> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet Auto-Debit

> Wallet Auto-Debit streamlines the payment process and significantly boosts success rates, delivering an exceptional payment experience to your customers. The customers can complete wallet transactions with unparalleled speed and simplicity.

<Warning>
  **Watch Out!**

  Razorpay supports wallet auto-debit only for **Paytm**.
</Warning>

## Prerequisites

<Steps>
  <Step title="Step 1">
    You need to have an active Razorpay account with Optimizer enabled.
  </Step>

  <Step title="Step 2">
    You need to have an active Paytm PG account.
  </Step>

  <Step title="Step 3">
    Write to your Razorpay Relationship Manager to enable Wallet Auto-Debit feature on your Optimizer account.
  </Step>

  <Step title="Step 4">
    Write to your Paytm Relationship Manager to enable the Paytm wallet auto debit feature and provide the client key and secret.
  </Step>
</Steps>

<Info>
  **Handy Tips**

  The Paytm auto-debit feature is supported on Razorpay Standard Checkout.
</Info>

## Add Paytm as a Payment Provider

<Steps>
  <Step title="Step 1">
    Log in to your Dashboard.
  </Step>

  <Step title="Step 2">
    Go to the **PAYMENT PRODUCTS** section and click **Optimizer**.
  </Step>

  <Step title="Step 3">
    In the top-right section, click **Add Provider**.
  </Step>

  <Step title="Step 4">
    Select **PayTm** in the list of gateways available and click **Next**.
  </Step>

  <Step title="Step 5">
    Select **Server-to-Server** and click **Next**.
  </Step>

  <Step title="Step 6">
    Enter the provider name and description and click **Next**.
  </Step>

  <Step title="Step 7">
    Enter your **INDUSTRY\_TYPE\_ID**, **KEY**, **MID** (merchant ID) and **WEBSITE** details.
  </Step>

  <Step title="Step 8">
    Enable the **Wallet auto-debit** button, enter your **Client Key and Secret** and click **Submit**.
  </Step>
</Steps>

## Razorpay Wallet Auto-Debit (Customer Flow)

Below is a complete end-to-end flow about how Razorpay Wallet Auto-Debit works:

1. The customer clicks Pay Now on your website and is redirected to the Razorpay Standard Checkout.

2. The customer selects **Wallet** and **Paytm**.

   * If the customer is a first-time user, they will be asked to enter the mobile number and the OTP to link their wallet and complete the payment.

   * If the customer has sufficient balance in their wallet, they can pay directly with a single click.

   * If the customer does not have sufficient balance in their wallet, they will be redirected to a Paytm page where they can add money to their balance and complete the payment.