How to Generate Razorpay Link

Razorpay Link is a powerful, lightweight payment solution designed for businesses of all sizes looking to accept payments quickly and securely without building a full e-commerce checkout flow. Whether you're a freelancer invoicing a client, a small business selling digital products, or a startup collecting donations, generating a Razorpay Link allows you to create a unique, shareable payment URL that customers can use to pay via UPI, cards, wallets, or net banking — all without needing a website or complex integration.

In today’s fast-moving digital economy, the ability to generate payment links on-demand can significantly improve cash flow, reduce administrative overhead, and enhance customer experience. Unlike traditional payment gateways that require API integrations or plugin installations, Razorpay Link operates as a self-service tool — accessible directly from your Razorpay dashboard. This tutorial provides a comprehensive, step-by-step guide on how to generate Razorpay Link, along with best practices, real-world examples, and essential tools to maximize efficiency and security.

Step-by-Step Guide

Generating a Razorpay Link is a straightforward process, but understanding each step ensures accuracy, reduces payment failures, and helps you leverage advanced features. Follow this detailed guide to create your first payment link successfully.

Step 1: Sign Up or Log In to Your Razorpay Account

If you don’t already have a Razorpay account, visit razorpay.com and click “Sign Up” in the top-right corner. You’ll be prompted to enter your business email, name, and create a password. After registration, verify your email address by clicking the confirmation link sent to your inbox.

If you already have an account, simply log in using your credentials. Ensure you’re logged into the correct account — especially if you manage multiple business entities under different Razorpay profiles.

Step 2: Navigate to the Payment Links Section

Once logged in, access your Razorpay Dashboard. On the left-hand navigation menu, locate and click on “Payment Links.” This section is typically found under the “Products” or “Payments” category, depending on your dashboard layout. If you don’t see it immediately, use the search bar at the top of the dashboard and type “Payment Links.”

The Payment Links dashboard displays a list of all previously created links, their status, and analytics. To create a new link, click the “Create Payment Link” button, usually located at the top-right corner of the page.

Step 3: Enter Payment Details

You’ll now be taken to the payment link creation form. This form requires several key inputs:

• Amount: Enter the exact amount you wish to collect. You can specify the currency (default is INR). Razorpay allows amounts from ₹1 to ₹5,00,000 per transaction.
• Currency: While INR is standard for Indian businesses, Razorpay also supports USD, EUR, GBP, and other major currencies for international transactions.
• Payment Link Name: Give your link a descriptive name, such as “Invoice

  INV-2024-001” or “Monthly Subscription – John Doe.” This helps you identify the link later in reports.

• Description: Add a brief description visible to the payer. This could include the purpose of payment (e.g., “Payment for website design services”), invoice number, or due date. This improves transparency and reduces payment disputes.

These fields are critical for both your internal tracking and the payer’s clarity. Avoid vague names like “Payment Link 1” — they make reconciliation difficult.

Step 4: Set Expiry and Retry Options

Under the “Advanced Settings” section, you’ll find two important options:

• Expiry Date & Time: Set a deadline for when the link will no longer accept payments. This is especially useful for time-sensitive invoices or event registrations. You can set expiry from 1 hour to 30 days. It’s recommended to align expiry with your payment terms (e.g., 7 days for net-7 invoices).
• Allow Multiple Payments: Toggle this option if you want to allow the same link to be used for multiple payments. For example, if you’re collecting a recurring deposit or accepting partial payments, enabling this feature allows customers to pay in installments using the same link. Note: This is disabled by default for security and accounting clarity.
• Allow Partial Payments: If enabled, customers can pay a portion of the amount and return later to pay the rest. This is ideal for large-ticket items or services with flexible payment plans.

Be cautious when enabling multiple or partial payments — while convenient, they require robust accounting to track outstanding balances. Always ensure your internal system syncs with Razorpay’s webhook notifications to stay updated.

Step 5: Customize the Payment Page

Razorpay allows you to personalize the payment page customers see when they click your link. This builds trust and reinforces your brand identity.

• Logo Upload: Upload your business logo (PNG or JPG, under 2MB). It will appear at the top of the payment page.
• Brand Color: Choose a primary color that matches your brand. This affects buttons, headers, and accents on the payment page.
• Custom Header Text: Add a headline like “Thank you for your purchase!” or “Pay your invoice securely.”
• Custom Footer Text: Include contact details, return policy, or terms of service. For example: “Questions? Email support@yourbusiness.com.”

Customization is optional but highly recommended. A branded payment page increases conversion rates by reducing customer hesitation and improving perceived legitimacy.

Step 6: Enable Payment Methods

By default, Razorpay enables all major payment methods: UPI, Credit/Debit Cards, Net Banking, Wallets (Paytm, PhonePe, Google Pay), and BNPL (Buy Now, Pay Later) options like LazyPay and Simpl.

You can selectively disable methods you don’t support. For example:

• If you’re a small business with no card processing setup, disable card payments to avoid confusion.
• If your customers primarily use UPI (common in India), you can prioritize UPI by keeping it enabled and disabling less-used options.

Keep in mind that disabling methods may reduce conversion rates. Test different configurations using A/B testing if you’re optimizing for higher payment completion.

Step 7: Generate and Copy the Link

After filling out all fields and reviewing your settings, click “Create Payment Link.” Razorpay will process your request and generate a unique, secure URL — typically in the format: https://rzp.io/l/yourlinkid.

The link will appear on-screen with a “Copy Link” button. Click it to copy the URL to your clipboard. You can also download a QR code version of the link for in-person payments or print use.

Store this link securely. You can revisit it later from your Payment Links dashboard to view payment status, edit details, or resend it to customers.

Step 8: Share the Payment Link

Now that your link is generated, you can share it via multiple channels:

• Email: Paste the link into an email with a clear subject line and payment instructions.
• SMS: Send the link via text message — ideal for quick, time-sensitive requests.
• WhatsApp: Use WhatsApp Business to send the link with a personalized message. Razorpay links work seamlessly on mobile browsers.
• Social Media: Post the link on Instagram, Facebook, or LinkedIn bios for one-time offers or product sales.
• QR Code: Print or display the QR code at physical locations (e.g., retail counters, events, service vans).

Always include a call-to-action (CTA) when sharing: “Click here to pay your invoice,” or “Complete your payment in under 30 seconds.”

Step 9: Monitor Payments and Receive Notifications

Once the link is live, Razorpay automatically tracks payments. You’ll receive real-time notifications via:

• Email: A confirmation is sent to your registered email whenever a payment is received.
• Dashboard Alerts: The Payment Links dashboard updates instantly with payment status: Pending, Successful, Failed, or Refunded.
• Webhooks (Advanced): If you have a backend system, integrate Razorpay webhooks to trigger automated actions — like updating your CRM, sending receipts, or unlocking digital content upon successful payment.

Check your dashboard regularly to reconcile payments with your accounting records. Each successful payment includes a unique transaction ID, payer details (if provided), and timestamp.

Step 10: Manage and Reuse Links

You can edit, pause, or delete payment links anytime from your dashboard. To edit:

• Go to “Payment Links” in your dashboard.
• Find the link you want to modify.
• Click the three-dot menu and select “Edit.”
• Update amount, description, expiry, or branding — then save.

Note: Editing a link after a payment has been made does not affect the original transaction. It only applies to future attempts. If you need to change the amount after a partial payment, create a new link for the remaining balance.

For recurring clients, consider saving templates. While Razorpay doesn’t offer native templates, you can document your preferred settings (amount, description, expiry, branding) in a spreadsheet and reuse them for similar invoices.

Best Practices

Generating a Razorpay Link is simple, but optimizing its use requires strategic planning. Follow these best practices to improve payment success rates, reduce friction, and maintain compliance.

Use Clear and Specific Descriptions

Always describe the payment purpose in detail. Instead of “Payment for services,” use “Payment for SEO Audit – Project ID: SEO-2024-051.” Clear descriptions reduce customer confusion and chargebacks. Customers are more likely to pay when they understand exactly what they’re paying for.

Set Reasonable Expiry Dates

Don’t leave links open indefinitely. A 7-day expiry is ideal for most invoices. For urgent requests (e.g., event registrations), use 24–48 hours to create urgency. For subscription-based models, consider creating recurring links with automated reminders instead of static links.

Enable UPI and Wallets for Higher Conversion

In India, over 80% of digital payments occur via UPI and digital wallets. Ensure these are enabled by default. Disabling them can lead to abandoned payments, especially among small businesses and individual consumers.

Brand Your Payment Page

A branded payment page increases trust. Customers are more likely to complete a transaction if they recognize your logo, colors, and messaging. Avoid using the default Razorpay template for public-facing links — it looks impersonal and may reduce credibility.

Test Your Links Before Sending

Always test your payment link by making a ₹1 payment using a test UPI ID or card. This verifies that:

• The link redirects correctly
• The amount and description are accurate
• Payment methods are visible and functional
• Receipts are sent to the correct email

Use Razorpay’s test mode (sandbox) for initial testing. Switch to live mode only after confirmation.

Track and Analyze Performance

Razorpay’s dashboard provides analytics on link performance: views, conversions, failed attempts, and refund rates. Review these weekly to identify patterns. For example:

• If many users view the link but don’t pay, the description or amount may be unclear.
• If card payments fail frequently, consider disabling cards and pushing UPI instead.

Use this data to refine future links and improve conversion.

Avoid Sharing Links Publicly on Social Media

While you can post a Razorpay Link on Instagram or Twitter, avoid making it public if it’s tied to a specific invoice or customer. Anyone with the link can pay — even if they’re not the intended recipient. Always send links privately via email, WhatsApp, or direct message.

Integrate with Accounting Software

Sync Razorpay with tools like Tally, QuickBooks, or Zoho Books using webhooks or third-party connectors. This automates bookkeeping and reduces manual data entry. For example, when a payment is received, the system can auto-generate an invoice and update your ledger.

Keep Records Secure

Store payment link IDs, transaction numbers, and customer details in a secure, encrypted database. Avoid storing sensitive data in plain text files or shared spreadsheets. Use password-protected tools like Notion, Google Drive with restricted access, or dedicated CRM platforms.

Update Your Link When Terms Change

If your pricing, service scope, or refund policy changes, update the description on your existing links or create new ones. Outdated information can lead to disputes and negative customer experiences.

Tools and Resources

To maximize the effectiveness of your Razorpay Links, leverage these complementary tools and resources.

Razorpay Dashboard

The primary interface for creating, managing, and analyzing payment links. Accessible via desktop or mobile browser. Offers real-time analytics, bulk export options, and webhook configuration.

Razorpay API (For Advanced Users)

If you’re a developer or run a tech-enabled business, use the Razorpay API to programmatically generate payment links. This is ideal for automating invoice generation, integrating with ERP systems, or creating custom payment flows. Documentation is available at razorpay.com/docs/api/payment-links/.

QR Code Generators

Use free tools like QR Code Generator or QRStuff to convert your Razorpay link into a scannable QR code. Print these on receipts, posters, or business cards for in-person transactions.

Email Templates

Save standardized email templates in Gmail, Outlook, or CRM tools like HubSpot. Example:

Subject: Please Pay Your Invoice 
INV-2024-051
Hi [Name],
Thank you for choosing our services. Your invoice for ₹[Amount] is now due.
You can pay securely via this link: [Razorpay Link]
Payment deadline: [Date]
Questions? Reply to this email.
Best regards,
[Your Name]
[Your Business]

Link Shorteners (Optional)

While Razorpay links are already short (rzp.io), you can use tools like Bitly or Rebrandly to customize the URL further (e.g., bit.ly/yourbiz-pay). This is useful for social media or print materials where space is limited.

Payment Reminder Tools

Tools like Zoho Invoices or Billingcom can automate reminders for unpaid links. Set up auto-reminders at 24, 48, and 72 hours after link creation to reduce outstanding balances.

Analytics Platforms

Integrate Razorpay with Google Analytics or Hotjar to track how users interact with your payment links when embedded in web pages or emails. This helps identify drop-off points and optimize user experience.

Security Tools

Use password managers (Bitwarden, 1Password) to store your Razorpay login credentials securely. Enable two-factor authentication (2FA) on your Razorpay account to prevent unauthorized access to your payment links.

Real Examples

Let’s explore how different businesses successfully use Razorpay Links in real-world scenarios.

Example 1: Freelance Graphic Designer

Sarah, a freelance designer, uses Razorpay Links to invoice clients after project completion. She creates a link with:

• Amount: ₹15,000
• Name: “Logo Design – Client: TechNova”
• Description: “Final payment for logo design and brand guidelines. Due within 7 days.”
• Expiry: 7 days
• Branding: Her logo + brand color (

  2E86AB)

She sends the link via email with a personalized note. Within 48 hours, 85% of her clients pay. She uses the dashboard to track payments and auto-generates PDF receipts for her records.

Example 2: Small E-commerce Store (No Website)

Raj runs a handmade jewelry business on Instagram. He doesn’t have a website but uses Instagram Stories to showcase products. When a customer DMs “I want the gold necklace,” Raj replies with:

• A photo of the product
• A Razorpay Link for ₹3,200
• A QR code printed on a card

Customers scan the QR code or click the link to pay via UPI. Raj receives instant notifications and ships the item. This system has increased his sales by 200% in three months.

Example 3: Yoga Studio Offering Class Passes

A yoga studio in Bangalore uses Razorpay Links to sell monthly passes. Instead of manual cash collection, they:

• Create a link for ₹2,500 labeled “Monthly Pass – April 2024”
• Set expiry to April 30
• Enable multiple payments (for clients who want to pay in two installments)
• Share the link via WhatsApp group and email newsletter

They also generate a QR code for the studio’s front desk. New members scan it upon registration. The studio now has 95% payment collection rate and reduced administrative workload.

Example 4: Non-Profit Organization Collecting Donations

A wildlife conservation NGO created a Razorpay Link titled “Donate to Save Tigers – ₹500” with:

• Logo: Their tiger emblem
• Description: “Your donation helps protect 100+ tigers in Corbett National Park.”
• Expiry: 6 months (for long-term campaigns)
• Payment methods: All enabled

The link is shared on their website, Facebook page, and during live events. They’ve collected over ₹4.2 lakh in 60 days with zero manual follow-ups.

Example 5: Tutor Offering Online Classes

A math tutor in Pune uses Razorpay Links to collect monthly fees from 30 students. He creates a template link for ₹1,200 with the description: “Monthly Math Tuition – Student ID: MATH-023.”

Each month, he duplicates the link, updates the student ID, and sends it via WhatsApp. He uses Excel to track who paid and who hasn’t. The system saves him 10+ hours per month in collection efforts.

FAQs

Can I generate a Razorpay Link without a business account?

Yes. You can create a Razorpay Link using a personal account. However, for commercial use, it’s recommended to register as a business to access higher transaction limits, detailed reports, and compliance features.

Is there a fee for generating a Razorpay Link?

No, creating a payment link is free. Razorpay charges a transaction fee (typically 2% for UPI, 2.5% for cards) only when a payment is successfully processed. There are no setup, monthly, or maintenance fees for the Payment Links feature.

Can I accept international payments using Razorpay Link?

Yes. If your Razorpay account is enabled for international transactions, you can accept payments in USD, EUR, GBP, and other currencies. Ensure your business is KYC-verified for cross-border payments.

What happens if a customer pays twice using the same link?

If “Allow Multiple Payments” is disabled, the second attempt will be rejected. If enabled, each payment is recorded as a separate transaction. Always monitor your dashboard to avoid duplicate charges.

Can I refund a payment made through a Razorpay Link?

Yes. Go to the Payment Links dashboard, find the transaction, and click “Refund.” You can issue a full or partial refund. The amount will be returned to the customer’s original payment method within 5–7 working days.

Do customers need a Razorpay account to pay?

No. Customers can pay using any UPI app, credit/debit card, net banking, or wallet — even if they don’t have a Razorpay account. The payment link is designed for one-time, guest payments.

Can I embed a Razorpay Link on my website?

You cannot embed the link directly as a button, but you can hyperlink text or images to the Razorpay URL. For a seamless experience, consider integrating Razorpay’s payment buttons via API instead.

How long does it take for funds to reach my bank account?

For UPI and wallet payments, funds typically settle in 1–2 business days. Card payments may take 2–3 days. Razorpay follows the standard settlement cycle of the payment method used.

Can I customize the payment page beyond branding?

Currently, you can only customize logo, color, header, and footer. You cannot add custom fields (e.g., name, phone) — the payer must enter their details on the Razorpay page. For advanced customization, use Razorpay’s Checkout API.

What if my link is not working?

Check that:

• The link is not expired
• Your account is active and KYC-completed
• The amount is within limits (₹1–₹5,00,000)
• You’re not using a blocked or restricted payment method

If issues persist, contact Razorpay support via the in-app chat (not customer care). Avoid sharing your link with third-party platforms that may block payment URLs.

Conclusion

Generating a Razorpay Link is one of the most efficient ways to collect payments in today’s digital-first economy. Whether you’re a solopreneur, small business owner, or non-profit, this tool eliminates the complexity of payment integrations while offering a seamless, secure, and branded experience for your customers.

By following the step-by-step guide outlined in this tutorial, you can create payment links that are accurate, trustworthy, and optimized for conversion. Pair this with best practices like branding, expiry settings, and analytics tracking to turn simple links into powerful revenue drivers.

Remember: The goal isn’t just to generate a link — it’s to generate trust, reduce friction, and streamline your cash flow. Razorpay Link is not just a payment tool; it’s a bridge between your service and your customer’s willingness to pay.

Start small. Test one link. Track the results. Scale. With consistent use, Razorpay Links can become the backbone of your payment collection strategy — simple, scalable, and entirely under your control.