Configuring 0% Commission Razorpay UPI & Cards on BuyOnLink
How to create a Razorpay merchant account, generate live API keys, test webhooks, and ensure customer money deposits straight into your current or savings account.
Key Executive Takeaways
- 1Individual seller vs Business entity KYC documents needed for Razorpay
- 2Enabling instant settlement for fast reinvestment in product inventory
- 3Setting up refund workflows directly from your BuyOnLink dashboard
Founder Action Checklist
Tap steps as you complete them in your store setup.
1. Why Direct Merchant Gateway Beats Shared Aggregators
When you use marketplaces, payouts are delayed 14 to 30 days. With BuyOnLink + Razorpay, the customer payment settles straight into your linked bank account on standard T+1 or T+2 cycles, giving you immediate working capital.
2. Generating Live API Keys
In Razorpay, switch from 'Test Mode' to 'Live Mode'. Navigate to Settings > API Keys. Click 'Generate Key'. Copy the Key ID and Key Secret immediately, as Razorpay will not display the secret key a second time.
3. Mandatory Compliance Links for Razorpay Approval
Razorpay requires all merchants to publish active compliance policies on their storefront before turning on card payments. BuyOnLink automatically includes pre-built templates for Terms of Service, Privacy Policy, Shipping Policy, and Cancellation Policy.
Ensure your Shipping and Cancellation policies are visible in your footer before submitting your KYC application to Razorpay.
Ready to Put This Playbook into Practice?
Launch your branded online store on BuyOnLink in 10 minutes. Instant 1-tap UPI, 0% platform commission, and bespoke themes that make your products shine.
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