Setup and Configuration

Enable Route for Direct Settlement payments. Setup guide, eligibility criteria, linked account management and troubleshooting tips.

Available in🇮🇳 India

can use the Route integration to automatically split payments.

Eliminate manual calculations and reduce operational overhead with faster vendor payouts. This solution requires a new integration and the use of additional APIs for transfer creation.

Primary Eligibility Criteria

VAS Partners under Banking Organisations

• Businesses acquired by banking partners (such as HDFC Bank).
• Currently using Razorpay’s payment stack through banking partnerships.
• Part of programs like HDFC Collect Now or similar banking initiatives.

Setup and Configuration

One of the key advantages of is the minimal setup required:

• New API for Transfer Creation: A new API is used to create transfers.
• No Code Changes (for existing Route users): If you already have a Route implementation, it will work seamlessly with Direct Settlement transactions.

Things that will remain the same for existing Route users:

• API endpoints and request/response formats: If you are already using Razorpay Route, you will continue to use the same API endpoints and formats.
• Webhook configurations and event handling: Your existing webhook configurations and event handling processes will remain unchanged.
• Dashboard interface and reporting: The dashboard interface and reporting will be familiar.
• Transfer creation and management processes:

Watch Out!

No technical setup is required from businesses. This feature must be enabled by your banking partner or Razorpay support team through appropriate feature flags.

Use Current Setup

Businesses who have already integrated with Razorpay Route can continue with their existing setup and patterns.

API Compatibility

All existing Route APIs work with DS transactions:

• POST /payments/{id}/transfers
• GET /payments/{id}/transfers
• GET /transfers/{id}

Linked Account Setup

Onboarding Process

Banking partners manage the linked account setup similar to parent business onboarding:

Information Collection

• Account holder details (Name, email and phone).
• Business information (Registration type, PAN and GST).
• Settlement details (Beneficiary name, account number and IFSC).

Bulk Processing

• Bank provides linked account details via operations process.
• Accounts onboarded through bulk CSV upload.
• Validation through batch processing system.

Account Validation

• Verify batch processing status.
• Confirm accounts appear in Razorpay dashboard.
• Test transfer creation capabilities.

Handy Tips

For technical support during migration or troubleshooting:

• Contact your banking partner for Account-related issues.
• Reach out to for API and technical problems.
• Use your designated account manager for strategic guidance.