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A Payment Gateway focuses on securing the sensitive information given by the user throughout the process. It ensures security by encrypting data like card and bank details provided by the user.

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Payment Gateway Workflow

Given below is a complete end-to-end flow about how you can use Razorpay Payment Gateway. Payment Gateway Flow
A customer visits your website or app, selects items they want to purchase and clicks the pay button to place an order. For each order placed by your customer, you create a transaction_id or checkout_id on your server for your reference. For example, #trn-345.
For each order placed by your customer, use the Razorpay Orders API to create an order from your server.
Razorpay processes the details sent and returns an order_id to you, for example, order_EKwxwAgItmmXdp. Map this order_id to the transaction_id #trn-345 you created in the first step. Know more about order states.
Pass the order_id returned by Razorpay to your integration. This invokes the Razorpay Checkout, the client-side UI, which displays various payment methods.
The customer selects a payment option to complete the payment. The payment details entered by the customer are secured and stored by Razorpay as tokens. The generated tokens are exchanged with your servers for further use.
Razorpay sends an authentication request to the customer’s bank internally. After authentication, Razorpay is authorised to deduct the amount from the customer’s bank account.For successful payments, the Checkout returns the razorpay_order_id, razorpay_payment_id and razorpay_signature.Know more about payment states.

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Payment Capture and Settlement

Once your customer completes the payment and Razorpay authenticates it, you must capture it automatically or manually. You can also verify the payment signature to ensure that the payment is received from an authentic source. Know more about payment capture settings. After the payment is successfully captured, the amount is settled in your account according to your settlement cycle. Know more about settlements.

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Refunds

Customers may claim refunds after the transaction. In such cases, you can initiate a refund, post which the funds are sent back to the customer’s account.

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Test Card

You can use the test cards to test payments. Know more about Test Card details.

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Next Step

Get started with Razorpay Payment Gateway integration.