Razorpay
Connect Razorpay to manage orders, payments, refunds, settlements, subscriptions, payment links, and payouts.
A Razorpay API key pair, the Key Id starting rzp_live_ or rzp_test_ plus the matching Key Secret, which the Dashboard reveals only once.
Seller/marketplace approval before this connector works
Razorpay only issues working live-mode API keys after its team verifies your KYC and business documents and moves the merchant account to Activated.
- Typical wait
- Razorpay publishes no standard KYC turnaround. Its own setup docs state an account can be "activated within 8 business hours" if you take the onboarding-manager route; otherwise the account sits in under_review after KYC submission and merchants commonly report a few working days, longer whenever documents need clarification.
- Cost
- Free (no activation fee; standard per-transaction pricing applies once live)
- Blocked until approved
- Live mode is unavailable, so rzp_live_ keys cannot be generated and no real payment, order, payout, refund or settlement can be processed. Test keys never touch real money or real customer data.
- Works meanwhile
- Test mode works the moment you sign up: rzp_test_ keys, the full Orders/Payments/Refunds/Subscriptions APIs, webhooks and checkout all behave normally against dummy cards and UPI handles.
Where to apply: Razorpay Dashboard, Account and Settings, then the Activation Form / Activation Details section - submit business type, PAN, bank account and the requested proof documents.
- After KYC submission the account enters an under_review state and Razorpay's operations team contacts you - each clarification round adds days, so treat any quoted turnaround as a floor.
- Name mismatch between PAN, bank account and business registration is the most common rejection reason.
- The business category you pick matters - restricted or high-risk categories get held for extra manual review or refused.
- The website or app you declare must be live and show pricing, contact, terms, refund and privacy pages before activation passes.
- Test and live keys are separate objects: activating the account does not migrate your test key, you must generate a fresh live key.
- International or non-India entities go through a different, slower onboarding than the India KYC flow.
- RazorpayX payouts require their own activation on top of payment gateway activation.
- Setup time
- 4 min
- Auth
- API credentials
- API base URL
- https://api.razorpay.com/v1
Before you begin
- A Razorpay merchant account. Live Mode keys also need the account activated through KYC
- Owner or Admin access, because API Keys sits under Account & Settings
- Verified website or app details on the account, which Razorpay requires before it will issue Live Mode keys
- One active key pair per mode per account. Regenerating replaces whatever is running in production today
Get your credentials
Pick the mode before you generate anything
Sign in at dashboard.razorpay.com and set the switch in the top bar to Live Mode or Test Mode. Generate the key in the mode you want PopMCP to talk to.
Home
Acme Retail Pvt Ltd
| Metric | Today | Status |
|---|---|---|
| Authorized payments | 1,284 | Live |
| Pending settlement | Rs 4,21,900 | Scheduled |
The mode switch sits in the top bar and controls every page below it.
Open Account & Settings then API Keys
Click Account & Settings in the left navigation, then open API Keys under Website and app settings.
API Keys
Keys used to authenticate API requests from your server.
| Key Id | Created on | Status |
|---|---|---|
| rzp_live_****4a2fLive Mode | Mar 4, 2026 | Active |
When a pair already exists the button reads Regenerate Key and the old pair stops working.
Generate the key pair
Click Generate Key, then read the Key Id and Key Secret from the dialog that opens.
API Keys
Save the secret before closing the dialog
Click Download Key Details, or copy both halves by hand. Close the dialog only after the secret is stored somewhere safe.
Paste both values into PopMCP
Open the Razorpay connector in PopMCP. Paste the rzp_ value into Key ID and the secret into Key Secret, then click Connect.
Connect in PopMCP
Open your workspace, choose Razorpay in the marketplace, and fill in the connect dialog:
| Field | What to enter |
|---|---|
| Key IDtext | Razorpay Dashboard → Account & Settings → API Keys → Generate/Download. The Key ID starts with rzp_test_ (sandbox) or rzp_live_ (production). This is the account the MCP is locked to. |
| Key Secretsecret | The Key Secret is shown only ONCE when you generate the key. Copy it then (regenerate if you lost it). It pairs with the Key ID for HTTP Basic auth. Stored encrypted; used server-side only.Encrypted with AES-256-GCM on save and never shown again. |
PopMCP verifies the credential against Razorpay immediately. On success the connection flips to Verified and its MCP tools are provisioned.
Verify it worked
PopMCP shows the Razorpay connector as Connected and reports the mode it read from the Key Id prefix. Asking for recent payments or settlements returns rows from that Razorpay account.
Troubleshooting
401 with "Authentication failed"
Why: The Key Id and Key Secret came from different generations, or the pair was regenerated after you pasted it.
Fix: Generate a fresh pair and paste both halves from the same dialog. A Key Id never works with an older secret.
The Key Secret is no longer visible on the Dashboard
Why: Razorpay shows the secret once. After that only the Key Id is listed.
Fix: Regenerate the pair, then update every integration that used the old secret.
The connection succeeds but live data is empty
Why: The key was generated while the Dashboard was in Test Mode, so it only sees simulated transactions.
Fix: Switch to Live Mode, generate a Live key pair, and replace both values in PopMCP.
Generate Key is blocked in Live Mode
Why: The account has not finished activation, or the website and app details have not been verified.
Fix: Complete KYC and verify the website details under Account & Settings, or connect with Test Mode keys in the meantime.
Payouts or subscription endpoints return 400 or 403
Why: RazorpayX Payouts and Subscriptions are separate products that must be enabled on the account.
Fix: Enable the product under Account & Settings and retry with the same key pair.