Razorpay

India’s digital payments story over the last decade has been nothing short of phenomenal. We’ve built an ecosystem that processes billions of transactions seamlessly. Yet, we know that beneath the surface of this massive growth lies a quieter, persistent gap. It’s the payment that inexplicably fails. The OTP that arrives ten seconds too late. The [...]

Your German client emails: “Payment sent, EUR 8,000 as agreed.” Three days later your account shows closer to INR 7.1 lakh instead of the roughly INR 7.4 lakh you calculated. Where did the missing money go? The answer is not fraud, and it is not your client. It is the payment rail itself. Most Indian [...]

The deal with your Saudi client is closed. The purchase order is signed. Now comes the part nobody warned you about: getting the money into your Indian bank account cleanly. Not shipping, not SABER, not customs – the payment. Your bank is asking for purpose codes you have never heard of. Your FIRC is missing. [...]

The Canadian client marks the invoice paid. A day later, your bank SMS lands, and the credited INR is noticeably lower than the invoice suggested. Then your CA calls asking for an FIRC. Here is the correction most businesses learn the hard way: receiving the money is not the same as receiving it correctly. Using [...]

Material Event filed 2026-08-10

Quarterly Report filed 2026-08-10

The India-UAE business corridor is one of the fastest-growing export corridors in Asia. India-UAE bilateral trade reached USD 101.25 billion in FY 2025-26, and behind that number is a wave of Indian IT firms, consultants, SaaS companies, and exporters billing UAE clients every month. The problem: most Indian businesses receive AED the slow, expensive way [...]

India’s inward remittance flows reached an estimated USD 129 billion in 2024, the highest of any country globally, while India’s services exports climbed to a historic USD 387.5 billion in FY 2024-25, with IT and business services forming the largest slice. Europe is a growing source of that revenue. Yet most Indian businesses lose 2-4% [...]

You have built an audience on Instagram, YouTube, or WhatsApp. Now you want to sell – a course, a batch of cupcakes, a coaching slot, a thrifted jacket. But you keep hitting the same wall: your bio allows just one clickable link, and your only payment tool is a personal UPI ID. That means DMs [...]

India runs on real-time money movement, but the infrastructure most businesses use to accept it has not kept pace. Every day, 84% of electronic payments made in India are real-time, yet many merchants still route every transaction through a single gateway. That quietly leaks revenue. Smart routing payments is the layer that decides which gateway, [...]

India’s bill-payment infrastructure has consolidated onto a single central network. The modern standard is one API connection to NPCI’s Bharat Connect (BBPS) platform. The scale is hard to ignore: payments on Bharat BillPay touched 3.05 billion in 2025, worth Rs 14.84 trillion. This guide is a practitioner’s playbook. It covers ecosystem roles, the RBI mandate, [...]