation, place of birth/incorporation and so on.

Consequences of Delay

Missing TAT results in:

• Razorpay lien-marking the funds or
• Refund initiation via Dashboard/API.

Best Practices for Invoice IDs

To ensure seamless experience and compliance:

• Always generate unique invoice IDs per payment.
• Acceptable IDs:
  • Razorpay order_id.
  • Your internal unique invoice number.
• Do not reuse invoice IDs for different transactions unless the original payment has failed.