Can you add UPI to an Indian checkout?

Razorpay’s India gateway lists UPI, cards and net banking. UPI is a way to pay from a bank account through a supported app. Check your account’s available methods and complete Razorpay’s business and identity verification before relying on live payments and settlement.

Your business sells the product. Razorpay processes the payment. For a new UPI integration, Razorpay directs builders to UPI Intent, which opens a supported payment app. Standard Checkout documentation also lists Malaysia, Singapore and the United States. Check the offering and rates for your own market.

When should your app unlock a purchase?

When the server confirms the payment has been captured and belongs to the order. An authorized payment has been approved and is waiting to be collected. A captured payment has been collected. An authorized payment that misses its capture window can be refunded automatically.

Create the Razorpay order from your server. If Checkout returns a success message, verify its signature on the server against the order reference saved there. A signature is a check that the message came from the provider. Then confirm the payment is captured and the order, amount and currency match before you deliver the purchase.

How can you spot an app that delivers too early?

Use paper only. Draw two fictional course orders. On each, record whether the checkout message passes verification, whether the payment was captured and what the app should display. Leave payment sites and your actual app closed.

Keep an approved order waiting
Give the first order a verified message and an authorized payment. It should show that payment is still being confirmed, and the course should stay locked. Now mark it captured with the correct amount and currency. It should open the course once.
Check a mismatched order separately
Give the second order a captured payment reference from a different order. Keep the second course locked while the app checks the discrepancy. The first order should retain its access.

What can you tell a customer about a refund?

Razorpay sends refunds back through the original payment method. Its dashboard can mark the refund processed before a bank tracking reference is available. Check the refund record before saying what happened and use the tracking reference when it becomes available.

If a refund request times out, pause automatic retries for that request. Look up refunds on the original payment and match the amount and any refund reference you have. Keep the case for review if you still cannot identify the result. If your app is designed to retry, have the developer use Razorpay’s repeat-safe refund request with the original key and unchanged refund details.

What comes out of the payment before it reaches your bank?

As of November 12, 2026, Razorpay’s India pricing FAQ gives 2% plus Goods and Services Tax (GST) as the standard gateway rate per successful payment. Standard bank-to-bank UPI can carry the Razorpay platform fee even when the bank charges no merchant transaction fee. Check your current offer, method and settlement options.

Settlement is the separate transfer to your bank after capture and account approval. Compare Razorpay’s payment and settlement reports against your own course orders and bank deposits so you can trace a sale, refund or fee to the right order.