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Razorpay Overview

Razorpay is the only converged payments solution company in India that enables businesses to accept, process, and disburse payments through its product suite. Only Zoho Inventory users in the Indian edition will be able to integrate with Razorpay.

If you are an eligible, registered business with a valid store, you can accept international payments made using cards issued by domestic banks or foreign banks and PayPal.

If you are an individual, such as a freelancer, you must integrate PayPal to accept international payments.

How to Set Up Razorpay Payment Gateway for eCommerce Store

Log in to your eCommerce admin panel
Navigate to the Settings → Payments in your admin panel
Click on the “Add payment method” anchor text
If available with your store currency, select “Razorpay” (if not available, see the Razorpay isn’t available with your store currency section below)
In the “Enable payment method” section, click on the toggle to enable the payment method
Enter the “API Key” and “Secret Key” from your Razorpay account, then click on the Submit button

Enable Sandbox Mode for Testing

You can also enable the Sandbox mode to test the keys:

Click on the More options on the same page, and click on the toggle to enable the Sandbox mode
Write down the same keys to the “Test Secret key” and “Test API key” input boxes to test the Razorpay payment method at the checkout

Razorpay Supported Currencies

You can accept payments from your customers in more than 100 foreign currencies using Razorpay’s Payment Gateway and other products such as Payment Pages, Payment Button, Payment Links and Invoices.

Currently, Razorpay supports a host of currencies, including INR, USD, EUR, and SGD.

| CURRENCY NAME | CURRENCY CODE |

|——————-|——————-|

| Indian Rupee | INR |

| United States Dollar | USD |

| Euro | EUR |

| Singapore Dollar | SGD |

You can download the complete list of Razorpay supported currencies (Last updated on 13 April 2023).

Check the latest here: Razorpay supported currencies.

Razorpay Isn't Available with Your Store Currency

If Razorpay payment isn’t available due to your store currency, you cannot select this payment provider. To resolve this issue, you need to change your store’s currency to one that Razorpay supports.

To change your store’s currency:

Head to the Settings → General in your eCommerce admin panel
Click on the “Standards and formats” settings
From the Currency dropdown menu, select the currency that Razorpay supports
Click Save

:::caution

If you’ve already received an order for your online store, you cannot change the currency through the settings. In such cases, please contact eCommerce support (support@eCommerce.com) to request a change in your store currency.

:::

Key Features of Razorpay

Payment Acceptance

Razorpay offers a variety of payment options specifically tailored for the Indian market:

Cards: Debit cards, credit cards, international cards
UPI: All major UPI apps including Google Pay, PhonePe, Paytm
Netbanking: 50+ banks in India
Wallets: Major digital wallets including Amazon Pay, Mobikwik
EMI: Card EMI and cardless EMI options
International Payments: Accept payments in 100+ currencies
Pay Later: BNPL options like LazyPay, Simpl

Business Tools

Beyond payment acceptance, Razorpay offers various business tools:

Dashboard: Comprehensive reporting and analytics
Route: Automate bank transfers and reconciliation
X: Business banking and current account
Payroll: Automate salary payments and compliance
Capital: Access to business loans and credit
RazorpayX Tax: Automate tax payments and compliance

Security Features

Razorpay maintains robust security standards:

PCI-DSS Level 1 compliance
3D Secure authentication
Fraud detection and prevention
Secure data encryption
Tokenization of sensitive payment information

Best Practices for Using Razorpay

Enable popular payment methods: Offer UPI, cards, and netbanking for Indian customers
Set up international payments: Configure international currency acceptance if serving global customers
Test thoroughly: Use the sandbox mode to test all integration aspects before going live
Implement webhooks: Set up webhook notifications to receive real-time payment status updates
Keep credentials secure: Never expose API keys or other sensitive credentials in client-side code
Verify transactions server-side: Always verify payment completion on your server before fulfilling orders
Handle refunds properly: Set up a systematic process for managing refunds and cancellations
Monitor analytics: Regularly review payment analytics to identify trends and potential issues

Razorpay

Table of Contents

Razorpay Overview

How to Set Up Razorpay Payment Gateway for eCommerce Store

Enable Sandbox Mode for Testing

Razorpay Supported Currencies

Razorpay Isn't Available with Your Store Currency

Key Features of Razorpay

Payment Acceptance

Business Tools

Security Features

Best Practices for Using Razorpay

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