How to Pay via UPI / Net Banking / Credit Card

This guide provides detailed, step-by-step instructions for each payment method available through {{COMPANY_NAME}}'s Razorpay checkout.

Before You Begin

1. Log in to your Client Portal at {{SUPPORT_URL}}/client
2. Go to Invoices and click on the unpaid invoice
3. Click Pay Now to open the Razorpay checkout modal

Paying via UPI

UPI (Unified Payments Interface) is the fastest and most popular payment method in India.

Option A: UPI ID / VPA

1. Select UPI in the Razorpay checkout
2. Enter your UPI ID (e.g., yourname@upi, yourname@oksbi, yourname@paytm)
3. Click Pay
4. Open your UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.)
5. You will see a payment request — verify the amount and merchant name
6. Enter your UPI PIN to authorize the payment
7. Wait for the confirmation on both your UPI app and the checkout page

Option B: QR Code

1. Select UPI in the Razorpay checkout
2. Click Show QR Code
3. Open any UPI app on your phone
4. Scan the QR code displayed on screen
5. Verify the amount and authorize with your UPI PIN
6. Wait for confirmation

Tip: UPI payments are confirmed instantly in most cases. If the payment request expires (after 5 minutes), click Pay Now again to generate a new request.

Option C: Google Pay / PhonePe Button

If available, you may see dedicated buttons for Google Pay or PhonePe:

1. Click the Google Pay or PhonePe button
2. You will be redirected to the respective app or prompted to approve
3. Authorize the payment
4. You will be redirected back after confirmation

Paying via Net Banking

1. Select Net Banking in the Razorpay checkout
2. Choose your bank from the list of popular banks, or search for your bank
3. Click Pay
4. You will be redirected to your bank's secure online banking portal
5. Log in with your net banking credentials
6. Review the transaction details (amount, merchant)
7. Authorize the transaction (may require OTP sent to your registered mobile)
8. After authorization, you will be redirected back to {{COMPANY_NAME}}
9. Wait for the confirmation message

Tip: Make sure your net banking is activated with your bank. If you have not set up net banking, contact your bank or visit a branch to activate it.

Paying via Credit Card

1. Select Card in the Razorpay checkout
2. Enter your credit card details:

- Card Number — 16-digit number on the front of your card

- Expiry Date — Month/Year as shown on your card

- CVV — 3-digit code on the back of your card (4 digits for Amex)

- Name on Card — Exactly as printed on your card

1. Click Pay
2. You may be redirected to your bank's 3D Secure page for additional verification
3. Enter the OTP sent to your registered mobile number
4. After verification, the payment will be processed
5. Wait for confirmation

Supported Credit Cards:

• Visa
• Mastercard
• American Express
• RuPay

Paying via Debit Card

The process is identical to credit card payments:

1. Select Card in the Razorpay checkout
2. Enter your debit card details
3. Complete 3D Secure verification with OTP
4. Wait for confirmation

Tip: Ensure your debit card has sufficient balance and that online transactions are enabled. Some banks require you to enable online/e-commerce transactions separately through your mobile banking app.

After Successful Payment

Regardless of the payment method used:

1. The Razorpay checkout will display Payment Successful
2. Your invoice status will update to Paid
3. A Tax Invoice (INV-) will be generated
4. Confirmation email will be sent to your registered email
5. Services will be activated/renewed automatically

Troubleshooting

• UPI request not received? Ensure your UPI app is updated and your UPI ID is correct. Try scanning the QR code instead.
• Net banking page not loading? Your bank's server may be temporarily unavailable. Try again in a few minutes or use a different payment method.
• Card declined? Check that your card details are correct, your card is enabled for online transactions, and you have sufficient credit/balance. Contact your bank if the issue persists.
• OTP not received? Wait 60 seconds and click Resend OTP. Ensure your mobile number is updated with your bank.
• Transaction failed but amount deducted? Do not retry. The amount will be auto-refunded by Razorpay within 5-7 business days. Contact support if you need urgent assistance.

Related Articles

• How to Pay an Invoice via Razorpay
• What to Do If Payment Shows Pending
• Understanding Your Invoice (PI vs INV)

Need help? Contact our support team at {{SUPPORT_URL}}/client/support.