> ## Documentation Index > Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Multi-bank Routing > RazorpayX **Payouts Pro** is a Multi-bank Routing feature which allows you to set primary, secondary and tertiary accounts and helps avoid payout failures by detecting bank downtimes. While [Intelligent Payouts](/x/payouts/intelligent-payouts) prevents the money from being blocked, Multi-bank Routing changes the account of the transaction and prevents payment delays in real-time. * **Payouts Pro** instantly detects bank degradations and immediately switches between two or more RazorpayX powered Current Accounts or RazorpayX Lite, thus improving success rates. * This process is entirely automated and you will receive the debit account number in the API and webhook responses informing you the account from which the payout was finally done. * Your payments will no longer be stuck in processing. * You can enable Payouts Pro if you have more than one bank account registered with RazorpayX (Current/Escrow/Lite). **Watch Out!** Dynamic Multi-bank Routing is applicable only to payouts made via [Payout APIs](/api/x/payouts). ## How It Works Consider the following scenario: * Name of the business: **Acme Corp** * Number of accounts: **3** * The different accounts enabled and set in priority by **Acme Corp** for UPI: * Primary bank account: **RBL Bank** * First backup account: **Yes Bank** * Second backup account: RazorpayX **Lite** **Handy Tips** If you do not have a backup current account or cannot open one, you can use RazorpayX Lite as your backup account. Let us consider a scenario where Acme Corp has initiated five payouts through UPI. * After 3 payouts, RBL Bank which is the primary bank started facing a downtime. * The remaining 2 payouts are now deducted from Yes Bank. * While the payouts are being made via Yes Bank, we parallelly check whether the downtime has been resolved at RBL Bank. * Once the downtime is resolved, the rest of the payouts are re-routed through RBL Bank. * Else, they are processed from Yes Bank. This process is entirely automated and can be reconciled easily by accurately identifying the debit account number from the API and webhook responses. ## Set Account Preferences in Payouts Pro You can view and set your account priorities. Log in to your [RazorpayX Dashboard](https://x.razorpay.com/). Go to **Payouts Pro** by clicking **User Icon→Account & Settings→Banking**. Click **Get Started** to set up your account priorities. 4. You can view your accounts listed under each of IMPS, UPI and NEFT channels. This is the default setting. **Handy Tips** Accounts are listed by default based on their transaction success rates. This means that the account listed first has had the most number of successful transactions historically. 5. Click **Save Changes** to save the default account priority settings. 6. Click **Yes, save changes** to confirm. All the payouts will now be routed based on the default account priorities. 7. You can also [edit your preferences](#edit-payout-account-preferences), [add a new account](#add-new-account) or [delete an account](#delete-account) later. **Watch Out!** RTGS channel is currently not enabled for Multi-bank Routing. ### Edit Payout Account Preferences You can edit the default settings and change your account preferences. 1. Log in to your [RazorpayX Dashboard](https://x.razorpay.com/). 2. Go to **Payout Pro** by clicking **User Icon→Account & Settings→Banking**. 3. Click **Get Started**. 4. Click **Edit Preferences** on **Payouts Pro**. You will see the default listing of your accounts. 5. Hover over each bank account and use up/down arrows to move the bank up or down the list under each payment method. 6. Click **Save changes** to save your preferences or **Cancel** to continue editing. 7. To confirm, click **Yes, save changes** in the pop-up modal. All the payouts will now be routed based on the changed account priorities. ### Add New Account You can add your registered account(s) to Payouts Pro. 1. Log in to your [RazorpayX Dashboard](https://x.razorpay.com/). 2. Go to **Payout Pro** by clicking **User Icon→Account & Settings→Banking**. 3. Click **Get Started**. 4. If you are unable to view all your accounts (those registered during RazorpayX account creation) listed on Payouts Pro, you can add them by clicking **Add bank +** immediately below the existing list of banks. 5. You can select the bank account from the drop-down list. 6. If you have registered only one account with RazorpayX, you will not see the **Add bank +** option. The newly added account will be used for the subsequent payouts as per the priority you have set for it. **Handy Tips** * Only those accounts registered by you during RazorpayX account creation can be added to **Payouts Pro** using **Add bank** option. Your accounts which are not registered with RazorpayX will not be listed when you click **Add bank**. * To register a new account with RazorpayX, log in to your [RazorpayX Dashboard](https://x.razorpay.com/) , go to **My Account & Settings** → **Banking** → **+ADD ACCOUNT**. ### Delete Account 1. Log in to your [RazorpayX Dashboard](https://x.razorpay.com/). 2. Go to **Payout Pro** by clicking **User Icon→Account & Settings→Banking**. 3. Click **Get Started**. 4. Go to **Payouts Pro** to view your accounts. 5. Hover over the bank account card that you want to delete, and click the delete icon next to it. 6. Click **Remove account** on the pop-up modal to confirm or **Don't remove account** to cancel the action. **Watch Out!** * Deleting a bank account from Payout Pro does not delete the registered bank account from RazorpayX. It is deleted only from the Payouts Pro routing preferences. * **It is mandatory to have at least one account each under IMPS, UPI and NEFT options.** The deleted account will no longer be used for Multi-bank Routing of subsequent payouts. ### Disable Payouts Pro You can disable Payouts Pro if you no longer want to use the Multi-bank Routing feature. 1. Log in to your [RazorpayX Dashboard](https://x.razorpay.com/). 2. Go to **Payout Pro** by clicking **User Icon→Account & Settings→Banking**. 3. Click **Get Started**. 4. Go to **Payouts Pro** 5. Click **Disable Payouts Pro**. 6. Click **Disable** in the pop-up modal to confirm or **Don't disable** to cancel your action. Once you disable **Payouts Pro**, the payouts will no longer use the Multi-bank Routing and will use only the selected account and channel. ## Widget * The Payouts Pro widget displays the payout volumes, total number of payouts, transactions protected from downtimes and the success rates of transactions under each payout modes. * The first account displayed here is the first account you registered with RazorpayX. * Click **View all account details** to view the success rates of all your registered accounts. For example, the following widget shows data available for two payment modes across the last 30 days: UPI and IMPS. You can read the widget data in the following manner: * **7.5% more success rate**, that is, success rates spiked to 97.3% from 88.8% due to Payouts Pro. * **5.8k more payouts**, that is, number of payouts increased by 5823 due to protection from bank downtimes. * **₹ 22 Cr more volume**, that is, volume of payouts increased from 297 Cr to 319 Cr. ## Reports All the transactions made from different accounts, through this feature, are recorded accordingly. You can find the information when you generate reports from: [Account Statements](/x/account-statement) [Reports](/x/reports) [Payouts](/x/payouts/reports) ### Related Information * [About Payouts](/x/payouts) * [Open a Current Account](/x/account-types/current-account)