> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Setup and Configuration

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

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

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

<AccordionGroup>
  <Accordion title="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.
  </Accordion>
</AccordionGroup>

## 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**:

<Warning>
  **Watch Out!**

  No technical setup is required from businesses. This feature must be enabled by your banking partner or [Razorpay support team](https://razorpay.com/support/) through appropriate feature flags.
</Warning>

## 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`](https://razorpay.com/docs/api/payments/route/create-transfers-payments)
* [`GET /payments/{id}/transfers`](https://razorpay.com/docs/api/payments/route/fetch-transfers-payment)
* [`GET /transfers/{id}`](https://razorpay.com/docs/api/payments/route/fetch-a-transfer)

## Linked Account Setup

### Onboarding Process

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

<AccordionGroup>
  <Accordion title="Information Collection">
    * Account holder details (Name, email and phone).
    * Business information (Registration type, PAN and GST).
    * Settlement details (Beneficiary name, account number and IFSC).
  </Accordion>

  <Accordion title="Bulk Processing">
    * Bank provides linked account details via operations process.
    * Accounts onboarded through bulk CSV upload.
    * Validation through batch processing system.
  </Accordion>

  <Accordion title="Account Validation">
    * Verify batch processing status.
    * Confirm accounts appear in Razorpay dashboard.
    * Test transfer creation capabilities.
  </Accordion>
</AccordionGroup>

<Info>
  **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.
</Info>