On-Demand Settlements

Get cash in hand instantly after accepting online payments with Instant Settlement whenever you want. You don’t need to wait for days to get your customer payments to grow your business with Razorpay.
Get cash-like payments from all the payment methods, be it credit cards or net banking
Works during non-banking hours, weekends, and bank holidays
Transfer to your bank account within 10 seconds
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Same-day Settlements

Now from Day 1, Get your customer payments, straight into your bank account everyday. With Same-day Settlements, Razorpay automatically settles all your customer payments multiple times a day, so your sales are virtually cash-like.

Enable from Day 1
Schedule unlimited settlements on working days
Get T+0 cycle
Service customer with cash in hand or save on interest
Simple and transparent
Get transparent pricing before you enable from the dashboard

Instant Settlements for Marketplaces

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How to use it

Razorpay customers can start using Instant Settlements from the dashboard now with ease

Go to dashboard
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Simple pricing, no hidden charges

0.20 - 0.30%

Settle pending customer payments within 10 seconds even during bank holidays.

0.15 - 0.20%

Get your payments settled on the same working day automatically.

? 0.00

One-Time Setup Fee

? 0.00

Annual Maintenance Fee

Convenient Repayment Options

Instant Settlements is available to Razorpay users at a nominal pricing. Pricing is shown before using without any hidden charges and reports of payouts are available on the dashboard easily.

Custom Settlements

A custom solution exclusively curated for you to give your business the edge. You can instantly settle every transaction when it happens or do it according to your own rules with easy integration. Schedule your crons as you want.
Increase the speed of your customer journey
Settle payments even on bank holidays and other critical times automatically
Develop competitive advantage with something new
API Documentation
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Offer a payments experience
people love to talk about

Frequently Asked Questions

FAQs

What is the difference between Same-Day and On-Demand Settlements?
What is the difference between Same-Day and On-Demand Settlements?

Razorpay gives you the flexibility to pick and choose how you want your Instant Settlements, based on your business needs.

ON-DEMAND SETTLEMENTS
Choose when you want your customer payment to transfer into your bank account. Settle with 10 seconds the needed amount from the settlement balance.

SAME-DAY SETTLEMENTS
For businesses that value consistent cash flow with no delays between sales and cashin hand, Razorpay will automatically settle all your payments at specific hours of the day.

What is the settlement schedule for Same-day Settlements?
What is the settlement schedule for Same-day Settlements?

1. Transactions successfully completed between 9:00AM to 4:59PM (same day) shall be settled to the Merchant bank account at 5:00PM on the same bank working day.

2. Transactions successfully completed between 5:00PM to 8:59AM (next day) shall be settled to the Merchant bank account at 9:00AM on the same bank working day.

Are there any limits to Instant Settlements or Same-day Settlements?
Are there any limits to Instant Settlements or Same-day Settlements?

Both Instant Settlements and Same-Day Settlements are available from Day 1 for most businesses with a few exceptions and limits. You will be able to settle unlimited amounts through both Instant Settlements and Same- Day Settlements if you satisfy the requirements og quality transactions for the first 50 days.

Where are Instant Settlements additional charges deducted from?
Where are Instant Settlements additional charges deducted from?

The charges will be deducted from the settlement amount itself unless you have free credits. You will get an option to see the pricing breakdown before you confirm On-Demand Settlement.

For Same-day Settlements, since all your payments will be settled on the same day the additional pricing will be charged on your payment gateway fee. You can confirm the pricing before you enable it from the dashboard.

Is there an opt-out option for Same-day Settlements i.e. can I switch back to my standard settlement schedule?
Is there an opt-out option for Same-day Settlements i.e. can I switch back to my standard settlement schedule?

Yes, you can switch back to your old settlement schedule by raising a support ticket here.

As a merchant, where and how do I find if a payment was settled early?
As a merchant, where and how do I find if a payment was settled early?

Same-day settlements are the same as normal settlements except that it’s settled at T+0. So you can find the settlements in the settlement report and combined report on the dashboard.

On-Demand Instant settlements are non-recurring payouts from your settlement balance, so such settlements will appear as payouts in settlement reports and combined reports.

What is the difference between Same-Day and On-Demand Settlements?

Razorpay gives you the flexibility to pick and choose how you want your Instant Settlements, based on your business needs.

ON-DEMAND SETTLEMENTS
Choose when you want your customer payment to transfer into your bank account. Settle with 10 seconds the needed amount from the settlement balance.

SAME-DAY SETTLEMENTS
For businesses that value consistent cash flow with no delays between sales and cashin hand, Razorpay will automatically settle all your payments at specific hours of the day.

What is the settlement schedule for Same-day Settlements?

1. Transactions successfully completed between 9:00AM to 4:59PM (same day) shall be settled to the Merchant bank account at 5:00PM on the same bank working day.

2. Transactions successfully completed between 5:00PM to 8:59AM (next day) shall be settled to the Merchant bank account at 9:00AM on the same bank working day.

Are there any limits to Instant Settlements or Same-day Settlements?

Both Instant Settlements and Same-Day Settlements are available from Day 1 for most businesses with a few exceptions and limits. You will be able to settle unlimited amounts through both Instant Settlements and Same- Day Settlements if you satisfy the requirements og quality transactions for the first 50 days.

Where are Instant Settlements additional charges deducted from?

The charges will be deducted from the settlement amount itself unless you have free credits. You will get an option to see the pricing breakdown before you confirm On-Demand Settlement.

For Same-day Settlements, since all your payments will be settled on the same day the additional pricing will be charged on your payment gateway fee. You can confirm the pricing before you enable it from the dashboard.

Is there an opt-out option for Same-day Settlements i.e. can I switch back to my standard settlement schedule?

Yes, you can switch back to your old settlement schedule by raising a support ticket here.

As a merchant, where and how do I find if a payment was settled early?

Same-day settlements are the same as normal settlements except that it’s settled at T+0. So you can find the settlements in the settlement report and combined report on the dashboard.

On-Demand Instant settlements are non-recurring payouts from your settlement balance, so such settlements will appear as payouts in settlement reports and combined reports.

Fuel your growth with Razorpay Capital

With Lending and Instant Settlements, prepare better for your growth and working capital requirements.

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