Razorpay Route

What Razorpay Route is

Razorpay Route splits incoming payments among multiple sellers, service providers, or bank accounts. It is designed for businesses making one-to-many disbursements, including marketplaces that need to divide each customer payment among sellers and decide the amount, recipient, and settlement timing. Businesses can onboard vendors, sellers, and service providers as linked accounts without physical paperwork, then create multiple transfers from a payment or reverse transfers through APIs. Settlement controls let teams schedule transfers, defer them, or hold them until business conditions are met. API-driven reconciliation and reporting cover transactions, transfers, and settlements. Payments collected through Subscriptions, Payment Links, Invoices, and Smart Collect can also be split through Route. Webhooks can notify users about transfer creation and reversal, using separate test and live mode URLs. Razorpay says the service is built for 100,000+ sellers and millions of transactions, with Amazon AWS hosting and auto-scaling systems. It is available in India and Malaysia, with Standard Checkout and Custom Checkout support on web, Android, iOS, and Webview. Access requires domestic turnover above ₹40 Lakhs or export turnover above ₹5 Lakhs in FY26 or FY25, plus payer-payee transparency information.

Who it suits

Razorpay Route suits marketplaces and businesses that need to distribute a single payment among multiple sellers or other linked payees. It is also relevant to teams needing scheduled or conditional transfers, payment reconciliation, and reporting through APIs.

Limits

The Standard Plan is priced at $0.10, paid once, billed as 0.1% on every successful transfer as addon pricing; Standard Payment Gateway pricing also applies to the underlying payment, and GST is applicable. Access requires domestic turnover above ₹40 Lakhs or export turnover above ₹5 Lakhs in FY26 or FY25, plus payer-payee transparency information.

Getting started

1. Visit the Razorpay Route website.
2. Check the turnover eligibility and payer-payee transparency requirements.
3. Choose the Standard Plan or contact Razorpay about the Customized Plan.
4. Use Route through supported web, Android, iOS, or Webview checkout.

Verdict

Choose Razorpay Route if your business needs to divide payments among linked sellers and control when each transfer settles. Its eligibility threshold and paid transfer pricing may make it unsuitable for businesses that do not meet the stated turnover requirements or do not need payment splitting.