Payout destination accounts (bank, VPA, card) linked to contacts
openapi: 3.0.0
info:
title: Razorpay Bills X Fund Accounts API
version: 1.0.0
description: Razorpay payment gateway APIs for accepting payments, managing orders, processing refunds, payouts, and subscriptions. All amounts are in the smallest currency sub-unit (e.g. paise for INR). Supports 180+ payment methods including UPI, cards, netbanking, wallets, and EMI.
termsOfService: https://razorpay.com/terms/
contact:
name: Razorpay Support
url: https://razorpay.com/support/
email: support@razorpay.com
license:
name: Proprietary
url: https://razorpay.com/terms/
x-logo:
url: https://razorpay.com/favicon.png
x-auth-environments:
test:
keyPrefix: rzp_test_
description: Test mode — keys prefixed rzp_test_. Same API endpoint (https://api.razorpay.com/v1). No real money movement. Use test card numbers from https://razorpay.com/docs/payments/payments/test-card-details/.
live:
keyPrefix: rzp_live_
description: Live mode — keys prefixed rzp_live_. Real money movement. Requires KYC and business activation on the Razorpay Dashboard.
servers:
- url: https://api.razorpay.com/v1
description: Production
security:
- basicAuth: []
- oauth2:
- read_only
tags:
- name: X Fund Accounts
description: Payout destination accounts (bank, VPA, card) linked to contacts
paths:
/fund_accounts:
post:
operationId: createFundAccount
summary: Create a fund account
description: Create a bank account, VPA, card, or wallet (Amazon Pay) fund account linked to a contact. Fund accounts are immutable after creation. Returns existing record if contact_id + account details all match.
tags:
- X Fund Accounts
requestBody:
required: true
content:
application/json:
schema:
type: object
required:
- contact_id
- account_type
properties:
contact_id:
type: string
account_type:
type: string
enum:
- bank_account
- vpa
- card
- wallet
bank_account:
type: object
properties:
name:
type: string
ifsc:
type: string
account_number:
type: string
vpa:
type: object
properties:
address:
type: string
card:
type: object
description: Requires PCI DSS compliance
properties:
name:
type: string
number:
type: string
expiry_month:
type: string
expiry_year:
type: string
input_type:
type: string
enum:
- razorpay_token
- service_provider_token
- raw
token_id:
type: string
token:
type: string
wallet:
type: object
description: Required when account_type=wallet (Amazon Pay only)
properties:
provider:
type: string
enum:
- amazonpay
phone:
type: string
description: 10-digit phone with country code (mandatory)
email:
type: string
name:
type: string
minLength: 4
maxLength: 120
responses:
'200':
description: Fund account created
content:
application/json:
schema:
$ref: '#/components/schemas/FundAccount'
'400':
$ref: '#/components/responses/400'
'401':
$ref: '#/components/responses/401'
'429':
$ref: '#/components/responses/429'
'500':
$ref: '#/components/responses/500'
get:
operationId: listFundAccounts
summary: List fund accounts
tags:
- X Fund Accounts
parameters:
- name: contact_id
in: query
schema:
type: string
description: Filter by contact ID to list fund accounts linked to that contact.
- name: account_type
in: query
schema:
type: string
description: 'Filter by fund account type: `bank_account`, `vpa`, `card`, or `wallet`.'
- name: count
in: query
schema:
type: integer
default: 10
description: 'Number of fund accounts to return. Default: 10. Maximum: 100.'
- name: skip
in: query
schema:
type: integer
default: 0
description: 'Number of fund accounts to skip. Use for pagination. Default: 0.'
responses:
'200':
description: List of fund accounts
content:
application/json:
schema:
type: object
properties:
entity:
type: string
enum:
- collection
count:
type: integer
items:
type: array
items:
$ref: '#/components/schemas/FundAccount'
'400':
$ref: '#/components/responses/400'
'401':
$ref: '#/components/responses/401'
'429':
$ref: '#/components/responses/429'
'500':
$ref: '#/components/responses/500'
description: List fund accounts linked to contacts. Filter by contact ID and/or account type.
/fund_accounts/{fund_account_id}:
parameters:
- name: fund_account_id
in: path
required: true
schema:
type: string
description: Unique identifier of the fund account (e.g. `fa_00000000000001`).
get:
operationId: fetchFundAccount
summary: Fetch a fund account
tags:
- X Fund Accounts
responses:
'200':
description: Fund account details
content:
application/json:
schema:
$ref: '#/components/schemas/FundAccount'
'400':
$ref: '#/components/responses/400'
'401':
$ref: '#/components/responses/401'
'429':
$ref: '#/components/responses/429'
'500':
$ref: '#/components/responses/500'
'404':
$ref: '#/components/responses/404'
description: Fetch details of a specific fund account by its ID.
patch:
operationId: activateDeactivateFundAccount
summary: Activate or deactivate a fund account
tags:
- X Fund Accounts
requestBody:
required: true
content:
application/json:
schema:
type: object
required:
- active
properties:
active:
type: boolean
responses:
'200':
description: Updated fund account
content:
application/json:
schema:
$ref: '#/components/schemas/FundAccount'
'400':
$ref: '#/components/responses/400'
'401':
$ref: '#/components/responses/401'
'429':
$ref: '#/components/responses/429'
'500':
$ref: '#/components/responses/500'
description: Activate or deactivate a fund account. Fund account details are immutable — only the `active` status can be changed.
components:
responses:
'404':
description: Resource not found.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'400':
description: Bad request. Invalid parameters or missing required fields.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'401':
description: Authentication failed. Invalid or missing API key credentials.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'500':
description: Internal server error.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'429':
description: Rate limit exceeded. Implement exponential backoff with jitter before retrying.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
schemas:
FundAccount:
type: object
description: Payout destination linked to a Contact. Immutable after creation.
properties:
id:
type: string
description: Fund account ID (fa_*)
entity:
type: string
enum:
- fund_account
contact_id:
type: string
account_type:
type: string
enum:
- bank_account
- vpa
- card
- wallet
active:
type: boolean
batch_id:
type: string
bank_account:
type: object
properties:
ifsc:
type: string
bank_name:
type: string
name:
type: string
account_number:
type: string
vpa:
type: object
properties:
username:
type: string
handle:
type: string
address:
type: string
card:
type: object
properties:
last4:
type: string
network:
type: string
type:
type: string
issuer:
type: string
input_type:
type: string
enum:
- razorpay_token
- service_provider_token
- raw
created_at:
type: integer
wallet:
type: object
description: Amazon Pay wallet details. Required when account_type=wallet.
properties:
provider:
type: string
enum:
- amazonpay
phone:
type: string
description: 10-digit phone with country code, e.g. +919876543210
email:
type: string
format: email
name:
type: string
minLength: 4
maxLength: 120
description: 'Wallet holder name. Case-sensitive. Supported: a-z, A-Z, 0-9, space, '', -, _, /, (, ), .'
Error:
type: object
properties:
error:
type: object
properties:
code:
type: string
description: 'Error code. Examples: BAD_REQUEST_ERROR, GATEWAY_ERROR, SERVER_ERROR.'
description:
type: string
source:
type: string
description: Where the error originated (e.g. business, gateway).
step:
type: string
reason:
type: string
description: 'Machine-readable reason. Examples: insufficient_funds, invalid_expiry_date, declined_by_bank.'
metadata:
type: object
field:
type: string
securitySchemes:
basicAuth:
type: http
scheme: basic
description: HTTP Basic authentication using your Razorpay API key pair. Use key_id as the username and key_secret as the password. Encode as Base64(key_id:key_secret). Keys are environment-scoped (Test vs Live). Obtain keys at https://dashboard.razorpay.com/app/keys. Keys are case-sensitive.
oauth2:
type: oauth2
description: OAuth 2.0 via the Razorpay MCP server (mcp.razorpay.com). Supports Authorization Code with PKCE (S256) for user-delegated access and Client Credentials for server-to-server access. Tokens expire in 3600 seconds. Dynamic Client Registration available at the registration endpoint. For integration setup see https://razorpay.com/docs/build/llm-docs/mcp-server/oauth.md.
flows:
authorizationCode:
authorizationUrl: https://mcp.razorpay.com/authorize
tokenUrl: https://mcp.razorpay.com/token
refreshUrl: https://mcp.razorpay.com/token
scopes:
read_only: Read-only access to Razorpay account data (payments, orders, refunds, payouts, subscriptions, invoices)
clientCredentials:
tokenUrl: https://mcp.razorpay.com/token
scopes:
read_only: Read-only access to Razorpay account data (payments, orders, refunds, payouts, subscriptions, invoices)
externalDocs:
description: Razorpay API Documentation
url: https://razorpay.com/docs/api/
x-tagGroups:
- name: Core Payments
tags:
- Orders
- Payments
- Refunds
- Payment Downtimes
- name: Payment Collection
tags:
- Payment Links
- QR Codes
- name: Billing & Subscriptions
tags:
- Items
- Invoices
- Plans
- Subscriptions
- name: Customer Management
tags:
- Customers
- Documents
- name: Finance & Reconciliation
tags:
- Settlements
- Instant Settlements
- Disputes
- name: Route & Marketplace
tags:
- Linked Accounts
- Transfers
- name: Smart Collect
tags:
- Virtual Accounts
- name: Partners & Onboarding
tags:
- Partner Accounts
- Partner Products
- Partner Stakeholders
- Partner Documents
- Partner Webhooks
- name: Bills
tags:
- Bills
- name: RazorpayX
tags:
- X Contacts
- X Fund Accounts
- X Account Validation
- X Banking Balances
- X Payouts
- X Payout Links
- X Transactions
x-rateLimit:
description: Razorpay does not publish specific rate limits. If you receive HTTP 429, implement exponential backoff with jitter and retry. Add randomisation to avoid thundering-herd effects.
throttleStatus: 429
strategy: exponential backoff with jitter
x-pagination:
description: All list endpoints return at most 100 records per call (1000 for settlement recon). Use count and skip together to paginate. Date range filters (from/to) use Unix timestamps in seconds.
example: GET /payments?from=1700000000&to=1700086400&count=100&skip=100
x-amountEncoding:
description: 'All monetary amounts are in the smallest currency sub-unit. For INR: 1 rupee = 100 paise, so ₹500 = 50000. Minimum for INR is 100 paise (₹1). Three-decimal currencies (KWD, BHD, OMR): drop last decimal digit. Zero-decimal currencies (JPY): pass value as-is.'