> ## Documentation Index
> Fetch the complete documentation index at: https://doc-test-my.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 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

<Tabs>
  <Tab title="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.
  </Tab>

  <Tab title="For Linked Account Users">
    * [Process individual and bulk refunds](/docs/payments/route/linked-account/initiate-refund).
    * [View reversals and settlements](/docs/payments/route/linked-account/reversals-settlements).
    * [Manage profile and team members](/docs/payments/route/linked-account/manage-profile).
  </Tab>
</Tabs>

## Add Linked Accounts

Contact our [Support team](https://curlec.com/support/) 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:

<Tabs>
  <Tab title="Primary Details">
    * Linked Account name
    * Contact number
    * Email address (required for dashboard access)
  </Tab>

  <Tab title="Bank Details">
    <ul>
      <li>Account number</li>
      <li>Account type</li>

      <li>Bank name</li>
      <li>Beneficiary name</li>
    </ul>
  </Tab>
</Tabs>

## Manage Linked Account Access

<AccordionGroup>
  <Accordion title="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**.
           <img src="https://curlec.com/docs/build/browser/assets/images/allow-dashboard-access-la.jpg" alt="Grant Dashboard access to linked accounts" width="800" />

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

    <Warning>
      **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.
              <img src="https://curlec.com/docs/build/browser/assets/images/route-la-email.jpg" alt="Grant Dashboard access to linked accounts" width="800" />
      * 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.
    </Warning>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="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.
           <img src="https://curlec.com/docs/build/browser/assets/images/permit-refund-la.jpg" alt="Grant refund access to linked accounts" width="800" />
  </Accordion>
</AccordionGroup>

## 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](/docs/payments/route)
* [Processing Refunds](/docs/payments/route/linked-account/initiate-refund)
* [Settlements and Reversals](/docs/payments/route/linked-account/reversals-settlements)
* [Profile Management](/docs/payments/route/linked-account/manage-profile)
* [Route APIs](/docs/api/payments/route)