Account & Settings

Account & Settings

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

🔹 1. Your Profile

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.
  
  

🔹 2. Payment Methods

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.
  
  

🔹 3. Website and App Settings

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.
  
  

🔹 4. Business Settings

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.
  
  

🔹 5. Payments and Refunds

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.
  
  

🔹 6. Bank Accounts and Settlements

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.
  
  

🔹 7. Notification Settings

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.
  
  

🔹 8. Checkout Settings

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.
  
  

🔹 Summary – Usage of Account & Settings

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