How to Integrate Razorpay with Store.icu in 15 Minutes (Complete 2026 Guide)

Why Integrate Razorpay with Store.icu?

Before diving into the how-to, let’s understand why this integration is perfect for Indian eCommerce:

• Accept All Payment Methods: UPI (PhonePe, Google Pay, Paytm), cards, netbanking, wallets, EMI, Pay Later
• Zero Setup Cost: No upfront fees—start accepting payments immediately
• Native Integration: Built directly into Store.icu dashboard
• Fast Settlements: Money in your bank within 2-3 days
• 98%+ Success Rate: Industry-leading payment success
• Mobile-First: Optimized for Indian smartphone users
• Instant Activation: Most accounts approved within 24 hours

What You’ll Need Before Starting

Step 1: Create Your Razorpay Account (5 minutes)

First, you need a Razorpay merchant account to receive payments.

1.1 Sign Up for Razorpay

1. Visit dashboard.razorpay.com/signup
2. Enter your email address and create a strong password
3. Click “Create Free Account”
4. Verify your email by clicking the link sent to your inbox

1.2 Complete Business Profile

1. Log into your Razorpay dashboard
2. Click on “Activate your Account” or navigate to Settings → Account
3. Fill in your business details:
   • Business Type: Sole Proprietorship, Partnership, Private Limited, etc.
   • Business Name: Your store name
   • Business Category: Select your industry (e.g., Fashion, Electronics)
   • Business Description: Brief description of what you sell
   • Website URL: Your Store.icu store URL

1.3 Complete KYC Verification

1. Navigate to Settings → Account → KYC Details
2. Upload required documents:
   • PAN Card: Individual PAN or Business PAN
   • Business Proof: GST Certificate, Shop Establishment, or COI (if registered)
   • Bank Account: Add your bank account details
   • Bank Proof: Upload cancelled cheque or bank statement
   • Address Proof: Aadhaar, passport, or utility bill
3. Click “Submit for Verification”
4. Wait for approval (typically 24-48 hours, but can be instant)

Step 2: Get Your Razorpay API Keys (2 minutes)

API keys are what connect your Store.icu store to your Razorpay account.

2.1 Access API Keys

1. Log into your Razorpay dashboard
2. Click on Settings in the left sidebar
3. Navigate to API Keys (under Website and app settings)
4. You’ll see two keys:
   • Test Mode: For testing payments (no real money)
   • Live Mode: For accepting real payments (appears after KYC approval)

2.2 Generate Keys

1. Start with Test Mode keys for initial setup
2. Click “Generate Test Key” if not already generated
3. You’ll see two values:
   • Key ID: Starts with rzp_test_
   • Key Secret: Click “Show” to reveal (starts with letters/numbers)
4. Copy both keys—you’ll need them in the next step

Step 3: Configure Razorpay in Store.icu (5 minutes)

Now let’s connect everything together in your Store.icu dashboard.

3.1 Access Payment Settings

1. Log into your Store.icu admin dashboard
2. Navigate to Settings → Payments in the left sidebar
3. You’ll see a list of available payment methods
4. Click “Add Payment Method”

3.2 Select Razorpay

1. From the list of available payment providers, find and select “Razorpay”
2. You’ll be taken to the Razorpay configuration page

3.3 Enter API Credentials

1. In the configuration form, enter:
   • Key ID: Paste your Razorpay Key ID (from Step 2)
   • Key Secret: Paste your Razorpay Key Secret
   • Display Name: “Pay with Razorpay” or customize as needed
2. For now, use your Test Mode keys to test everything

3.4 Configure Payment Options

1. Choose which payment methods to enable:
   • ✅ Credit/Debit Cards: Visa, Mastercard, RuPay, Amex
   • ✅ UPI: PhonePe, Google Pay, Paytm, BHIM
   • ✅ Netbanking: All major banks
   • ✅ Wallets: Paytm, Mobikwik, FreeCharge, Amazon Pay
   • ✅ EMI: Card EMI and Cardless EMI
   • ✅ Pay Later: LazyPay, Simpl, ZestMoney
2. Set minimum order amount (if desired)
3. Configure payment capture mode:
   • Automatic: Capture payment immediately (recommended)
   • Manual: Capture payment later (for pre-orders, etc.)

3.5 Enable the Payment Method

1. Toggle the “Enable Payment Method” switch to ON
2. Click “Save” or “Submit”
3. You should see a success message

Step 4: Test Your Integration (3 minutes)

Always test before going live to ensure everything works perfectly.

4.1 Create a Test Product

1. In your Store.icu dashboard, go to Products → Add Product
2. Create a simple test product:
   • Name: “Test Product”
   • Price: ₹100
   • Status: Active
3. Save the product

4.2 Place a Test Order

1. Open your Store.icu store in a new browser window (or incognito mode)
2. Add the test product to cart
3. Proceed to checkout
4. Fill in customer details (use a valid email you can access)
5. Select Razorpay as payment method
6. Click “Place Order”

4.3 Complete Test Payment

1. You’ll be redirected to Razorpay’s payment page
2. Since you’re in test mode, you’ll see test payment options
3. Use Razorpay’s test credentials:
   • Test Card: 4111 1111 1111 1111
   • CVV: Any 3 digits (e.g., 123)
   • Expiry: Any future date (e.g., 12/25)
   • Name: Any name
4. Click “Pay”
5. You should see a success message and be redirected back to your store

4.4 Verify in Dashboards

1. Check your Store.icu Orders page—order status should be “Paid”
2. Check your Razorpay Dashboard—payment should appear under Transactions
3. Verify you received an order confirmation email

Step 5: Go Live with Real Payments (2 minutes)

Once your KYC is approved and testing is successful, switch to live mode.

5.1 Wait for KYC Approval

1. Check your email for Razorpay approval notification
2. Or check dashboard—you’ll see “Account Activated” status
3. Live API keys will now be available

5.2 Generate Live API Keys

1. In Razorpay dashboard, go to Settings → API Keys
2. Switch to “Live Mode” (toggle at top of page)
3. Click “Generate Live Key”
4. Copy both Key ID and Key Secret (Key ID starts with rzp_live_)

5.3 Update Store.icu with Live Keys

1. Go back to your Store.icu dashboard
2. Navigate to Settings → Payments → Razorpay
3. Replace test keys with live keys:
   • Update Key ID with live key
   • Update Key Secret with live secret
4. Click “Save”

5.4 Place a Small Real Order

1. Make a small real payment (₹10-50) to verify live mode works
2. Use your own card or UPI
3. Verify payment appears in both dashboards
4. Check that money settles to your bank account (T+2 days)

Advanced Configuration Options

Once basic integration is working, explore these advanced features:

Payment Customization

• Custom Branding: Add your logo to Razorpay checkout page
• Payment Description: Customize the payment description customers see
• Preferred Methods: Show certain payment methods first
• Language Selection: Offer checkout in regional languages

Webhooks Setup

1. In Razorpay dashboard, go to Settings → Webhooks
2. Click “Add Webhook”
3. Enter your Store.icu webhook URL (available in Store.icu Razorpay settings)
4. Select events to track:
   • payment.authorized
   • payment.captured
   • payment.failed
   • refund.created
5. Save webhook—now you’ll get real-time payment updates

Refund Settings

1. Configure automatic refund rules in Store.icu
2. Set refund processing time (instant vs. manual review)
3. Enable partial refunds if needed

Fraud Prevention

1. In Razorpay dashboard, navigate to Settings → Payments → Risk Controls
2. Configure:
   • Velocity Limits: Maximum transactions per IP/card
   • Geoblocking: Block specific countries if not serving them
   • Amount Limits: Set maximum transaction amounts
   • Email/Phone Verification: Require verified contact details

Troubleshooting Common Issues

Issue 1: “Invalid API Key” Error

Causes:

• Copied key incorrectly (extra spaces, missing characters)
• Using test key in live mode or vice versa
• API key was regenerated in Razorpay but not updated in Store.icu

Solutions:

• Re-copy the API key carefully (no extra spaces)
• Verify you’re using the correct mode (test vs. live)
• Check if the key is still active in Razorpay dashboard
• Regenerate the key if necessary and update in Store.icu

Issue 2: Payment Page Not Loading

Causes:

• JavaScript blocked by browser
• Ad blocker interfering
• Network connectivity issues
• Razorpay servers temporarily down

Solutions:

• Try in incognito/private browsing mode
• Disable ad blockers temporarily
• Check Razorpay status page for outages
• Clear browser cache and cookies
• Try a different browser

Issue 3: Payments Successful but Order Not Created

Causes:

• Webhook not configured properly
• Store.icu and Razorpay not syncing
• Network timeout during redirect

Solutions:

• Set up webhooks (see Advanced Configuration above)
• Check webhook logs in Razorpay dashboard
• Verify webhook URL is correct in Razorpay
• Contact Store.icu support to verify integration

Issue 4: KYC Stuck in “Under Review”

Causes:

• Missing or unclear documents
• Mismatch in business name/details
• Additional verification required

Solutions:

• Check email for requests from Razorpay
• Ensure all documents are clear and valid
• Verify business name matches across all documents
• Contact Razorpay support via dashboard chat

Issue 5: Settlement Delayed or Not Received

Causes:

• Bank account details incorrect
• Settlement schedule not yet due (T+2 days)
• KYC incomplete or additional verification needed
• Bank holiday affecting settlement

Solutions:

• Verify bank account details in Razorpay dashboard
• Check settlement schedule (Settings → Settlements)
• Ensure KYC is fully approved
• Account for weekends and bank holidays
• Contact Razorpay support if delayed beyond T+5

Optimizing Payment Success Rates

Follow these best practices to maximize successful payments:

1. Enable All Payment Methods

Don’t restrict payment options. The more choices customers have, the higher your conversion rate. Some customers prefer UPI, others cards, others wallets.

2. Use Mobile-Optimized Checkout

Razorpay’s checkout is mobile-first, but ensure your Store.icu theme is also mobile-responsive. 70%+ of Indian eCommerce traffic is mobile.

3. Clear Pricing

Show all costs upfront (product price, shipping, taxes). Surprise costs at checkout are the #1 reason for cart abandonment.

4. Save Card Details

Enable Razorpay’s card saving feature for repeat customers. This reduces friction and increases repeat purchase rates.

5. Retry Failed Payments

Enable automatic retry for failed payments. Sometimes payments fail due to temporary issues—automatic retry can recover 15-20% of failed transactions.

6. Offer EMI Options

For products over ₹3,000, offer EMI. This can increase conversion rates by 25-30% for higher-value items.

7. Use Smart Routing

Enable Razorpay’s smart routing feature. It automatically selects the best payment path based on success rates, increasing overall payment success.

Understanding Transaction Fees

Razorpay’s pricing is transparent and competitive:

What’s NOT Charged:

• Setup fee: ₹0
• Annual maintenance: ₹0
• Dashboard access: ₹0
• API usage: ₹0
• Standard settlements: ₹0

Next Steps After Integration

Now that Razorpay is set up, maximize its potential:

Week 1: Monitor and Optimize

• Track payment success rates in Razorpay dashboard
• Identify which payment methods customers prefer
• Monitor settlement timings
• Set up email notifications for transactions

Week 2: Enhance Customer Experience

• Customize checkout page with your branding
• Enable saved card feature for returning customers
• Add payment method icons to your Store.icu theme
• Create trust badges highlighting secure payments

Week 3: Add Advanced Features

• Set up Razorpay Payment Links for WhatsApp sales
• Create subscription products if selling recurring items
• Explore Razorpay invoicing for B2B sales
• Set up automatic refund workflows

Week 4: Scale and Grow

• Analyze payment data to understand customer behavior
• Optimize pricing strategy based on EMI usage
• Expand to international markets if relevant
• Consider Razorpay Capital for business loans

Getting Help and Support

Store.icu Support

• Documentation: onlinestore.support/docs
• Support Portal: Submit tickets through your dashboard
• Live Chat: Available during business hours
• Email: support@store.icu

Razorpay Support

• Help Center: razorpay.com/support
• Dashboard Chat: Click chat icon in Razorpay dashboard
• Email: support@razorpay.com
• Phone: 080-68274444 (Mon-Sat, 9 AM – 9 PM)

Frequently Asked Questions

How long does Razorpay approval take?

Most accounts are approved within 24-48 hours. Some may take up to 5-7 days if additional documentation is needed. You can test the integration immediately in test mode while waiting for approval.

Can I use Razorpay without GST registration?

Yes! You can use Razorpay as a sole proprietor without GST registration. You’ll still need PAN and basic business documentation.

What’s the minimum order amount for Razorpay?

Razorpay supports payments from ₹1 onwards. There’s no minimum order amount, though you should consider that transaction fees make very small transactions less economical.

Can I accept international payments?

Yes! Once your account is approved, you can enable international card payments. This requires additional RBI compliance documentation, which Razorpay guides you through.

How do refunds work?

Refunds can be processed instantly from either your Store.icu dashboard or Razorpay dashboard. The money is returned to the customer’s source account within 5-7 business days (depending on the bank).

Is there a transaction limit?

By default, the transaction limit is ₹1 lakh per transaction. You can request higher limits by contacting Razorpay support with your business justification.

What happens if a payment fails?

Failed payments are automatically marked as failed in both dashboards. No money is deducted from the customer. They can retry immediately or return later to complete payment.

Conclusion: You’re Ready to Accept Payments!

Congratulations! You’ve successfully integrated Razorpay with your Store.icu eCommerce store. What used to take weeks of development work and thousands in setup fees is now complete—in just 15 minutes.

Your store is now ready to accept payments from millions of Indian customers using their preferred payment methods. As you grow, Razorpay and Store.icu will scale effortlessly with you.

Next Steps:

• 📚 Read: Razorpay vs Traditional Payment Gateways
• 🎓 Explore: 10 Razorpay Features for Store.icu
• 💬 Join our Community of Indian eCommerce entrepreneurs
• 📊 Store.icu University – Free courses