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RazorPay is a leading payment gateway in India, supporting credit/debit cards, net banking, UPI (Unified Payments Interface), wallets, and more. Razorpay is for standard payments, which are non-recurring.
A webhook must be configured between RayzorPay and Upmind for payment callbacks to be received and orders to be completed automatically.

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Getting RazorPay API credentials

  1. Log in to your RazorPay account.
  2. Go to Accounts & Settings > Settings > API Key and click Regenerate Key to obtain your Key ID and Key Secret.
Key ID and Key Secret

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Adding RazorPay in Upmind

  1. Go to Settings > Payment Providers in your admin area.
  2. Click Add Payment Provider and select RazorPay.
Select payment provider

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Configuring details

  1. Enter a display name. We suggest RazorPay.
  2. Select the appropriate Test Mode option.
  3. Enter your Key ID and Key Secret.
  4. Click Test Credentials to verify.
  5. (Optional) Add supported currencies.
  6. (Optional) Enter payment instructions for your customers.
  7. Click Create.
Add details

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Editing the payment method

To update, go to Settings > Payment Providers, click the three dots next to RazorPay, and select Edit.

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Configure RazorPay webhook

You must configure the RazorPay webhook so Upmind always receives transaction updates.
  1. Log in to your RazorPay dashboard.
RazorPay login
  1. Go to Account & Settings.
Account & settings
  1. Click Webhooks under Website and app settings.
Website and app settings > Webhooks
  1. Click + Add New Webhook.
Add New Webhook
  1. Enter the public HTTPS URL of your endpoint.
The webhook URL needs to be taken from the Upmind provider set up.
Webhook URL from Upmind
  1. Add a Secret for security on the webhook endpoint. (Optional)
  2. In the Alert Email field, enter the address to receive webhook failure notifications, such as errors or deactivations.
  3. Select the desired Events from the list.
Fill in the details
  1. Click Create Webhook.
For more information, you can check out this guide from RazorPay.

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How to Enable EMI payments on Razorpay

The EMI function is not enabled by default on Razorpay accounts. You need to raise a request through the Razorpay Dashboard for activation. The following EMI types are available:
  • Credit Card EMI
  • Debit Card EMI
  • No Cost EMI
  • Low Cost EMI
  • Cardless EMI
Instant refunds are not supported on EMI transactions, so make sure your refund policies reflect this before going live.

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Requesting EMI for your account

  1. Log in to your Razorpay Dashboard in Live mode (this setting is only available in Live mode).
  2. Go to Account & Settings > Payment Methods.
  3. Click Payment Methods, then select EMI as the payment method type.
Account & Settings > Payment Methods
  1. Find the EMI option you want to enable and click Request.
  2. Review the activation timeline shown in the confirmation box, then click Confirm.
Once approved, you can verify which EMI options are active by returning to Account & Settings > Payment Methods in your Razorpay Dashboard. For a full breakdown of supported banks, interest rates, and EMI types, refer to the Razorpay EMI documentation.