Intelligent Payouts

Intelligent Payouts detects downtimes or degradations at Razorpay’s partner or beneficiary banks’ side and prevents the money from being blocked for T+3 days. Downtimes refer to the time period when payouts underperform, leading to considerable delays in processing.

Intelligent Payout feature also reduces the chances of payouts being deemed success. With this, we aim to streamline online transactions and ensure a smoother payout experience for you.

How it Works

If the beneficiary or the partner bank experiences downtime after a payout is made, the payout enters a queued state.

Watch Out!

Intelligent payouts is available by default for Current Account users. RazorpayX Lite users must consume payout.failed webhook to enable Intelligent payouts.

• You receive a payout.queued webhook event to inform you of the status_details.
  • The reason is either beneficiary_bank_down or gateway_degraded.
• If the issue is resolved within the defined SLA, the payout is processed.
• If the issue is not resolved within the defined SLA, the payout is moved to the failed state and you receive payout.failed webhook event.
• You can choose to cancel payouts in queued state from the RazorpayX Dashboard or via API.

Know more about Payout States and Life Cycle.

Entity | Default SLA | Supported Modes | Supported Account Type

Beneficiary Bank/ NPCI| 15 minutes | IMPS & NEFT | Current Account & RazorpayX Lite

Partner Bank | 60 minutes | IMPS, NEFT, RTGS & UPI | Current Account

You can customise the SLA by contacting our Support Team.

Related Information

• Queued Payouts
• Payout Status Details
• Webhooks