After you complete your payment KYC, your SmartBiz store becomes eligible to accept online payments through Razorpay. This article explains which payment modes get activated, how you can manage payments, issue refunds, and view transactions.
What’s in this article
Payment modes activated after KYC
Cash on Delivery (COD) availability
Accessing your Razorpay Dashboard (Desktop & Mobile)
Online payment transaction fees
How to issue customer refunds
Where to view your payment transactions
FAQs
1. Payment Modes Activated After Completing KYC
Once your KYC is approved, your online store automatically enables the following Razorpay payment modes:
UPI (Google Pay, PhonePe, Paytm, etc.)
Debit & Credit Cards (Visa, Mastercard, RuPay, Amex, Discover)
Net Banking
Wallets (Paytm, Mobikwik, etc.)
Applicable wallet offers, if any
You do not need to manually enable these modes.
2. Cash on Delivery (COD)
Yes, customers can pay via Cash on Delivery.
To enable/disable COD or add COD charges, refer to the help article:
Enable Cash on Delivery (COD)
3. How to Access Your Razorpay Dashboard
You can access the Razorpay dashboard from both Desktop App and Mobile App once your Razorpay account is linked to SmartBiz.
From Desktop App
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Login to SmartBiz Desktop
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Go to Settings
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Click Payments
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Click Razorpay Dashboard
From Mobile App
Open SmartBiz Mobile App
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Go to Profile
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Click on Payments
Click on Razorpay Dashboard
4. Transaction Fees for Online Payments
Razorpay charges depend on the payment method used by the customer.
For the full fee table, see the article: Razorpay Transaction Fees
5. How to Refund a Customer (via Razorpay Dashboard)
All refunds must be initiated from Razorpay Dashboard, not from SmartBiz.
Steps to Issue a Refund
Login to Razorpay Dashboard
Click Transactions on the left menu
Go to the Payments tab
Search by Payment ID / Order ID / Customer details
Open the payment and click Details
Choose Issue Refund
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Select one of the following:
Instant Refund (extra fee)
Standard Refund (takes 5–7 business days)
Enter amount if issuing a partial refund
Confirm to complete the refund
Instant Refund Charges
| Refund Amount Range | Instant Refund Fee (₹) |
|---|---|
| Up to 1,000 | 7.99 |
| 1,000–25,000 | 11.99 |
| Above 25,000 | 14.99 |
6. Where to View Your Payment Transactions
Steps to View All Payments
Login to Razorpay Dashboard
Click Transactions
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View:
Collected Amount (paid but not settled yet)
Payment Method
Order-wise payment details
You can download reports or filter by date, payment method, status, etc.
7. FAQs
1. Why don’t I see online payments on my store yet?
Your KYC might still be under review. Online payments appear only after Razorpay verifies your account.
2. My customer paid online, but the order shows pending—why?
This may happen if Razorpay takes a few minutes to confirm the payment.
Wait 5–10 minutes and refresh. If still pending, check:
Razorpay Dashboard for payment status
Internet connectivity
Whether customer used a failed or expired payment link
3. Where do settlements go?
Settlements are deposited directly into the bank account you provided during KYC.
4. Can I refund an order without the customer asking?
Yes. You can initiate refunds anytime from the Razorpay Dashboard.
5. What if Instant Refund fails?
Razorpay will automatically fallback to Standard Refund, and the Instant Refund charge will not apply.
6. Does SmartBiz charge extra for online payments?
No. Only Razorpay transaction fees apply.
7. Can I download a statement of all payments?
Yes. Razorpay Dashboard → Reports → Download monthly or custom reports.