Razorpay Payment Links

What it does

With Razorpay Payment Links, businesses send hosted payment URLs to customers via SMS, email or WhatsApp. This supports payment collection without requiring a custom checkout site.

Payment may be requested upfront, in installments or as an advance. Razorpay says the links work with 180+ payment methods and nearly 100 major currencies, converting currencies automatically in real time.

Fees and plans

Razorpay lists Payment Links as paid, with pricing from 2, and no free plan. A free trial is available.

For the first 90 days, the Payment Links plan carries a zero platform fee, subject to terms. Once that period ends, successful payments are charged 2% plus GST.

Razorpay also lists a standard platform fee of 2.15% plus GST per transaction for Payment Links, Payment Pages, Payment Buttons and Invoices. The facts do not explain when this standard fee applies instead of the Payment Links promotion.

Where it runs

The listed platforms are Android, iOS, web and API. The official workflow uses the Razorpay dashboard or APIs.

Available tooling includes web, Android and iOS SDKs, server integrations for PHP, Ruby, Python, .NET, Node.js, Java and Go, plus plugins or documentation for commerce platforms including Shopify, WooCommerce, WordPress, Magento, OpenCart, PrestaShop, Wix and WHMCS.

The documentation does not describe self-hosting or downloadable Payment Links software.

Protection, as published

Razorpay's trust portal lists PCI DSS v4.0 certifications for Razorpay Software, Razorpay Software Services and other group entities. It also lists ISO certifications and SOC 3 for Razorpay Software.

For international links, Razorpay describes address verification that compares the billing street and postal code with issuer records.

The facts do not state a licence, regulator, deposit protection, two-factor sign-in or dispute-handling policy. Razorpay provides a Payments ticket option and links to a knowledge base; its Android listing also names in-app support, email and live chat.

Strengths

Merchants can distribute links through messaging and email while using Razorpay-hosted checkout pages.

The dashboard allows payment-page branding, bulk generation from CSV or XLSX files, due dates and automated SMS reminders for unpaid amounts.

Instant transaction notices are available through webhooks. APIs support link creation, partial payments, updates and cancellations, and can create links when an external order is opened.

Catches

The zero-fee period lasts 90 days and has terms. The listed post-promotion charge is 2% plus GST on successful payments; the separate standard fee is 2.15% plus GST per transaction.

Currency support is described as nearly 100 major currencies, not every currency. Payment-page customization is basic in the supplied facts.

Dashboard-created links expire after their due dates. The facts do not give transaction limits, minimums, supported countries or details of any payment holds.

Who should skip it

It may not fit a business needing self-hosted software, since the documented workflow uses Razorpay's dashboard or APIs and does not describe self-hosting.

It may also be a poor match where the published fee structure, country coverage or currency list does not meet requirements.

Verdict

Razorpay Payment Links suits merchants, schools, e-commerce businesses and other companies that want hosted payment URLs, many payment methods and automated collection tools. Its API, webhooks, bulk upload and commerce plugins cover both manual sharing and connected workflows.

The main points to settle are the 90-day fee promotion, the later 2% plus GST charge, the separate 2.15% standard fee listing, and whether the available countries, currencies and basic page customization meet the business's needs.

Questions