Setup & Configuration

Setting up Razorpay (online payments)

Connect Razorpay so parents can pay fees online by UPI, card, or netbanking.

2 min readPublished June 4, 2026· Updated June 21, 2026

Setting up Razorpay (online payments)

Razorpay is the payment gateway Schoolwati uses for online fees. This article covers how to connect your Razorpay account.

For the day-to-day flow (how parents pay, what happens after), see Online payments with Razorpay.

Before you start

You need a Razorpay merchant account. Sign up at razorpay.com — it's free to create, but you'll need to complete their KYC process before going live. KYC usually takes 1-3 business days.

Step 1. Get your Razorpay credentials

  1. Log into your Razorpay dashboard.
  2. Go to Account & Settings → API Keys.
  3. Click Generate Key. You'll see a Key ID and a Key Secret.
  4. Copy both — the Key Secret is shown only once, so save it somewhere safe.

Step 2. Paste them into Schoolwati

  1. Open Setup → Integrations → Razorpay.
  2. Paste Key ID and Key Secret.
  3. Click Test Connection. You should see a green tick.

Step 3. Set up the webhook

Razorpay needs to tell Schoolwati when a payment succeeds. Set up a webhook:

  1. On the Schoolwati Razorpay settings page, copy the webhook URL shown.
  2. In your Razorpay dashboard, go to Account & Settings → Webhooks → Add.
  3. Paste the URL.
  4. Subscribe to these events: payment.captured, payment.failed, refund.processed.
  5. Save.

Step 4. Test with Test Mode

Before going live, run a test payment:

  1. Set Schoolwati's Razorpay mode to Test.
  2. Generate a test invoice for a test student.
  3. Use one of Razorpay's test cards to pay.
  4. Verify the payment shows as PAID in Schoolwati.

Step 5. Switch to Live

After your test works:

  1. Get live mode API keys from Razorpay (different from test keys).
  2. Update Schoolwati with the live keys.
  3. Set mode to Live.

Convenience fees

Razorpay charges a transaction fee — typically around 2% on cards, lower on UPI. You can choose:

  • Absorb — your school pays the fee. Default.
  • Pass to parent — added to the parent's amount at checkout.
  • Per-method — absorb UPI fees, pass card fees. Most flexible.

Which payment methods to offer

You can tick which methods appear at checkout: UPI, Cards, Netbanking, Wallets. Disable ones you don't want.

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