Create Customer Identifiers
Create and view Customer Identifiers and UPI IDs using the Razorpay Dashboard.
Smart Collect simplifies the reconciliation of payments received via bank transfers. It allows you to create unique Customer Identifiers for specific customers. Payments are then automatically reconciled against these identifiers, reducing manual effort.
Watch Out
The creation of Customer Identifiers associated with UPI Transfers receiver type is available only with Smart Collect 2.0 and not with Smart Collect.
You can create a Customer Identifier from the Dashboard:
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Log in to the Dashboard and click Smart Collect.
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Click + Create Customer Identifier.
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Select the type of receiver in Methods to accept payments in this customer identifier. Only Bank Transfer (NEFT, RTGS, IMPS) is live, and enabled by default.
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Select Customer from the drop-down list. You can also create a new customer instantly. You may skip this step and proceed with creation, if you do not wish to tag it to a specific customer. However, you cannot modify the Customer Identifier and tag it to the customer later.
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Click View Advance Options.
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Add an Account Description for your internal reference.
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You can set a closure date for the Customer Identifier using the Close By option. Click Disable Auto Close option and select the date and time at which the account must be automatically closed. Ensure that the time specified is at least 15 minutes after the creation time.
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Click Add Internal Note to enter any notes for internal reference.
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Click Create Customer Identifier.
After the Customer Identifier is created, copy the details and share them with your customer.
Watch Out!
If a Customer Identifier has been inactive for 90 days without any transactions, it will be considered dormant and subsequently closed.
Handy Tips
While sharing the details of CI (created using RBL bank) with the customers, ensure that the fifth character in the IFSC is number 0 and not the letter O. For example, valid IFSC is RATN0VAAPIS and not RATNOVAAPIS.
The Customer Identifier appears in the list as shown below:
You can view the payments made to your Customer Identifiers on the Dashboard.
To do this:
- Log in to the Dashboard.
- Navigate to Smart Collect → Payments.
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Follow the same steps as Create Customer Identifiers until customer selection.
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Click View Advance Options.
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Complete these steps to add account details for the Third Party Validation:
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Select the Bank Transfers (NEFT, RTGS, IMPS) checkbox to create Customer Identifier details with TPV for bank transfers.
Handy Tips
Refer to the
document for more details. -
Click Configure to add details of Authorised Accounts.
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Enter IFSC Code and Account Number.
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Click + Add Another Account to add accounts. You can add up to 10 Authorised Accounts.
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Click Save.
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Complete the other steps mentioned on screen and click Create Customer Identifier.
Once the Customer Identifier has been created, you can copy the details and share them with your customer.
Handy Tips
While sharing the details of CIs (created using RBL bank) with the customers, ensure that the fifth character in the IFSC is number 0 and not the letter O. For example, valid IFSC is RATN0VAAPIS and not RATNOVAAPIS.
The Customer Identifier appears in the list as shown below:
You can create Customer Identifiers via the Dashboard or using the APIs:
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Log in to the
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Navigate to Smart Collect in the left menu → click + Create Customer Identifier.
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Select the type of receiver in Methods to accept payments in this customer identifier. Both Bank Transfers (NEFT, RTGS, IMPS) and UPI Transfer are enabled by default. You can choose to disable either as needed.
- Enable Bank Transfer (NEFT, RTGS, IMPS) to create a Customer Identifier.
- Enable UPI Transfer to create a virtual UPI ID.
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Select Customer from the drop-down list. You can also create a new customer instantly. This is an optional step.
Select the Add Billing Address check box if necessary.
Watch Out!
You cannot modify customers for Customer Identifiers after you create and save them. Ensure you tag the Customers to Customer Identifiers when you create them.
The following advance options are available when you click View Advance Options:
- Configure Third Party Validation. Authorise bank accounts using IFSC and Account Number.
- Add an Customer Identifier Description for your internal reference.
- Add a closure date for the Customer Identifier.
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Clear the Disable Auto Close option to close the Customer Identifier on a certain future date.
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Select Disable Auto Close option and choose the date and time when the Identifier must automatically close.
Ensure that the time specified is at least 15 minutes after the creation time.
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- Click Add Internal Note to enter any notes for internal reference.
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Click Create Customer Identifier.
This successfully creates a Customer Identifier. Click Copy Customer Identifier Details and share it with your merchants/customers.
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Follow the steps to
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Click View Advance Options.
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Click Configure for Third Party Validation.
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In the Authorised Accounts pop-up modal, IFSC Code and Account Number. You can add up to 10 accounts.
For RBL banks, ensure the fifth character in the IFSC is number
0and not the letter O. -
Click Save.
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Add other Advance Options as necessary.
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Click Create Customer Identifier.
This successfully creates a Customer Identifier with TPV.
Know more about
.You have successfully created a Customer Identifier.
- After you create a Customer Identifier, it moves to
activestatus. Know more about the . - You can disable/ if you no longer need it to accept payments.
- You can create as many Customer Identifiers as required for your business. Share the Customer Identifiers with your beneficiaries to receive payments.
Watch Out!
Bank account is mandatory to create a Customer Identifier. You cannot create a Customer Identifier using VPA (UPI) alone.
To set up webhooks:
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Log in to the
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Navigate to Dashboard → Account & Settings → Webhooks. Know more about
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Subscribe to the relevant events:
After you receive the payments, Smart Collect webhooks notify you of the:
- Customers' details as associated with their payment method.
- Customers' bank account/VPA (Virutal Payment Address) details.
- The amount the customer has paid.
You can view this information on the Dashboard as well.
Refer to
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