Razorpay

Razorpay is India's leading full-stack payments and business banking platform, enabling merchants to accept, process, and disburse payments across cards, UPI, netbanking, wallets, EMI, and BNPL through a single integration. Its developer platform exposes a fully RESTful API at https://api.razorpay.com/v1 (with select v2 resources) returning JSON, secured by HTTP Basic authentication using a key_id and key_secret pair. Beyond core payment processing, Razorpay offers payment links, hosted pages, subscriptions, smart routing, refunds, settlements, payouts via RazorpayX, and KYC-driven onboarding.

Razorpay publishes 6 API contracts indexed on the APIs.io network, including Core REST API, Webhooks, Orders API, and 3 more. Tagged areas include Payments, Payment Gateway, Fintech, India, and UPI.

The Razorpay catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Razorpay’s developer surface includes sandbox, changelog, authentication, documentation, API reference, pricing, signup flow, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

52.4/100 developing ▬ flat Agent 27/100 agent aware Front door AI 5/6 prominent Heartbeat 90/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Payments Payment Gateway Fintech India UPI Subscription Payouts Checkout A2A Payment Processing

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Financial Management

BC-200

Payments

POST /payments/{id}/capture

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 52.4/100 · developing

Contract Quality 10.2 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 10.7 / 15

Operational Transparency 5.4 / 10

Contract Governance 1.0 / 9

Discoverability 4.3 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 8 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/razorpay/"><img src="https://apis.io/badge/razorpay/card.svg" alt="Razorpay on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 54.5 — up to +11.4 composite points
Contract Governance scores 11.4 — up to +10.6 composite points
Developer Ergonomics scores 47.6 — up to +10.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/razorpay/apis.yml: open an issue on github.com/api-evangelist/razorpay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Commerce Platform Ecosystems (Shopify, WooCommerce, Stripe Apps)	builds-on	44.5	-	2
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	builds-on	44.5	-	2
MACH & Headless Commerce	builds-on	44.5	-	2
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	builds-on	44.5	-	2
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	builds-on	44.5	-	2
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	builds-on	44.5	-	2
Official SDKs on Packagist, pub.dev and Hex	builds-on	44.5	-	2

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 5

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Agent2Agent

measured — observed by APIs.io (flavored)

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

AsyncAPI

measured — observed by APIs.io (published)

Postman Collections

measured — observed by APIs.io (published)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Razorpay Core REST API

RESTful API covering orders, payments, refunds, customers, tokens, invoices, payment links, virtual accounts, settlements, transfers, subscriptions, and webhooks. Authentication...

Razorpay Payments API

Subset of the core REST API focused on creating orders, capturing authorized payments, fetching payment details, issuing refunds, and retrieving transfers for split settlements ...

Razorpay Webhooks

Event-driven webhook surface that POSTs JSON payloads to a merchant-configured HTTPS endpoint when subscribed events occur across payments, orders, refunds, subscriptions, invoi...

Razorpay Orders API

The Orders API from Razorpay — 3 operation(s) for orders.

Razorpay Payments API

The Payments API from Razorpay — 6 operation(s) for payments.

Razorpay Refunds API

The Refunds API from Razorpay — 2 operation(s) for refunds.

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Razorpay Core REST Orders API

OPEN COLLECTION

Razorpay Core REST Orders Payments API

OPEN COLLECTION

Razorpay Core REST Orders Refunds API

OPEN COLLECTION

Razorpay Core REST API

OPEN COLLECTION

Razorpay API pricing

Prices published by Razorpay, read 2026-10-28 from razorpay.com/us/pricing/.

Plan	Price
Standard Plan	2.70% + $0.30 per card transaction Includes: No setup fees, pay only for successful transactions
Custom Plan	Contact sales for a tailored plan. Includes: Volume-based discounts
Enterprise Plan	Contact Sales for custom pricing and dedicated support. Includes: For businesses processing $12M+ annually
International/Non-US cards	+1.2% on top of the card rate per transaction
ACH direct debit	0.5% per transaction, capped at $5
One-time setup fee	$0 (No cost)
ACH Return fee	$5 per return
Dispute fee	$10 per dispute

All 9 plans, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Razorpay Plans Pricing

9 plans

PLANS

Razorpay Price Estimates

0 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Razorpay

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Razorpay Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Razorpay Webhooks

AsyncAPI description of Razorpay's webhook surface. Razorpay POSTs JSON event payloads to a merchant-configured webhook URL whenever a subscribed event occurs (payments, orders,...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Razorpay — asyncapi rules

7 rules · 1 errors 6 warnings

SPECTRAL

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Razorpay Authentication

http · 1 scheme

SECURITY

Razorpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Razorpay Vulnerability Disclosure

no policy recorded

SECURITY

Razorpay Trust Center

PCI DSS, ISO 27001, SOC 2

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Razorpay Scopes

5 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Razorpay Agentic Access

15 operations · 6 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Signup

Signup

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Components

Components

DataModel

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

GitHub

GitHub

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

TrustCenter

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

Pricing

Pricing

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

AgentCard

AgentCard

Dashboard

Dashboard

Source (apis.yml)

aid: razorpay
name: Razorpay
description: Razorpay is India's leading full-stack payments and business banking platform, enabling merchants to accept,
  process, and disburse payments across cards, UPI, netbanking, wallets, EMI, and BNPL through a single integration. Its developer
  platform exposes a fully RESTful API at https://api.razorpay.com/v1 (with select v2 resources) returning JSON, secured by
  HTTP Basic authentication using a key_id and key_secret pair. Beyond core payment processing, Razorpay offers payment links,
  hosted pages, subscriptions, smart routing, refunds, settlements, payouts via RazorpayX, and KYC-driven onboarding.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Payment Gateway
- Fintech
- India
- UPI
- Subscription
- Payouts
- Checkout
- A2A
- Payment Processing
tags_raw:
- Payments
- Payment Gateway
- Fintech
- India
- UPI
- Subscriptions
- Payouts
- Checkout
- A2A
- Payment Processing
url: https://raw.githubusercontent.com/api-evangelist/razorpay/refs/heads/main/apis.yml
created: '2026-05-11'
modified: '2026-05-30'
specificationVersion: '0.23'
apis:
- aid: razorpay:core-api
  name: Razorpay Core REST API
  description: RESTful API covering orders, payments, refunds, customers, tokens, invoices, payment links, virtual accounts,
    settlements, transfers, subscriptions, and webhooks. Authentication is HTTP Basic using the API key_id as username and
    key_secret as password; all endpoints return JSON and follow standard HTTP semantics.
  humanURL: https://razorpay.com/docs/api/
  baseURL: https://api.razorpay.com/v1
  tags:
  - Payments
  - REST API
  - Basic Auth
  - JSON
  properties:
  - type: Documentation
    url: https://razorpay.com/docs/api/
  - type: Authentication
    url: https://razorpay.com/docs/api/authentication/
  - type: PostmanCollection
    url: https://www.postman.com/razorpaydev/razorpay-public-workspace/overview
  - type: Webhooks
    url: https://razorpay.com/docs/webhooks/
  - type: ErrorCodes
    url: https://razorpay.com/docs/errors/
- aid: razorpay:payments-api
  name: Razorpay Payments API
  description: Subset of the core REST API focused on creating orders, capturing authorized payments, fetching payment details,
    issuing refunds, and retrieving transfers for split settlements between linked accounts.
  humanURL: https://razorpay.com/docs/api/payments/
  baseURL: https://api.razorpay.com/v1
  tags:
  - Payments
  - Order
  - Refunds
  tags_raw:
  - Payments
  - Orders
  - Refunds
  properties:
  - type: Documentation
    url: https://razorpay.com/docs/api/payments/
- aid: razorpay:webhooks
  name: Razorpay Webhooks
  description: Event-driven webhook surface that POSTs JSON payloads to a merchant-configured HTTPS endpoint when subscribed
    events occur across payments, orders, refunds, subscriptions, invoices, settlements, Smart Collect virtual accounts, payment
    links, Route transfers, disputes, and payment downtime advisories. Each delivery is signed with an HMAC-SHA256 hex digest
    of the raw request body using the merchant's webhook secret, transmitted via the X-Razorpay-Signature header.
  humanURL: https://razorpay.com/docs/webhooks/
  tags:
  - Webhook
  - Event
  - AsyncAPI
  - HMAC-SHA256
  tags_raw:
  - Webhooks
  - Events
  - AsyncAPI
  - HMAC-SHA256
  properties:
  - type: Documentation
    url: https://razorpay.com/docs/webhooks/
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/razorpay/refs/heads/main/asyncapi/razorpay-webhooks-asyncapi.yml
  - type: SignatureValidation
    url: https://razorpay.com/docs/webhooks/validate-test/
  - type: EventPayloads
    url: https://razorpay.com/docs/webhooks/payloads/
- aid: razorpay:razorpay-orders-api
  name: Razorpay Orders API
  description: The Orders API from Razorpay — 3 operation(s) for orders.
  humanURL: https://razorpay.com/docs/api/
  baseURL: https://api.razorpay.com/v1
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/razorpay-orders-api-openapi.yml
- aid: razorpay:razorpay-payments-api
  name: Razorpay Payments API
  description: The Payments API from Razorpay — 6 operation(s) for payments.
  humanURL: https://razorpay.com/docs/api/
  baseURL: https://api.razorpay.com/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/razorpay-payments-api-openapi.yml
- aid: razorpay:razorpay-refunds-api
  name: Razorpay Refunds API
  description: The Refunds API from Razorpay — 2 operation(s) for refunds.
  humanURL: https://razorpay.com/docs/api/
  baseURL: https://api.razorpay.com/v1
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/razorpay-refunds-api-openapi.yml
common:
- type: Plans
  url: plans/razorpay-plans-pricing.yml
- type: CapabilityMap
  url: capabilities/razorpay-capability-edges.yml
  name: Razorpay Business Capability Map
- type: AgentCard
  url: a2a/razorpay-a2a.yml
  name: A2A Agent Card
  description: Agent Card served at /.well-known/agent-card.json (flavored against A2A 1.0.0).
- type: AgenticAccess
  url: agentic-access/razorpay-agentic-access.yml
- type: Sandbox
  url: sandbox/razorpay-sandbox.yml
- type: Conventions
  url: conventions/razorpay-conventions.yml
- type: ChangeLog
  url: changelog/razorpay-changelog.yml
- type: Components
  url: components/razorpay-components.yml
- type: DataModel
  url: data-model/razorpay-data-model.yml
- type: DeclineCodes
  url: errors/razorpay-decline-codes.yml
- type: TrustCenter
  url: security/razorpay-trust-center.yml
- type: OAuthScopes
  url: scopes/razorpay-scopes.yml
- type: VulnerabilityDisclosure
  url: security/razorpay-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/razorpay-domain-security.yml
- type: Authentication
  url: authentication/razorpay-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/razorpay
- type: Website
  url: https://razorpay.com
- type: Documentation
  url: https://razorpay.com/docs/
- type: APIReference
  url: https://razorpay.com/docs/api/
- type: Pricing
  url: https://razorpay.com/pricing/
- type: Signup
  url: https://dashboard.razorpay.com/signup
- type: Dashboard
  url: https://dashboard.razorpay.com
- type: Support
  url: https://razorpay.com/support/
- type: StatusPage
  url: https://status.razorpay.com
- type: GitHub
  url: https://github.com/razorpay
- type: Blog
  url: https://razorpay.com/blog/
features:
- name: Payment Gateway
  description: Accept payments via cards, UPI, netbanking, wallets, EMI, and pay-later methods through a hosted Checkout,
    Standard SDK, or Custom integration.
- name: Payment Links and Pages
  description: Create shareable payment links and no-code hosted pages for collecting payments without a website or app.
- name: Subscriptions
  description: Recurring billing with plans, add-ons, and automated retries supporting cards, UPI Autopay, and e-mandate.
- name: RazorpayX Payouts
  description: Business banking API for outgoing payments via IMPS, NEFT, RTGS, UPI, and card to bank, vendor, and employee
    payouts.
- name: Smart Collect
  description: Virtual accounts and UPI IDs for receiving and reconciling B2B bank-transfer collections automatically.
- name: Webhooks
  description: Subscribe to events such as payment.captured, order.paid, refund.processed, and subscription.charged for real-time
    event-driven integrations.
solutions:
- name: E-commerce Checkout
  description: Drop-in Checkout integration accepting all popular Indian payment methods with optimized conversion and one-tap
    UPI flows.
- name: SaaS Subscriptions
  description: Recurring billing for Indian and international subscribers with UPI Autopay, e-mandate, and international cards.
- name: Marketplace Payments
  description: Route, split, and settle funds across linked accounts using Razorpay Route for marketplaces and platforms.
useCases:
- name: Accepting Online Payments
  description: Add card, UPI, netbanking, wallet, and EMI acceptance to a website or mobile app with a single integration.
- name: Recurring Billing
  description: Charge customers on a recurring cadence using saved cards or UPI Autopay mandates with automatic retries on
    failure.
- name: Vendor and Payroll Payouts
  description: Send instant IMPS/UPI payouts to vendors, freelancers, and employees via the RazorpayX business banking API.
integrations:
- name: Shopify
  description: Razorpay payments app for Shopify checkout in India
- name: WooCommerce
  description: Official WooCommerce plugin for Razorpay payments
- name: Magento
  description: Magento 1 and 2 extensions for Razorpay
- name: Zoho
  description: Razorpay integrations across Zoho Books, Invoice, and Subscriptions
- name: Tally
  description: Reconcile Razorpay settlements into Tally accounting
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Razorpay API — frequently asked questions

Does Razorpay have an API?

Yes. APIs.io lists 6 APIs from Razorpay, including Razorpay Core REST API, Razorpay Payments API and Razorpay Webhooks, and 3 more.

Is there an OpenAPI specification for the Razorpay API?

Yes. APIs.io indexes 3 OpenAPI specifications for Razorpay, each linked for download from this page.

How do I authenticate with the Razorpay API?

Razorpay uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Razorpay Authentication.

How much does the Razorpay API cost?

Razorpay publishes its prices; its Standard Plan plan is 2.70% + $0.30 per card transaction as of 2026-10-28. APIs.io lists 9 pricing plans for Razorpay, with each plan's price, limits and inclusions under Pricing on this page.

Is the Razorpay API ready for AI agents?

Razorpay has a Kin Score of 52.4 out of 100 (developing) and an Agent Readiness score of 26.8 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/razorpay"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/razorpay/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/razorpay/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.