Accept UPI, net banking, cards, and wallets from Indian riders. RazorpayX for instant driver payouts, UPI AutoPay mandates for subscription rides, RBI-compliant tokenization, and comprehensive dashboard analytics for India operations.
India's digital payment landscape is unique: UPI processes over 10 billion transactions monthly, making it the dominant payment method for daily transactions including ride-hailing. Razorpay is India's leading payment gateway, processing payments for Swiggy, Cred, and thousands of other platforms. Our integration makes Razorpay the cornerstone of your India operations.
The integration covers Razorpay Standard Checkout for rider payments (UPI, cards, net banking, wallets), RazorpayX for batch driver payouts to bank accounts and UPI IDs, UPI AutoPay for recurring subscription rides, and Razorpay Payment Links for invoice-based corporate billing. Every transaction complies with RBI's card-on-file tokenization guidelines and two-factor authentication requirements.
For taxi operators targeting India, Razorpay is not optional. Over 70% of digital transactions in India happen through UPI, and riders expect to pay with their preferred UPI app (Google Pay, PhonePe, Paytm) natively within your taxi app. Razorpay's UPI integration handles the intent flow, collect flow, and QR code flow seamlessly.
The integration uses Razorpay Orders API with UPI as the preferred payment method. When a rider confirms a ride, the system creates a Razorpay order and presents the checkout with UPI pre-selected. The rider authenticates via their UPI app, and payment is captured upon ride completion.
// Create Razorpay order for ride payment
const order = await razorpay.orders.create({
amount: 35000, // INR 350.00 (amount in paise)
currency: 'INR',
receipt: `ride_${rideId}`,
notes: {
ride_id: rideId,
rider_phone: '+919876543210',
vehicle_type: 'auto'
}
});
// RazorpayX payout to driver's bank account
const payout = await razorpayx.payouts.create({
account_number: process.env.RAZORPAYX_ACCOUNT,
fund_account_id: driver.razorpay_fund_account_id,
amount: 28000, // INR 280.00 (driver's share)
currency: 'INR',
mode: 'UPI', // or 'IMPS', 'NEFT', 'RTGS'
purpose: 'payout',
queue_if_low_balance: true
});Riders tap "Pay with UPI" and their default UPI app (Google Pay, PhonePe, Paytm) opens directly for authentication. No manual VPA entry required. Completes in 2-3 seconds with a 95%+ success rate.
Transfer driver earnings instantly via UPI, IMPS, NEFT, or RTGS. RazorpayX supports payouts to bank accounts and UPI IDs. Process 10,000+ payouts in a single batch with real-time status tracking.
Corporate riders set up UPI AutoPay mandates for recurring rides. Monthly billing is debited automatically without re-authorization, reducing payment friction for daily commuters and corporate accounts.
Saved card payments use Razorpay's RBI-compliant tokenization. Card numbers are replaced with tokens, and riders re-authenticate with CVV and OTP for each transaction as required by RBI guidelines.
Razorpay Dashboard provides real-time transaction analytics: success rates by payment method, average ticket size, refund ratios, and settlement schedules. Data syncs to your admin panel for unified reporting.
Generate Razorpay Payment Links for corporate invoice settlement. Finance teams pay via any method without integrating with your API. Links include ride details, GST breakdown, and support multi-ride invoices.
India's Reserve Bank regulates digital payments with specific requirements for card storage, recurring payments, and transaction authentication that Razorpay handles natively.
RBI mandates that merchants cannot store raw card data. Razorpay provides compliant tokenization where cards are stored as network tokens. Riders authenticate with CVV + OTP for each card payment.
RBI compliantAll card transactions require two-factor authentication (3D Secure OTP). Razorpay handles the OTP flow within the checkout, maintaining a seamless rider experience while meeting RBI requirements.
Mandatory 2FARazorpay generates GST-compliant invoices for every transaction. Your platform's GST number is included in payment receipts, and tax breakdowns (CGST, SGST, IGST) are calculated automatically.
Auto GSTRazorpay settles funds to your bank account on T+2 for standard plans and T+1 for premium plans. UPI payments settle faster. Configure automatic settlements or manual withdrawal through the dashboard.
T+1 availableRazorpayX handles TDS (Tax Deducted at Source) on driver payouts where applicable. PAN verification is integrated into driver onboarding, and Form 26AS data is available for tax filing season.
Auto TDSRazorpay provides a dispute management dashboard compliant with RBI's chargeback framework. Respond to disputes with ride evidence within the mandated timeframe, with automated evidence packaging.
RBI frameworkOver 70% of Indian digital payments happen via UPI. Without UPI support, you lose the majority of potential riders. Razorpay provides the most reliable UPI integration with 95%+ success rates.
Razorpay charges 2% per transaction (compared to 2.9% for international gateways). UPI transactions are even cheaper. For high-volume India operations, this fee difference represents significant savings.
RazorpayX IMPS payouts reach driver bank accounts within seconds, 24/7 including holidays. Drivers do not wait for the next business day. Instant access to earnings increases driver retention by 20%.
Razorpay handles RBI tokenization rules, 2FA requirements, UPI mandate guidelines, and TDS compliance. Launch in India without hiring a payments compliance team.
Razorpay provides Indian business hours support, local account managers for high-volume merchants, and documentation in the context of Indian banking systems and regulations.
Beyond UPI, Razorpay supports 58 banks for net banking, Visa/Mastercard/RuPay/Amex cards, and wallets like Paytm, Mobikwik, and FreeCharge. Every Indian rider finds their preferred payment method.
Razorpay charges 2% per domestic transaction. UPI transactions may have lower rates based on volume. RazorpayX payouts cost INR 5-10 per IMPS transfer and INR 2-5 per UPI transfer. High-volume platforms processing over INR 50 lakh/month can negotiate custom rates. There are no setup fees or monthly minimums.
IMPS payouts arrive in the driver's bank account within 30 seconds, 24/7 including weekends and bank holidays. UPI payouts are equally fast. NEFT payouts settle during banking hours in batches. The admin panel can be configured for daily automatic batch payouts or on-demand driver-initiated withdrawals.
Razorpay is primarily designed for Indian businesses accepting INR payments. For international operations, we recommend Stripe or PayPal. The platform supports running Razorpay for India and Stripe for other markets simultaneously, with automatic gateway selection based on the rider's country.
Corporate riders authorize a UPI mandate with a maximum per-transaction amount (e.g., INR 5,000). After authorization, ride fares are debited automatically from their UPI-linked bank account without requiring approval for each ride. The mandate can be set for daily, weekly, or monthly frequency, and riders can revoke it anytime through their UPI app.
UPI payments can fail due to insufficient funds, UPI app timeouts, or bank server issues. The platform automatically retries the payment once. If the retry fails, the rider is prompted to pay using an alternative method (card, net banking, wallet). Failed UPI transactions where money was debited but not credited are automatically refunded by the banking system within 24-48 hours.
UPI payments, instant driver payouts, RBI compliance, and 100+ payment methods. The complete payment infrastructure for Indian ride-hailing operations.