If your Manva storefront is up but only on COD, you are losing the buyers who want to pay upfront and never want to talk to a delivery agent. Connecting Razorpay turns on UPI, cards, net banking and EMI in under 10 minutes. Here is how.
Why Razorpay specifically
Razorpay is the standard for Indian online businesses for three reasons:
- It accepts every Indian payment method buyers actually use — UPI is now over 70% of online payments
- Pricing is transparent (around 2% per transaction, no monthly fee)
- The dashboard, KYC and settlement flow are built for Indian businesses, not adapted from a global product
Manva integrates with Razorpay natively. You do not need a developer.
Step 1: Create your Razorpay account
If you do not have one already:
- Go to razorpay.com and sign up with your business email
- Complete KYC — PAN, business proof, bank account details
- Wait for approval (usually under 48 hours; same day if all docs are clean)
KYC matters: in test mode you can collect mock payments, but real money only flows once you are KYC-approved.
Step 2: Get your API keys
Once approved, log in to the Razorpay dashboard:
- Switch to Live mode (top-right toggle)
- Open Settings → API Keys
- Click Generate Live Key
- Copy both the Key ID and the Key Secret — Razorpay only shows the secret once, so save it
Treat the Key Secret like a password. Never paste it into a chat, never share it over email, and never check it into a public document. Manva stores it encrypted on our side.
Step 3: Paste the keys into Manva
From the Manva dashboard:
- Open Website → Store settings → Payments
- Find the Razorpay section
- Paste the Key ID and Key Secret
- Click Save and verify
Manva runs a quick handshake with Razorpay and confirms the keys are valid. If verification fails, the most common reason is using test-mode keys instead of live-mode keys.
Step 4: Pick which payment methods to accept
In your Razorpay dashboard, open Payments → Payment Methods. By default, UPI, cards and net banking are on. EMI and BNPL are opt-in — turn them on if your products are above ₹3,000 (most EMI platforms have a minimum order value).
Manva's checkout shows whatever methods you have enabled in Razorpay. There is no separate setting on the Manva side.
Step 5: Test the full checkout
Before announcing the change, test the flow yourself:
- Open your store in incognito
- Add a product to cart
- At checkout, switch to Online payment
- Use Razorpay's test card (4111 1111 1111 1111, any future expiry, any CVV) or pay yourself ₹10 with UPI
- Confirm the success page loads
- Check the order in Website → Orders — status should be Paid
- Check the payment in your Razorpay dashboard — status should be Captured
If any step fails, the diagnose button under Store settings → Payments runs the same checks and tells you what is missing.
Step 6: Set up settlements
By default Razorpay settles to your bank account on T+2 (the day after tomorrow). If you need faster settlement:
- Instant settlement — settle to your account in 2–3 hours, for a small fee per transaction. Useful if you have cash-flow needs.
- T+1 settlement — sometimes available for established accounts. Ask your Razorpay relationship manager.
Settlement settings live entirely inside Razorpay; Manva does not touch your bank account.
Refunds
When a customer asks for a refund:
- Open the order in Manva → click Refund
- Enter the amount (full or partial)
- Confirm
Manva calls Razorpay's refund API. The refund typically lands in the customer's account in 3–7 working days, with a tracking ID you can share with them. The refund also shows up in your Razorpay dashboard for accounting.
Common issues and fixes
"Invalid key" error after saving — You pasted test keys instead of live keys, or there is a stray space in the secret. Re-copy from Razorpay carefully.
Customers complete payment but order shows as Pending — Webhook delivery failed. Open Razorpay → Settings → Webhooks and confirm the Manva webhook URL is listed and active. Manva's diagnose tool re-syncs orders.
UPI not showing at checkout — Razorpay's UPI offering needs to be enabled at your end. Check Razorpay dashboard → Payments → Payment Methods → UPI.
Frequently asked questions
What does Razorpay charge? Around 2% per transaction for UPI, cards and net banking; slightly higher for international cards and EMI. There are no monthly or setup fees. Check the Razorpay pricing page for current rates.
Can I keep COD on as well? Yes. Customers see both options at checkout. Most Indian buyers still prefer COD for first-time purchases — turn on OTP-verified COD to control RTO.
What about international customers? Razorpay supports international cards. The store is INR-only on the customer side; Razorpay handles currency conversion at checkout.
Do I need to handle GST on Razorpay fees? Yes — the 18% GST on Razorpay fees is invoiced separately and is GST-input-credit eligible. Your accountant can claim it back.
Online payments are the single biggest conversion lever for an Indian e-commerce store. The setup is one-time, takes under 10 minutes, and pays for itself the first day a customer skips COD because they could pay UPI.