Account Settings The Account Settings section is used to manage merchant profile information, configure payment methods, integrate APIs, manage business…
Operator's note
Most razorpayarticles you find online are written for a US merchant on Stripe. This one is written for an Indian D2C team — where COD still drives 50–70% of orders, UPI Intent settles in seconds, RTO eats margin in Tier 2/3 lanes, and Diwali pulls a quarter's revenue into a two-week window. If a step below references a payment gateway choice, the answer isn't universal: we pick by vendor response rate, not affiliation. Razorpay, PhonePe, Easebuzz and Cashfree Payments are listed alphabetically in our docs because the right one depends on your AOV, your COD ratio, and how fast the gateway's support team replies on a Sunday at 11pm.
The Account & Settings section is used to manage merchant profile information, configure payment methods, integrate APIs, manage business details, settlements, notifications, and customize checkout behavior.
This section is critical for initial account setup, technical integration, compliance, and operational control.
You can access it from the left sidebar:
Account & Settings
This section displays the primary account holder’s personal and login information.
Includes:
Profile Name & Role – Name of the account owner and access level.
Merchant ID – Unique identifier assigned to the merchant account.
Phone Number – Registered mobile number (editable).
Login Email – Email ID used for dashboard login (editable).
Password – Option to change the login password.
2-Step Verification – Enable or manage two-factor authentication for account security.
Purpose:
Manage login credentials and secure the account.
Verify merchant identity details.
Used to enable, disable, and configure different payment options offered to customers.
Available options:
Cards – Enable/disable debit and credit card payments.
UPI / QR – Configure UPI collect, intent flows, and QR payments.
Netbanking – Enable bank-wise netbanking options.
EMI – Configure card and no-cost EMI options.
Wallet – Enable popular digital wallets.
Pay Later – Activate buy-now-pay-later services.
International Payments – Enable international card acceptance and forex settings.
Purpose:
Control which payment modes are visible on checkout.
Configure regional and international payment acceptance.
Used for technical integration and application configuration.
Includes:
Business Website Detail – Add or update the business website URL and domain.
API Keys – Generate and manage Live / Test API keys for integration.
Webhooks – Configure webhook URLs for real-time payment event notifications.
Applications – Manage connected applications and integrations.
Purpose:
Required for integrating Razorpay with websites, mobile apps, and backend systems.
Manage secure communication between Razorpay and merchant systems.
Used to manage business profile, compliance, branding, and team access.
Includes:
Account Details – Bank account holder and payout information.
Business Details – Legal business name, address, and registration info.
GST Details – GST number and tax configuration for invoices and settlements.
Customer Support Details – Support email and phone shown on invoices and checkout.
Activation Details – KYC and account activation status.
Manage Team – Add team members and assign roles and permissions.
Support Tickets – Raise and track Razorpay support requests.
Brand Name and Logo – Configure brand display on checkout and payment pages.
Purpose:
Maintain legal compliance and branding.
Manage team access and operational support.
Used to configure financial controls related to transactions and refunds.
Includes:
Balances – View current account balance and pending settlements.
Credits – Manage promotional or adjustment credits.
Reminders – Configure automated payment reminders.
Transaction Limits – Set minimum and maximum transaction amount limits.
Capture and Refund Settings – Configure auto-capture rules and refund behavior.
Purpose:
Control transaction processing rules.
Manage refunds, limits, and automated reminders.
Used to manage payout bank accounts and settlement configurations.
Includes:
Bank Account Details – Add or update settlement bank account information.
Settlement Details – Configure settlement cycle, frequency, and settlement rules.
Purpose:
Ensure correct bank account is linked for payouts.
Control settlement schedules and payout behavior.
Used to configure alerts and customer communication channels.
Includes:
Email Notifications – Configure transactional and settlement email alerts.
SMS Notifications – Enable SMS alerts for payments and refunds.
WhatsApp Notifications – Configure WhatsApp payment and reminder messages.
Purpose:
Keep merchants and customers informed about payment status and settlements.
Automate customer communication.
Used to customize checkout experience and payment flow.
Includes:
Checkout Styling – Customize theme, colors, and branding of Razorpay checkout.
Checkout Features – Enable advanced checkout options like OTP login, address collection, etc.
Payment Configuration – Configure default payment behavior and flow rules.
Purpose:
Improve checkout UI and user experience.
Optimize conversion rates and payment success.
This module is mainly used for:
Initial Razorpay account configuration
Enabling and managing payment method
API and webhook integration
Business compliance and KYC management
Settlement bank account setup
Notification and reminder automation
Checkout branding and optimization
Team access and security management
Common follow-ups
WhatsApp the support team at the link below. We reply within the hour during business hours (Mon–Fri 09:00–18:00 IST). If it's a payment-gateway or shipping issue mid-order, flag it as urgent and we move it to the top of the queue — a stuck checkout is a revenue leak, not a support ticket.
Generic Shopify docs are excellent for the global merchant. Indian ecommerce runs on different rails — UPI, COD, Shiprocket, GST invoicing, RTO mitigation by pincode — and most of that isn't in the official help centre. Our Knowledge Base is the SOP layer we wrote for our own ops team running 200+ stores; the razorpay section is the part of that catalogue most relevant when you're working on what this article covers.
When the underlying tool changes — a Shopify checkout extension schema update, a payment-gateway API revision, a Shiprocket dashboard redesign, a COD app deprecation — the article changes that week, not the next quarter. If you spot something that no longer matches your screen, message us; the article gets re-recorded against the live admin within a day or two.
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Mon–Fri 09:00–18:00 IST
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