How to Connect Razorpay to Shopify: Setup, KYC and Fees

How Razorpay Connects to a Shopify Store

Shopify Payments is open only to businesses in the countries on Shopify's supported-countries list, and as of November 10, 2026 India isn't on it. Shopify's help is direct about what that means:

Razorpay's guide adds the plugin with Add payment method under Additional payment methods in Settings > Payments, and it says to log in with store owner credentials to connect Razorpay with Shopify.

Razorpay publishes more than one app for Shopify, and they do different jobs. Know which is which before you search:

App Store listing for Cards, UPI, Wallet by Razorpay

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This guide covers Razorpay alone. If you're still choosing a provider, see which other providers add UPI to a Shopify store in India.

What You Need Before You Connect Razorpay

Razorpay's integration guide puts the account first. You submit KYC, and once its team completes KYC verification and you are enabled to accept payments, Razorpay confirms on WhatsApp, SMS and email; only then does the guide move on to installing the app. Here is what to have in place:

KYC is where the waiting happens. For a registered business, Razorpay's setup guide asks for at least one required document and one additional document:

• Required: a GST certificate or an MSME/UDYAM certificate.
• Additional: a Shop Establishment certificate, an Import Export Certificate or a mobile postpaid bill.
• Unregistered businesses and individuals: PAN, then a Central KYC (CKYC) check. If CKYC fails, Razorpay's guide asks you to share Aadhaar details through DigiLocker or a manual upload, and individual unregistered businesses must go through Video KYC.

With an existing CKYC record, Razorpay validates your identity from it and says you can complete onboarding in minutes instead of days. Your account then carries one of five statuses: under_review, needs_clarification, activated, suspended or rejected. Only activated means the account is ready to accept payments and settlements.

Razorpay adds one condition specifically for Shopify:

An activated account doesn't put Razorpay on your checkout by itself; the checkout-side checks come after you install the app.

How to Connect Razorpay to Shopify, Step by Step

Razorpay's integration guide, last updated November 4, 2026, gives two ways in once your account is active: a direct link in the guide that opens the app in your Shopify admin, or the manual route through Settings > Payments > Add payment method and Search by provider.

Shopify's own help describes a Choose a provider button for stores where Shopify Payments isn't available. The checklist below follows Razorpay's route, because that is where Razorpay says its plugin is listed.

In our US test store on November 10, 2026, the button that opened Add payment method was labelled + Method, under More ways to pay in Settings > Payments, and that page had a Search by provider tab. Shopify filters the provider list by store address, so our US store can't show what a store in India finds there.

In Shopify adminOpen in your store

1. Settings
2. Payments
3. Add payment method

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Razorpay also published a walkthrough of just under four minutes on its own channel in February 2026, covering the setup, a test payment, switching to live mode and the payment status in its Dashboard. Admin labels may have shifted since; the checklist above follows Razorpay's current guide.

Test Mode and Going Live

Razorpay's test runs on your real storefront. Open the Razorpay app in Settings > Payments, turn on Test mode and select Save. Then add an item to your cart, select Buy it now, choose Razorpay Secure and complete the order. Razorpay says no money is deducted, because it is a simulated transaction.

One detail shows up during the test: the buyer's email is prefilled, but the phone number must be entered manually. Razorpay points to Settings > Checkout > Customer contact method in Shopify for that setting.

Going live is where Razorpay's own pages disagree. The go-live checklist in its integration guide says to select the Enable test mode option and save. Its Shopify FAQ says to uncheck it to accept live payments, and its cash-on-delivery guide says to clear it.

The aim is live payments, and two of the three pages say the box must end up empty. So clear Enable test mode, select Save, and reopen the app to confirm the box is still clear before you announce the store.

Magic Checkout or the Standard Plugin

The standard plugin adds Razorpay as a payment method on Shopify's own checkout. Magic Checkout goes further, and Razorpay describes it in one line:

Razorpay's Shopify documentation describes two Magic Checkout setups, and only one is offered to new stores. The Razorpay COD & Magic Checkout listing on the App Store is the public app, which Razorpay says is being retired:

• Stay on the standard plugin if you want Shopify's own checkout untouched, no API keys to manage, or buyers paying in other currencies, which take a request to Razorpay Support plus a change of your shop's base currency and prices.
• Consider Magic Checkout if your buyers pay in rupees and you want Razorpay's one-page checkout in place of Shopify's. Ask Razorpay for its rate first.

Razorpay's setup works on a copy of your theme, and nothing changes on your storefront until that copy is published. Razorpay warns that edits you make to your live theme after setup aren't in the copy. Live API keys come from Account & Settings → Website and app settings → API keys in the Dashboard, for one store per Razorpay account.

To pause Magic Checkout, don't uninstall the app: Razorpay says uninstalling turns Magic Checkout off on your Razorpay account and you would have to set it up again. The custom app has no pause switch, so you write to Razorpay support instead.

Who Can Turn On Magic Checkout

Razorpay's Magic Checkout overview, last updated October 8, 2026, says “This is an on-demand feature” and asks you to fill out a form to have it activated. Its Shopify setup page, updated October 30, 2026, says the opposite: every Razorpay account can set up Magic Checkout on Shopify itself.

While the two pages disagree, open Magic Checkout in your Razorpay Dashboard and look for Try Magic Checkout now, where the Shopify setup page starts. If it isn't there, use the overview's form or ask Razorpay support. The Shopify setup page adds that live API keys exist only after activation, and setup needs them.

Cash on Delivery With Razorpay

Razorpay's Razorpay - Cash on Delivery plugin adds a cash option on Shopify's checkout. Razorpay calls it an on-demand feature and asks you to write to magic-checkout-support@razorpay.com to integrate it. Its guide ends by telling you to clear Enable test mode and click Save.

With Magic Checkout, Razorpay recommends setting cash on delivery in its Dashboard, under Magic Checkout → Setup & Settings → Platform Settings → COD Setup, and says that COD settings configured on the Shopify store will not apply once you do. The same features page also describes a second method, which uses COD tags on products in your Shopify store.

On fees, Shopify says its third-party transaction fees don't apply to manual payment methods, which include cash on delivery. That exemption is written for Shopify's own Cash on Delivery option in your payment settings; for COD taken through a Razorpay app, check how it appears on your Shopify bill.

Which Payment Methods Your Buyers Get

At checkout, buyers see Razorpay as Razorpay Secure (UPI, Card, Int’l Card, Apple Pay). Behind that option, Razorpay's integration guide lists ten methods, as of November 10, 2026:

Razorpay's FAQ adds a few limits. You can't rearrange the order of the payment options from Shopify's store settings, which Razorpay attributes to a limitation on Shopify's side.

And if your checkout shows cards only, you may have installed the Razorpay Direct - Credit Card Plugin, which supports card payments only; UPI, netbanking and wallets need Razorpay Secure.

Selling in another currency takes three steps on Razorpay's list: raise a request with Razorpay Support to enable international currency on your account, set your shop's base currency to a supported international currency, and price your products in that currency. Razorpay's Shopify FAQ says the plugin supports only currencies that use two decimal units, such as USD, EUR and INR, and not currencies with zero or three decimal units, such as JPY or BHD.

What Razorpay on Shopify Costs

The plugin itself costs nothing: its App Store listing reads “Free to install. Additional charges may apply.” Those charges arrive in two places. Razorpay's pricing page says its transaction fee and applicable GST are deducted from the customer's payment at the source, and the rest is settled to your bank account, while Shopify bills its own fee on your Shopify invoice.

The figures below are for the standard plugin. For Magic Checkout, Razorpay quotes its own rate, so ask before you set it up (see Magic Checkout or the Standard Plugin).

Razorpay's Fee per Payment

Razorpay prices by payment method, and these are the rates you pay on top of Shopify's fee:

UPI needs a note. As of November 10, 2026, Razorpay's pricing page says there is Zero MDR on standard bank-to-bank UPI transactions, so banks charge no merchant discount rate, but its 2% platform fee still applies to them.

The 90-day offer is a limited-period promotion, and Razorpay's offer terms set its limits: no platform fee on up to ₹5 lakh of domestic payments, for 90 days from account activation or until that amount is used up, whichever comes first. It covers merchants whose accounts are activated on or after July 1, 2026, with one redemption per PAN or bank account. Prepaid cards, corporate credit cards, Amex and Diners Club cards and all EMI-based methods are excluded, and GST on the platform fee isn't waived.

So budget on 2% unless Razorpay confirms the offer for your account. Razorpay's pricing page writes its rates as 2% + GST and 2.15% + GST, so add GST on top of those percentages.

Shopify's Third-Party Fee on Top

Shopify charges this fee on live payments through Razorpay's standard plugin, as it does on other third-party payment gateways. Its India pricing page lists it at 2% on Basic, falling to 1% on Grow, 0.6% on Advanced and 0.2% on Plus. Shopify calculates it over a 30-day period on the products minus discounts, plus tax and shipping.

It doesn't replace Razorpay's fee, and Shopify's billing help says so directly:

Take one ₹1,000 order paid through Razorpay's standard gateway. Razorpay's fee is ₹20 plus GST. Here is what Shopify adds on each plan, with the plan's monthly price in India beside the US list price:

Shopify's part shrinks as your plan grows, while Razorpay's stays the same on every plan. Whether that justifies a bigger plan depends on your volume; our gateway guide works through how the surcharge is built.

For yearly billing and the introductory rate, see what each Shopify plan costs in rupees.

Refunds, Captures and Payouts

After launch, the money side splits between two dashboards: the order and Shopify's fee live in Shopify, while settlements and reports live in your Razorpay Dashboard.

Where to Refund a Razorpay Payment

Razorpay's refund guide starts in Shopify: go to Orders, open the order, select Refund, then enter a full or partial amount and a reason.

Shopify's rule rewards that route. In a country where Shopify Payments isn't available, an order refunded through Shopify gets its transaction fees refunded in proportion to the amount refunded. Card fees are a different matter: Shopify says they are set and charged by the payment gateway.

For the fee side in more detail, see what happens to Shopify's transaction fee on a third-party gateway.

When Razorpay Pays You

Razorpay's settlement docs say its standard settlement cycle for domestic payments is T+2 working days, where T is the date the payment is captured, paid in rupees to a KYC-approved account. The cycle can depend on your business vertical and risk. Razorpay's pricing page puts it differently, saying settlement is typically T+1 or Instant, so check the settlement cycle Razorpay sets for your account. Three more points from Razorpay's pages:

• Captures are automatic, but verify first. Razorpay's FAQ says there is a 0.5% chance that an authorised payment fails to capture and is refunded automatically, so check the payment status in your Razorpay Dashboard, or reconcile it from the reports, before you process the order.
• International payments may be held. Razorpay may hold part or all of an international payment as a reserve before it settles it.
• Reconciliation runs on the payment ID. Copy the Razorpay payment ID from the Shopify order and find it under Transactions → Payments in your Razorpay Dashboard; for bulk checks, Razorpay points to Reports → Shopify Payments Report.

When Razorpay Doesn't Show or a Payment Fails

Razorpay vanished after you added another provider and, even after you removed it, checkout says “This store can't accept payments right now,” or the Activate button is greyed out. Each of these has a documented cause in Razorpay's FAQ or Shopify's help:

If checkout still won't take payments with Razorpay active, see what else stops a store from taking payments.

Payment method customizations are the rules that hide, rename or reorder payment methods at checkout; here is how they work and which plans can use them.

In Shopify adminOpen in your store

1. Settings
2. Payments

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Switching Accounts or Removing Razorpay

Razorpay's FAQ is strict about pairing: a Shopify store can be linked to only one Razorpay account (MID) at a time. The moves that follow from it:

• Switching Razorpay accounts: revoke the store's access in your Razorpay Dashboard, delete the app in Shopify, then install it again and log in with the other account.
• Upgrading an old integration: if you connected before April 28, 2022, follow Razorpay's migration to Razorpay Secure and deactivate the old plugin; Razorpay says the migration prevents payment failures, adds no charges and keeps your pricing plan.
• Removing Razorpay: in Settings > Payments, open Add payment methods, search by provider for the Razorpay app and select Uninstall.
• Pausing Magic Checkout on the custom app: write to Razorpay rather than uninstalling, because uninstalling switches Magic Checkout off and you would set it up again.

Shopify's help on changing a credit card provider gives this advice about returns on the previous provider's orders:

The Bottom Line

Most of the work sits on either side of the install: KYC on Razorpay's side before it, and two fees to budget on live payments after it.

Frequently Asked Questions