Razorpay Cards

Chargebee supports card payments via Razorpay for one-time and recurring (e-mandate) collection. Customers enter card details at checkout, complete mandatory card verification / 3DS when prompted, and return to Chargebee on success.

Use this page after Razorpay is connected and Cards is enabled.

Supported countries and currencies

• Domestic: Customers in India; presentment INR.
• Export-enabled Domestic: Customers outside India in Razorpay-supported presentment currencies; settlement remains INR.
• Import: Customers in India only; presentment INR.

See Supported countries and currencies on the Razorpay overview.

Prerequisites

Before processing card payments via Razorpay:

• Ensure Razorpay is configured in your Chargebee site (Domestic & Export or Import).
• Card verification / 3DS is mandatory for Razorpay in Chargebee (cannot be turned off for this gateway).
• Enable INR (and any Export presentment currencies you need) in Chargebee as applicable.
• Ensure recurring card / e-mandate permissions are enabled on your Razorpay account where required.
• For Import, collect a complete shipping address and required customer / card holder fields — see Razorpay Import.

Configure Cards in Chargebee

1. Connect Razorpay using Domestic & Export or Import.

2. On the Razorpay gateway in Chargebee, enable Cards — see Enable payment methods.

   

3. Ensure Cards (and recurring card / e-mandate permissions where required) are enabled in Razorpay.

4. Go to Settings > Configure Chargebee > Currencies. Review your currency settings and add INR (and any Export presentment currencies you need).

   

5. Review Smart Routing if you route card payments across multiple gateways.

For checkout integration options, see Razorpay — Integration options. For webhooks on Domestic & Export, see Razorpay — Domestic & Export.

Checkout flow (cards)

The following steps describe a typical subscription checkout with card payments:

1. Review the order details and click Proceed to checkout.

   

2. Review the order and continue.

3. Enter account details (and shipping if collected).

4. Select Credit Card, enter card details, and continue.

   

5. Review mandate details if prompted.

   

6. Review the order, click Pay, and complete 3DS on the bank page.

   

7. On success, the customer returns to confirm the purchase.

Recurring cards and e-mandates

The following conditions apply when customers use cards via Razorpay:

• Customers cannot set up recurring payments if the card-issuing bank does not support e-mandates or is not supported by Razorpay. Consider Netbanking or UPI as alternatives. See Razorpay’s supported banks and apps.
• Because of a Razorpay limitation, customers must add a new payment method on checkout or Pay Now to purchase or set up other subscriptions. Saved Cards (or Netbanking e-mandates) do not appear when the customer clicks Pay Now.
• Upgrades to an existing subscription via the Chargebee Portal are not supported. Customers must cancel an existing subscription and buy a new one.
• The e-mandate is set up with these guidelines:
  • The maximum amount is INR 15,000.
  • Validity ends with the card expiry date.
  • Billing frequency is sporadic (as and when presented).

Also see Razorpay RBI e-Mandate Impacts.

Testing

Domestic / Export and Import use different Razorpay test accounts and different test card details. Do not reuse a Domestic test MID for Import (or the reverse).

Test instruments work in test mode only. No real money is moved.

Testing in sandbox (Domestic / Export)

Use your Chargebee test site with a Razorpay Domestic test account.

Cards — Domestic payments

Cards — International / Export presentment (when international payments are enabled on the Domestic account)

Full Domestic test card lists (including subscriptions): Razorpay test cards and UPI.

Import card testing

Use a Chargebee test site with Razorpay Import enabled, and a Razorpay Import test account (not your Domestic test MID).

Cards (from Razorpay Import test guide — note the Domestic Visa number differs from the Domestic account list above)

Use any future expiry and any CVV. For other networks, Razorpay publishes BIN start-digit guidance on the Import test page (dummy cards are not available for all networks).

Always include a valid shipping address in Import test checkouts, or the payment can fail validation.

Full Import sandbox guidance: Razorpay — Test Import integration. Also see Razorpay Import.

Related content

• Razorpay
• Razorpay — Domestic & Export
• Razorpay Import
• Razorpay UPI & Netbanking
• Razorpay RBI e-Mandate Impacts