Payments

Route

Faqs

FAQs (Frequently Asked Questions)

Find answers to the frequently asked questions about Razorpay Route.

1. Can I create linked accounts using Route APIs?🔗

At present, you can create linked accounts only via the Razorpay Dashboard.

2. How can I transfer money to customers?🔗

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?🔗

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?🔗

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?🔗

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?🔗

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?🔗

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?🔗

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.

9. I have created a linked account on the Razorpay Dashboard in the Test mode. Can I use it on the Live mode?🔗

You can use a linked account created on the Test mode on the Live mode and vice versa.

10. Does Razorpay Route support international currencies?🔗

Currently, we support only INR for Razorpay Route.

11. How do I create linked accounts using bulk upload?🔗

You can create linked accounts using bulk upload from the Dashboard. Know more about Batch Upload.

12. Should the linked account websites be whitelisted to use route?🔗

No. Your linked account websites do not need to be whitelisted to use Route. The only requirement is that your website, from which your customers will make the payment, must be whitelisted with Razorpay.

Penny Testing🔗

1. What is Penny Testing?🔗

Penny Testing is a process of validating the bank details. Razorpay will transfer a nominal amount to the bank account details submitted to verify them. Transfers are allowed only on successful validation.

2. Is the Penny testing feature enabled for all Linked Accounts?🔗

No. The Penny Testing feature is enabled:

Only for new Linked Accounts.
Only for Razorpay accounts which have this feature enabled.

3. How long does it take for a Linked Account to get activated with the Penny Testing feature enabled?🔗

The Linked Account should get activated immediately. It should not take more than a minute to verify the bank details. Based on the verification results, it goes to the activated or verification_failed state.

Verification Failed

Activated

Verification Pending

Not Activated

4. What are the different activation statuses of a Linked Account?🔗

Status	Description
`activated`	Linked Account bank details are successfully verified with Penny Testing and ready for transfers.
`verification_pending`	Linked Account bank details are submitted for verification. It moves to the `activated` state if details are successfully verified. You cannot make transfers when Linked Accounts are in the `verification_pending` state.
`verification_failed`	The Linked Account bank details are not verified successfully. You have to update the bank details to make transfers to this Linked Account by reaching out to the Support team.
`not_activated`	The activation form for the Linked Account is not filled. Fill out the activation form to start the activation process.

5. What happens to merchant's existing Linked Accounts when the Penny Testing feature is enabled?🔗

All the existing linked accounts are marked as Bank Details Verified, and they will remain activated. No Penny Testing will be done for old Linked Accounts. You can operate those Linked Accounts as usual.

6. Can I create multiple Linked Accounts with the same email address?🔗

Yes, you can create multiple Linked Accounts with the same email address.

A Linked Account can have the same email address across different parent merchants.
At a merchant level, however, the email address of multiple Linked Accounts should be unique.

Example: Acme Corp has Linked Account LA1 with the email address la1@gmail.com. Acme Corp will not be able to create more Linked Accounts with the same email address. However, other businesses such as Raftar Soft and ABC Co can still create Linked Accounts with the email la1@gmail.com. Further, la1@gmail.com can be used to create a regular merchant account if it does not exist already.

7. Does Razorpay perform Penny Testing when I update a Linked Account's bank details?🔗

You should raise a support request to update the details of a Linked Account. Once they update the details, the Penny Testing will happen again, and the status of the Linked Account will be automatically updated as per the result.

8. Can I modify the bank account details of the Linked Account or create another one if bank verification via Penny Testing fails?🔗

Razorpay will create the Linked Account even if the bank verification fails. Hence, creating another Linked Account will result in a duplicate check failure. You should raise a support request to update the bank account details.

9. How many Linked Accounts can I create in bulk for Penny Testing?🔗

You can upload 50,000 rows in one go with 11 MB as the max file size using the Bulk Upload feature. Below is the expected TAT:

No. of Records	TAT
1,000	5min
10,000	50min
50,000	4h

Penny Testing