Why does Razorpay use paise instead of rupees?

Because floating point arithmetic is unreliable for money. ₹1.50 in a float might be stored as 1.4999999999 or 1.5000000001 depending on the CPU and language runtime. By working in the smallest indivisible unit (paise), all amounts are integers, and integer arithmetic is exact. This is the same reason Stripe works in cents and Checkout.com in minor units.

What happens if I send amount: 500 instead of amount: 50000?

The customer gets charged ₹5, not ₹500. Razorpay interprets the number as paise with no conversion. There is no warning, no error, and no way to recover without issuing a refund. Always multiply your rupee amount by 100 before sending. Double-check your conversion in a test before going live.

Is signature verification really required?

Yes. Without it, anyone who knows your order_id can craft a fake razorpay_payment_id, POST it to your success handler, and get their order fulfilled for free. The HMAC-SHA256 signature ties the payment_id to your specific order_id using your secret key — it cannot be forged without the key. Never skip it.

What is the difference between order status and payment status?

An order can have multiple payment attempts. order.status goes from "created" to "paid" only after a successful capture. Each attempt has its own payment object with status "created", "authorized", "captured", or "failed". Check order.status when verifying fulfillment, not individual payment.status.

When should I switch to the real Razorpay test environment?

After your order creation, signature verification, and webhook handling are working correctly here. Razorpay's test environment requires a dashboard account but provides test UPI and card numbers for end-to-end flow testing. Use this mock first to get the plumbing right, then test the full checkout UI on Razorpay test mode.

Test Razorpay Payments — Orders API, Paise and HMAC

Test Razorpay
in paise — not rupees

Razorpay's Orders API works in paise — India's smallest currency unit. ₹1 = 100 paise, ₹500 = 50000 paise, integer only. This mock handles the full order → redirect → signature verification flow without any Razorpay account or dashboard access.

Use this template Razorpay docs ↗

Paise amounts

integer only, no decimals

HMAC sig

mandatory verification

0 credentials

to get started

create_order.json

{

"amount": 50000,

"currency": "INR",

"receipt": "receipt#0042"

}

// ₹500.00 = 50000 paise ← always integer

Razorpay is the dominant payment gateway in India. The integration uses an Orders API: you create an order on your server, open the Razorpay checkout in the browser, and after the customer pays, verify the payment signature before fulfilling. All amounts are in paise — the smallest Indian currency unit. ₹1 = 100 paise. If you send 500 instead of 50000, the customer gets charged ₹5 instead of ₹500.

Signature verification is mandatory and often skipped in tutorials. After payment, Razorpay sends razorpay_order_id, razorpay_payment_id, and razorpay_signature to your frontend. Your server must compute HMAC-SHA256(order_id + '|' + payment_id, key_secret) and compare it against the signature. Skip this check and anyone can send a fake payment callback to your server.

Razorpay supports cards, UPI, netbanking, wallets, and EMI — all from the same checkout. UPI accounts for over 70% of digital transactions in India and is instant 24/7. The payment.captured webhook fires after the payment is finalized — that's the right place to fulfill orders, not the frontend callback. This mock delivers the full Orders API flow with signature verification and webhook events.

How do paise amounts work in Razorpay?

₹1 = 100 paise
₹500 = 50000
Integer only. No decimals.

Razorpay — like Stripe, Checkout.com, and most modern gateways — works in the smallest indivisible currency unit. For INR, that is paise. Floating point numbers are unreliable for money: 0.1 + 0.2 !== 0.3 in most languages. Integers never have this problem.

Watch out

If you send 500 instead of 50000, the customer pays ₹5 not ₹500. Razorpay applies no conversion — the number you send is interpreted directly as paise.

Rupees to paise conversion
Rupees (₹)	Send as (paise)
₹1	100
₹10	1,000
₹100	10,000
₹500	50,000
₹999	99,900
₹1,499	1,49,900

Conversion is always: rupee_amount × 100. No rounding needed — paise is already the smallest unit.

How do you verify a Razorpay payment signature?

After the customer pays, Razorpay sends three values back to your callback. You must verify them with HMAC-SHA256 before fulfilling the order.

HMAC-SHA256(
razorpay_order_id + "|" + razorpay_payment_id,
key_secret
)

The resulting hex string must match razorpay_signature exactly. If it does not, reject the callback with a 400.

Without this check, an attacker who knows your order_id can send a fake payment_id to your callback and get their order fulfilled without paying. This has happened to real apps.

razorpay_order_id

The order ID you created in step 1. Starts with order_

razorpay_payment_id

The unique ID for this payment attempt. Starts with pay_

razorpay_signature

HMAC hex string. Verify this against your own calculation. Must match exactly.

Which Razorpay payment methods use the same webhook shape?

Razorpay's checkout supports all major Indian payment methods through a single integration. Every method fires the same payment.captured webhook format.

💳

Cards

Visa, Mastercard, Rupay

📱

UPI

GPay, PhonePe, BHIM

🏦

Netbanking

50+ banks supported

👛

Wallets

Paytm, MobiKwik, Freecharge

📦

EMI

Bank and No-cost EMI

💵

Pay Later

Simpl, LazyPay, HDFC PayLater

Unified response: Whether the customer pays with a Visa card, UPI, or a wallet, your webhook handler receives the same payment.captured event shape with method indicating which rail was used. You do not need separate handlers per method.

Integration code

curl -X POST https://mockgateway.com/api/base/razorpay/v1/orders \
  -H "Authorization: Bearer YOUR_MOCK_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50000,
    "currency": "INR",
    "receipt": "receipt#ORD-0042",
    "notes": {
      "order_id": "ORD-0042",
      "customer": "Priya Sharma"
    }
  }'

// amount = 50000 paise = ₹500.00
// INR is the only supported currency in this mock

Request parameters

Sent to POST /api/base/razorpay/v1/orders

Request parameters
Parameter	Type	Required	Description
`amount`	integer	required	Amount in smallest currency unit (paise for INR) `e.g. 50000`
`currency`	string	required	ISO 4217 currency (e.g. INR) `e.g. INR`
`description`	string	optional	Payment description
`order_id`	string	optional	Your order reference `e.g. ORD-12345`

Response fields

Response fields
Field	Type	Description
`id`	string	Razorpay payment ID
`status`	enum	Payment status
`order_id`	string	Razorpay order ID
`created_at`	integer
`payment_link_id`	string	Razorpay payment link identifier