Payment Gateway Setup

Overview

Connect a payment gateway to ZenTraq to accept online payments for invoices. Money goes directly to your bank account — ZenTraq just tracks the transactions.

Supported Gateways

Gateway	Region	Features
Razorpay	India	UPI, Cards, NetBanking, Wallets
Stripe	Global	Cards, Bank transfer, Wallets
PayPal	Global	PayPal balance, Cards

Razorpay Setup

Prerequisites

1. Razorpay account at razorpay.com
2. Business KYC verified on Razorpay
3. Bank account linked and verified

Configuration

1. Go to Settings → Payment Gateway
2. Select Razorpay
3. Enter:
   • Key ID — From Razorpay Dashboard → Settings → API Keys
   • Key Secret — Generated with the Key ID
   • Webhook Secret — For payment notifications (optional)
4. Click Test Connection
5. If successful → Save

Getting API Keys from Razorpay

1. Log in to dashboard.razorpay.com
2. Go to Settings → API Keys
3. Click Generate Key
4. Copy both Key ID (starts with rzp_live_ or rzp_test_)
5. Copy Key Secret (shown only once — save it!)

Test vs Live Mode

• Test Mode: Use rzp_test_ keys for testing (no real money)
• Live Mode: Use rzp_live_ keys for real payments
• Switch in Settings → Payment Gateway → Mode toggle

How Payments Work

Customer Flow

1. You create and send an invoice
2. Invoice includes a Pay Online button/link
3. Customer clicks → Razorpay payment page opens
4. Customer pays via UPI/Card/NetBanking
5. Payment confirmed → Invoice auto-marks as "Paid"
6. You and customer receive confirmation

Payment Methods Available (via Razorpay)

• UPI (GPay, PhonePe, Paytm)
• Credit/Debit Cards (Visa, Mastercard, RuPay)
• Net Banking (all major banks)
• Wallets (Paytm, MobiKwik, FreeCharge)
• EMI (on cards above ₹3,000)

Payment Link

For each invoice, ZenTraq generates a payment link:

• Shareable via Email or WhatsApp
• Customer can pay without logging into any portal
• Link expires based on invoice due date
• Partial payment support (pay in installments)

Payment Tracking

In ZenTraq

Every payment shows:

• Amount paid
• Payment method used
• Transaction ID (from gateway)
• Date and time
• Status (Success, Failed, Pending)

On the Invoice

• Payment Status: Unpaid → Partially Paid → Paid
• Amount Paid / Balance Due auto-calculated
• Payment history tab shows all transactions

Automatic Updates

When a payment is received:

• Invoice status changes automatically
• Notification sent to invoice creator
• Activity logged on the customer timeline
• Dashboard revenue updates in real-time

Refunds

Initiating a Refund

1. Open the paid invoice → Click Refund
2. Enter:
   • Refund amount (full or partial)
   • Reason for refund
3. Confirm → Refund processed via Razorpay
4. Invoice status updates to "Refunded" or "Partially Refunded"

Refund Timeline

• UPI refunds: Instant to 3 business days
• Card refunds: 5-7 business days
• Net Banking: 5-10 business days

Webhook Configuration (Auto-Updates)

For automatic payment status updates:

1. In Razorpay Dashboard → Settings → Webhooks
2. Add webhook:
   • URL: https://your-api-domain.com/api/payments/webhook/razorpay
   • Secret: Enter the webhook secret from ZenTraq settings
   • Events: Select:
     • ✅ payment.captured
     • ✅ payment.failed
     • ✅ refund.processed
3. Save

Settlement & Payout

How Settlement Works

• Razorpay settles funds to your bank account
• Default: T+2 business days (received 2 days after payment)
• Can be configured: T+1 or same-day (on eligible plans)
• All money goes to YOUR bank account, not ZenTraq

Commission/Platform Fees

• Razorpay charges per transaction (typically 2%)
• ZenTraq does NOT take any cut from payments
• Gateway fees are between you and Razorpay

Security

PCI Compliance

• ZenTraq never stores card numbers
• Payment processed entirely on Razorpay's PCI-DSS compliant platform
• Only transaction reference IDs stored in CRM
• Customer card details never pass through your server

Secure Links

• Payment links use HTTPS encryption
• Links are unique per invoice (can't be reused)
• Expired links cannot be used for payment
• Tamper-proof amount (customer can't modify payment amount)

Troubleshooting

"Invalid API Key"

• Check if using Test key vs Live key
• Regenerate keys in Razorpay dashboard
• Ensure no extra spaces when pasting

"Payment Not Reflecting in CRM"

• Check webhook configuration
• Verify webhook URL is accessible from internet
• Check webhook secret matches
• Look for failed webhook deliveries in Razorpay dashboard

"Customer Can't Pay"

• Check if invoice has a valid payment link
• Verify Razorpay account is active (not suspended)
• Check if live mode keys are being used (not test)
• Ensure the amount is within Razorpay's limits

Tips

• Start with Test Mode — Verify everything works before going live
• Set up webhooks — For automatic payment status updates
• Use payment links — Easier for customers than manual bank transfer
• Share via WhatsApp — Higher open/pay rate than email
• Track partial payments — Allow installments for large invoices
• Send reminders — Auto-remind for overdue invoices with payment link