Tezzu Razorpay setup is the step that turns "send me a screenshot" into a payment that confirms itself. Once activated, a customer ordering on WhatsApp or on your store page pays by UPI or card at checkout, Razorpay confirms the payment to Tezzu, and the order shows as paid on your dashboard without anyone opening a UPI app to check.
The setup itself is a ten-minute form. The wait is Razorpay's review of your business details, which takes a few working days, so this is the first thing to start after connecting your WhatsApp number. This guide covers what to prepare, the activation steps, what the customer sees, the fees and settlement timing, and when to keep cash on delivery alongside.
How payments work on Tezzu
Tezzu uses Razorpay as the payment gateway. At checkout the customer chooses UPI or card (or cash on delivery, if you allow it). For UPI the customer's own app opens, they approve, and Razorpay tells Tezzu the payment succeeded. The order is created as paid, the confirmation goes out on WhatsApp, and the kitchen sees a paid order. For cash orders the order is created as unpaid and your staff mark it paid on delivery.
There are two ways to run this. The standard way is through Tezzu's Razorpay setup, where Tezzu creates a payment account for your business and settlements go to your bank. The other is to connect a Razorpay account you already own, which removes the platform fee on online payments; that option has its own guide, bring your own Razorpay. This post covers the standard way.
What you need for Razorpay activation
Razorpay needs to know who is receiving the money. Have these ready before you open the form; the usual cause of a slow activation is a missing or mismatched document.
- PAN of the business, or of the owner for a proprietorship.
- Bank account details: account number and IFSC, in the same name as the PAN. A cancelled cheque or a bank statement page may be requested.
- Business proof. Typically a GST certificate, FSSAI licence, shop and establishment registration or similar. For a home kitchen without GST, the FSSAI registration is the usual document.
- Address of the business, matching the proof.
- Owner identity such as Aadhaar or a passport, if Razorpay asks for it.
Mismatches between the PAN name and the bank account name are the single most common reason for rejection. Check them before submitting. The broader Razorpay process, including what their review looks for, is covered in Razorpay for restaurants.
Step by step: activating online payments in Tezzu
- Open the payments section of the dashboard. You will see online payments as not yet active, with cash on delivery available.
- Fill in the business details. Legal name, PAN, business type, address, and bank account. Upload the documents it asks for.
- Submit for review. Tezzu passes the details to Razorpay. The dashboard shows the status as pending.
- Wait for activation. A few working days is normal. If the status stays pending beyond a week, or shows that Razorpay needs clarification, contact support from the dashboard and they will tell you which document to send.
- Place a test payment. Once active, order from your own phone and pay ₹1 worth of something, or your cheapest item, by UPI. Confirm the order appears as paid on the dashboard and that the WhatsApp confirmation arrived.
- Decide on cash on delivery. Keep it on, limit it, or turn it off; see the section below.
While the review runs, take orders as cash on delivery. Nothing else about the setup is blocked.
What the customer sees
On WhatsApp, after confirming the cart and address, the bot offers the payment options you have enabled. Choosing UPI or card opens a checkout link; the customer pays in their UPI app or enters card details, and returns to the chat to find the order confirmed with an order number. The experience is the same as paying on any large app, which matters because customers hesitate at an unfamiliar payment step.
On the store page the checkout opens Razorpay in the page itself. If you run the store on your own custom domain, the payment step runs on tezzu.in and returns the customer to your store afterwards; the reason is explained in the custom domain guide.
Either way, a failed or abandoned payment leaves no order in the kitchen, and a successful one needs no screenshot. That alone removes the fake-screenshot problem described in how restaurants verify UPI payments.
Fees, settlement and what reaches your bank
Two charges apply to an online order, and it helps to keep them separate in your head. Tezzu's per-order charge is a flat ₹10 on every order, whatever the payment method, with no commission on the order value. Razorpay's gateway charge is a percentage of the transaction that depends on the payment method; UPI has generally been priced lower than cards, and the current rates are on Razorpay's pricing page.
| Cash on delivery | UPI or card via Tezzu's Razorpay setup | UPI or card via your own Razorpay account | |
|---|---|---|---|
| Tezzu per-order charge | ₹10, billed in your invoice | ₹10, taken from the payment before settlement | ₹10, billed with your plan; nothing taken from the payment |
| Gateway charge | None | Razorpay's rate for the method used | Razorpay's rate on your own account |
| Where the money lands | With your rider or counter | Your bank, per Razorpay's settlement cycle | Your Razorpay account, then your bank |
| Confirmation | Manual, marked paid on delivery | Automatic | Automatic |
| Who holds the gateway account | Nobody | Created through Tezzu for your business | You |
Settlement timing follows Razorpay's cycle, usually a couple of working days after the payment. The dashboard's earnings view shows each order's total, the payment method, and the charges applied, so what you see there should match what reaches the bank.
Cash on delivery: keep it, limit it, or switch it off
Keeping cash on delivery on from day one is right for most kitchens, because some customers will not pay in advance to a business they have not tried. The cost is rider risk: no-shows, wrong change, and the occasional refused order. Once online payments are active, the options are to keep cash for everyone, keep it only below a certain order value, or turn it off entirely.
A workable middle: online payment required for large orders and for far delivery zones, cash allowed nearby and for small baskets. Track the share of cash orders on the dashboard monthly; many kitchens find it falls on its own once customers have paid online once and seen it work. The trade-offs are laid out in cash on delivery vs online payment.
What this looks like on Tezzu
In the dashboard, the payments section shows the activation status, your bank details, and which methods are on: UPI, card and cash on delivery. Each order in the live dashboard carries a payment status (paid, pending, cash), and staff on the staff app see the same, so a rider knows before leaving whether to collect money.
The earnings view lists every order with its payment method, the ₹10 per-order charge and the gateway charge where one applies, so you can reconcile against your bank statement without a spreadsheet. GST bills print from the order. Refunds for cancelled online orders are handled from the order itself rather than by a manual bank transfer.
If you later move to your own Razorpay account, the switch happens in the same payments section and existing orders are unaffected. Activating payments is one of the steps in the Tezzu setup playbook, immediately after the menu, because of the review wait.
Start the payment review today
Open your free trial, submit your business details on day one, and take cash orders while Razorpay reviews them.
Start your free 7-day trialFrequently asked questions
How long does Razorpay activation take for a restaurant?
A few working days is typical once the documents are submitted, longer if a document is unclear or the bank account name does not match the PAN. Submit on the day you create your Tezzu account, and take cash on delivery orders in the meantime. Nothing else in the setup depends on the activation being complete.
Can customers pay by UPI directly in WhatsApp?
The customer orders in WhatsApp, and at the payment step the bot sends a checkout link that opens their UPI app or a card form. They pay there and return to the chat, where the order is confirmed automatically. The customer never leaves their phone or installs anything, and you never have to check a screenshot or your UPI app.
What fees apply to an online payment on Tezzu?
Two. Tezzu charges a flat ₹10 per order regardless of payment method, with no commission on order value; for online payments it is taken from the payment, for cash orders it is billed in your invoice. Razorpay charges a gateway fee per transaction that varies by payment method, listed on Razorpay's pricing page. Merchants who connect their own Razorpay account pay Razorpay directly and have nothing deducted from the payment.
Do I need a GST number to accept online payments?
Not necessarily. Razorpay needs a business proof, and for a registered business that is usually the GST certificate, but an FSSAI registration or a shop and establishment certificate is commonly accepted for small and home kitchens. The PAN and bank account must match in name. Whether you need GST registration at all depends on your turnover and is a separate question.