Key takeaways
- RazorpayX pays Indian affiliates directly to a bank account (IMPS/NEFT) or a UPI VPA, with programmatic payout APIs Afflio drives for you.
- Collect each partner's payout details — account number and IFSC, or a UPI ID — during onboarding so they're on file before the first payout.
- Payouts fire only after a commission clears its window and the batch is approved, so refunded conversions don't get paid.
- IMPS clears in near real time; NEFT settles in batches, which matters when you pick a payout schedule.
- Keep your RazorpayX balance funded ahead of each payout run, since payouts draw from that balance.
RazorpayX is the rail most Afflio programs reach for when their partners are in India. It moves money straight to a bank account over IMPS or NEFT, or to a UPI virtual payment address, and it exposes payout APIs so the whole thing runs without anyone logging into a banking portal. This guide walks through connecting it, collecting the right details from partners, and running payouts that don't pay out on conversions that later get refunded.
How do RazorpayX payouts work in Afflio?
RazorpayX payouts in Afflio draw from your funded RazorpayX balance and send money to a partner's bank account or UPI ID once an approved commission is ready to pay. Afflio holds each partner's payout details, generates commissions from your campaign rules, waits out the clearing window, and — on approval — calls the payout API so the transfer leaves your balance and lands in the partner's account.
The practical upshot is that you never copy account numbers into a banking interface. The partner's details live on their record, the commission amount comes from attributed conversions, and the payout is one approval away from being dispatched.
What do I need to connect RazorpayX?
You need a RazorpayX account and its API credentials configured in your Afflio workspace. Once those are in place, the payout method becomes available to assign to partners.
- Create or use an existing RazorpayX business account and complete its verification.
- Add your RazorpayX API key and secret to the Afflio workspace payout settings.
- Fund the RazorpayX balance — payouts deduct from it, so an empty balance means failed transfers.
- Enable RazorpayX as a payout method so partners can be paid through it.
What payout details should partners provide?
Partners need to give you either bank account details or a UPI ID, depending on how they want to be paid. Collect this during onboarding so nothing blocks the first payout.
- Bank transfer (IMPS/NEFT): account holder name, account number, and IFSC code.
- UPI: a valid virtual payment address (VPA), e.g. name@bank.
- A confirmed name match — the payout name should match the account holder to avoid rejected transfers.
IMPS vs NEFT timing
IMPS transfers clear almost instantly and run around the clock, which is why they're the default for ad-hoc payouts. NEFT settles in periodic batches and can take longer. If you promise partners same-day payouts, lean on IMPS; if you batch monthly, the difference rarely matters.
How do I run a payout batch?
A payout batch turns approved commissions into actual transfers. The flow keeps a human (or a rule) in the loop before money moves:
- Commissions accrue from attributed conversions under your campaign rules.
- Each commission clears its attribution and refund window so reversed sales drop out.
- Eligible commissions that meet the minimum threshold are grouped into a payout batch.
- You review and approve the batch.
- Afflio calls RazorpayX to dispatch each payout to the partner's bank account or UPI ID.
- Statuses update as transfers settle, and partners can see their payout on their dashboard.
The point of a payout rail is to disappear. When commissions clear, get approved, and land in partners' accounts without anyone touching a banking portal, payouts stop being a monthly chore.
What can go wrong, and how do I avoid it?
Most RazorpayX payout failures trace back to three causes: an underfunded balance, mismatched or invalid account details, and trying to pay before a commission has cleared. Keep the balance topped up ahead of each run, validate IFSC and VPA formats at the point of collection, and let the clearing window do its job before approving a batch. Watch the payout status on each transfer so any rejections surface quickly and can be retried with corrected details.
Can RazorpayX pay affiliates by UPI as well as bank transfer?
Yes. RazorpayX supports payouts to a bank account via IMPS/NEFT and to a UPI virtual payment address. In Afflio you collect whichever the partner prefers during onboarding, and payouts route accordingly.
Why did a RazorpayX payout fail?
The most common reasons are an underfunded RazorpayX balance, incorrect bank details (wrong account number or IFSC) or an invalid UPI ID, and a name mismatch on the account. Fund the balance, validate details at collection, and retry the failed transfer with corrected information.
When does Afflio actually dispatch a RazorpayX payout?
Only after the commission clears its attribution and refund window and the payout batch is approved. This ensures conversions that get refunded or reversed don't result in a payout.