# Razorpay

**Canonical:** https://apis.io/providers/razorpay/  
**Website:** https://razorpay.com  
**APIs profiled:** 6

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.

## Kin Score — 45.7 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.7).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 61.1 |
| Governance | 11.4 |
| Contract Governance | 11.4 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 42.9 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Payments**: 51.6 (matched via tags).

## Agent readiness — 34.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | flavored |
| Dry Run Mode | no |

## APIs (6)

- **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.

## Agentic access (1)

- **Razorpay Agentic Access** — 15 operations · 6 acting

## Security (4)

- **Razorpay Authentication** — http · 1 scheme
- **Razorpay Domain Security** — TLSv1.3 · HSTS · DMARC
- **Razorpay Vulnerability Disclosure** — disclosure policy published
- **Razorpay Trust Center** — PCI DSS, ISO 27001, SOC 2

## Tags

Payments, Payment Gateway, Fintech, India, UPI, Subscription, Payouts, Checkout

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/razorpay/). Scores are computed from the provider's own public artifacts under a published rubric.