Your Own Razorpay Account vs Relaycial Payments: Which is Right for Your Brand?

Indian e-commerce merchants have unique requirements when it comes to financial settlements. Most international platforms impose a rigid fee structure that takes a percentage of every sale regardless of whether the merchant has their own payment gateway relationship.

Option A: Your Own Razorpay Account (0% Relaycial Commission)

If you have an active Razorpay business account with your company GSTIN, you can simply connect your Razorpay account in your Relaycial store dashboard. In this mode:

• 100% of customer payments settle directly into your bank account on your standard T+2 schedule.
• Relaycial charges 0% commission on your sales — you only pay your flat monthly plan.
• You maintain full control over custom payment methods (EMIs, PayLater, corporate cards).

Option B: Relaycial Payments (3% Online Fee)

For early-stage startups and boutique creators who do not yet have a formal merchant gateway setup, Relaycial provides ready-to-use online payments with zero paperwork needed on day one. You can switch to your own Razorpay account at any point as your volume grows.