Razorpay Integration Guide for PHP Websites (2026)

Razorpay is the most popular payment gateway in India. It supports UPI, cards, netbanking, wallets, and EMI. Here's how to integrate it into your PHP website.

Why Razorpay?

• 2% transaction fee (competitive)
• Supports all Indian payment methods
• Excellent documentation
• Fast settlement (T+2 days)
• Easy integration

Step 1: Create Razorpay Account

1. Sign up at razorpay.com
2. Complete KYC (PAN, bank details, business proof)
3. Wait 1-3 days for activation
4. Get your Key ID and Key Secret from Dashboard → Settings → API Keys

Step 2: Install Razorpay PHP SDK

Via Composer:

composer require razorpay/razorpay

Or download from GitHub and include manually.

Step 3: Create Payment Page

<?php
require 'vendor/autoload.php';

use Razorpay\Api\Api;

$api = new Api('YOUR_KEY_ID', 'YOUR_KEY_SECRET');

$order = $api->order->create([
    'amount' => 499900, // amount in paise (₹4999)
    'currency' => 'INR',
    'receipt' => 'order_rcptid_' . time()
]);
?>

<script src="https://checkout.razorpay.com/v1/checkout.js"></script>
<button id="payBtn">Pay ₹4999</button>

<script>
document.getElementById('payBtn').onclick = function() {
    var options = {
        key: 'YOUR_KEY_ID',
        amount: <?= $order['amount'] ?>,
        currency: 'INR',
        name: 'Digital Dynamix',
        description: 'Course Enrollment',
        order_id: '<?= $order['id'] ?>',
        handler: function(response) {
            window.location.href = '/payment-success.php?payment_id=' + response.razorpay_payment_id;
        },
        prefill: {
            name: 'Customer Name',
            email: 'customer@example.com'
        },
        theme: { color: '#4f46e5' }
    };
    var rzp = new Razorpay(options);
    rzp.open();
};
</script>

Step 4: Verify Payment on Server

Never trust client-side success. Always verify on the backend:

<?php
$payment_id = $_GET['payment_id'];
$payment = $api->payment->fetch($payment_id);

if ($payment['status'] === 'captured') {
    // Payment successful — grant access
} else {
    // Payment failed
}
?>

Step 5: Test in Sandbox

Razorpay provides test mode with fake cards. Test before going live:

• Test card: 4111 1111 1111 1111
• Any future expiry, any CVV

Step 6: Go Live

• Switch to live keys
• Set up webhook URL (Razorpay Dashboard → Webhooks)
• Test with ₹1 real transaction

Security Best Practices

• Never expose Key Secret in frontend
• Always verify signature on server
• Use HTTPS everywhere
• Log all transactions
• Handle failures gracefully

Want help integrating payments? Contact Digital Dynamix.