Instantly Activate Sub-Merchant Accounts

Features

With this feature:

The sub-merchants can accept payments up to ₹15,000 without KYC completion, using Payment Gateway and/or Payment Links products.
In case of the ₹15,000 transaction volume breach, Razorpay disables payments till the KYC process is completed. There is no change in the product’s status when payments are disabled.
When a sub-merchant completes their KYC, the product status moves to under_review and they can start accepting payments.
Razorpay settles the transaction amount only after successful KYC verification.
You can configure webhook events to receive notifications on transaction volume levels. For example, alerts are sent to the sub-merchants when their transaction volume breaches ₹12,000 and so on.

Workflow

Given below is an illustration of the workflow:

Webhook Events and Payloads

Event Name | Description

account.instant_activation_gmv_limit_warning | Triggered after the sub-merchant’s transaction volume crosses one of these levels: - ₹5000

₹10,000
₹15,000

Sample Payload: Volume Hits ₹10,000

instant_activation_gmv_limit_warning

{
  "entity": "event",
  "account_id": "acc_K7UEVHASFftJfL",
  "event": "account.instant_activation_gmv_limit_warning",
  "contains": [
    "acc_id",
    "gmv_limit",
    "current_gmv",
    "message"
  ],
  "payload": {
    "acc_id": "K7UEVHASFftJfL",
    "gmv_limit": 15000,
    "current_gmv": 10000,
    "message": "You can accept payments upto INR 5000. In order to remove this limit and settle the amount to your account, fill in the remaining details"
  },
  "created_at": 1660911446
}

Sample Payload: Volume Breached ₹15,000

instant_activation_gmv_limit_warning

{
  "entity": "event",
  "account_id": "acc_K7U7hK1PeatxIs",
  "event": "account.instant_activation_gmv_limit_warning",
  "contains": [
    "acc_id",
    "gmv_limit",
    "current_gmv",
    "message"
  ],
  "payload": {
    "acc_id": "K7U7hK1PeatxIs",
    "gmv_limit": 15000,
    "current_gmv": 15200,
    "message": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
  },
  "created_at": 1660937354
}

API Response Code Changes

The sub-merchant can accept payments only up to ₹15,000. When they breach this limit, Razorpay sends a description in the Fetch a Product Configuration API response’s requirement parameter, urging the sub-merchant to submit the remaining details and complete KYC.

API Response

{
  "requested_configuration": [],
  "active_configuration": {
    "payment_capture": {
      "mode": "automatic",
      "refund_speed": "normal",
      "automatic_expiry_period": 7200
    },
    "settlements": {
      "account_number": null,
      "ifsc_code": null,
      "beneficiary_name": null
    },
    "checkout": {
      "theme_color": "#FFFFFF",
      "flash_checkout": true
    },
    "refund": {
      "default_refund_speed": "normal"
    },
    "notifications": {
      "whatsapp": false,
      "sms": false,
      "email": [
        "testcreateaccount4147apr@razorpay.com"
      ]
    }
  },
  "requirements": [
    {
      "field_reference": "business_proof_of_identification.business_pan_url",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/documents",
      "status": "required",
      "reason_code": "document_missing",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    },
    {
      "field_reference": "business_proof_of_identification.business_proof_url",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/documents",
      "status": "required",
      "reason_code": "document_missing",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    },
    {
      "field_reference": "individual_proof_of_address",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/stakeholders/sth_KB88x5dxpYtSdw/documents",
      "status": "required",
      "reason_code": "document_missing",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    },
    {
      "field_reference": "settlements.beneficiary_name",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ",
      "reason_code": "field_missing",
      "status": "required",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    },
    {
      "field_reference": "settlements.account_number",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ",
      "reason_code": "field_missing",
      "status": "required",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    },
    {
      "field_reference": "settlements.ifsc_code",
      "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ",
      "reason_code": "field_missing",
      "status": "required",
      "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account."
    }
  ],
  "tnc": {
    "id": "tnc_KB89LFr5vuo3GQ",
    "accepted": true,
    "accepted_at": 1661706575
  },
  "id": "acc_prd_KB8AggJtFqqQiJ",
  "product_name": "payment_gateway",
  "activation_status": "instantly_activated",
  "account_id": "acc_KB87VG5MDvcIpl",
  "requested_at": 1661706652
}

Overview

New to Razorpay

Existing Merchants

Aggregator Partners

Technology Partners

Service Partners

Commissions

Reference

Instantly Activate Sub-Merchant Accounts

Features

Workflow

Webhook Events and Payloads

Event Name | Description

Sample Payload: Volume Hits ₹10,000

Sample Payload: Volume Breached ₹15,000

API Response Code Changes

​Features

​Workflow

​Webhook Events and Payloads

​Event Name | Description

​Sample Payload: Volume Hits ₹10,000

​Sample Payload: Volume Breached ₹15,000

​API Response Code Changes

Features

Workflow

Webhook Events and Payloads

Event Name | Description

Sample Payload: Volume Hits ₹10,000

Sample Payload: Volume Breached ₹15,000

API Response Code Changes