> ## 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.

# Setup and Configuration

> can use the Route integration to automatically split payments.

Eliminate manual calculations and reduce operational overhead with faster vendor payouts. This solution requires a new integration and the use of additional APIs for transfer creation.

## Primary Eligibility Criteria

### VAS Partners under Banking Organisations

* Businesses acquired by banking partners (such as HDFC Bank).
* Currently using Razorpay's payment stack through banking partnerships.
* Part of programs like HDFC Collect Now or similar banking initiatives.

## Setup and Configuration

One of the key advantages of   is the minimal setup required:

* **New API for Transfer Creation**: A new API is used to create transfers.
* **No Code Changes (for existing Route users)**: If you already have a Route implementation, it will work seamlessly with Direct Settlement transactions.

**Things that will remain the same for existing Route users:**

* **API endpoints and request/response formats**: If you are already using Razorpay Route, you will continue to use the same API endpoints and formats.
* **Webhook configurations and event handling**: Your existing webhook configurations and event handling processes will remain unchanged.
* **Dashboard interface and reporting**: The dashboard interface and reporting will be familiar.
* **Transfer creation and management processes**:

<Warning>
  **Watch Out!**

  No technical setup is required from businesses. This feature must be enabled by your banking partner or [Razorpay support team](https://razorpay.com/support/) through appropriate feature flags.
</Warning>

## Use Current Setup

Businesses who have already integrated with Razorpay Route can continue with their existing setup and patterns.

### API Compatibility

All existing Route APIs work with DS transactions:

* [`POST /payments/{id}/transfers`](https://razorpay.com/docs/api/payments/route/create-transfers-payments)
* [`GET /payments/{id}/transfers`](https://razorpay.com/docs/api/payments/route/fetch-transfers-payment)
* [`GET /transfers/{id}`](https://razorpay.com/docs/api/payments/route/fetch-a-transfer)

## Linked Account Setup

### Onboarding Process

Banking partners manage the linked account setup similar to parent business onboarding:

### Information Collection

* Account holder details (Name, email and phone).
* Business information (Registration type, PAN and GST).
* Settlement details (Beneficiary name, account number and IFSC).

### Bulk Processing

* Bank provides linked account details via operations process.
* Accounts onboarded through bulk CSV upload.
* Validation through batch processing system.

### Account Validation

* Verify batch processing status.
* Confirm accounts appear in Razorpay dashboard.
* Test transfer creation capabilities.

<Info>
  **Handy Tips**

  For technical support during migration or troubleshooting:

  * Contact your banking partner for Account-related issues.
  * Reach out to   for API and technical problems.
  * Use your designated account manager for strategic guidance.
</Info>