Linked Accounts

Use Linked Accounts to split payments between multiple third-parties, bank accounts and vendors. Add Linked Accounts and provide them access to issue refunds, view reversals and settlements and manage their profile.

Businesses need to distribute payments across multiple recipients - marketplaces paying sellers, platforms sharing revenue with partners or companies managing vendor payments. Manual fund transfers and reconciliation create operational complexity.

Razorpay Route automates this through Linked Accounts, splitting payments between multiple recipients while giving you central control and each recipient self-service capabilities.

What are Linked Accounts

Linked Accounts are dedicated entities within your Route setup that receive a portion of incoming funds. Each Linked Account:

• Receives funds based on your split payment configuration.
• Has a unique account_id for API integration and tracking.
• Can access a dedicated dashboard for self-service operations.
• Processes refunds using available balance.

Features

For You (Primary Account)

• Split Payments: Automatically divide incoming funds between multiple recipients.
• Central Management: Handle settlements, refunds and reconciliations for all Linked Accounts.
• Access Control: Grant or revoke dashboard permissions for each Linked Account.
• Complete Visibility: Track all fund movements, transfers and operations.

For Linked Account Users

• Process individual and bulk refunds.
• View reversals and settlements.
• Manage profile and team members.

Add Linked Accounts

Contact our Support team to create Linked Accounts for your business.

Settlement Timing: Linked Account settlements take 2 working days, regardless of your primary settlement schedule.

Required Information

Provide these details when creating a Linked Account:

Primary Details

• Linked Account name
• Contact number
• Email address (required for dashboard access)

Bank Details

• Account number
• Account type
• Bank name
• Beneficiary name

Manage Linked Account Access

Dashboard Access

Grant dashboard access to allow Linked Account users to manage their own operations:

1. Log in to the Dashboard.
2. Select Route and navigate to the Accounts.
3. Find the relevant Linked Account and enable Dashboard Access.

The Linked Account user receives login credentials via email and can access their dedicated dashboard.

Access Requirements

• While you can create a Linked Account without adding their email, you cannot grant them Dashboard access. The access can be granted or provided only after you add the email address of the Linked Account.
• As a Linked Account user, you cannot access the Linked Account Dashboard unless the primary account owner adds you as a team member from their Linked Account Dashboard.

Refund Capabilities

Due to government regulations, in certain cases, the Linked Accounts need to directly process refunds to customers. You can enable refunds capability while adding a new account.

To enable refunds capability for an existing account:

1. Navigate to the Accounts tab.
2. Turn on the Allow Refunds toggle against the relevant account.

Export Account Data

Download complete account information in CSV format:

• Click Export All (CSV) from the Accounts tab
• Includes all account details, settlement history, and configuration

Related Information

• Route Overview
• Processing Refunds
• Settlements and Reversals
• Profile Management
• Route APIs