Connecting your own Razorpay for a cloud kitchen means online payments on your WhatsApp orders settle straight into your Razorpay account, on your rate card, with no platform fee from Tezzu on top. For a kitchen doing a few hundred orders a month the difference is small. For one doing 1,500 or more, most of them prepaid by UPI, it is a line on the monthly P&L worth looking at.
This explainer sets out the two ways to take online payments on Tezzu, the fee stack on a single order under each, the order volume where connecting your own account starts to pay, what changes on settlement and refunds, and what to check before you switch.
Two ways to take online payments on an ordering platform
Every ordering platform that takes UPI and card payments does it in one of two ways, and some, Tezzu included, offer both.
On the shared setup, payments run through the platform's own Razorpay account. The money is collected by the platform and paid out to you. The platform charges a fee on each online payment that covers the gateway cost and its own handling. You never deal with Razorpay directly, which is the attraction: no KYC, no settlement setup, live on day one.
On your own account, you sign up with Razorpay yourself, complete their KYC, and plug your keys into the platform. Customers still pay in the same checkout, but the money lands in your Razorpay account and settles to your bank on Razorpay's cycle. You pay Razorpay's charges directly and the platform's fee on payments is zero. On Tezzu, the flat ₹10 per order still applies to every order, online or cash, and there is no commission under either setup. The general shape of this choice is in using your own Razorpay account on an ordering platform.
The fee stack on a ₹300 order
The numbers below are illustrative. Tezzu's platform fee on the shared setup is on the pricing page, and Razorpay's charges are on Razorpay's site; both change from time to time, so check the live rates before deciding. For the arithmetic, assume a 3 percent platform fee on the shared setup and 2 percent plus GST paid directly to Razorpay on your own account.
| Line on a ₹300 prepaid order | Shared setup | Own Razorpay account |
|---|---|---|
| Platform fee on the payment (illustrative 3%) | ₹9.00 | ₹0 |
| Razorpay charge paid by you (illustrative 2% + GST) | ₹0 (covered by the platform fee) | ₹7.08 |
| Tezzu per-order charge | ₹10 | ₹10 |
| Commission | ₹0 | ₹0 |
| Total cost on the order | ₹19.00 | ₹17.08 |
Under these assumptions the saving is about ₹2 on a ₹300 order. On its own that is a small number. The bigger reasons to switch are the ones that scale with volume: a rate you can negotiate, settlement you control, and a payments dashboard that is yours.
Where the switch starts to pay
Take a cloud kitchen doing 1,500 orders a month at an average of ₹300, with 70 percent prepaid online. That is 1,050 online orders worth ₹3,15,000.
- At the illustrative 3 percent platform fee, the shared setup costs ₹9,450 a month on payments.
- At the illustrative 2 percent plus GST on your own account, you pay Razorpay about ₹7,434.
- Monthly difference: roughly ₹2,000. Over a year, around ₹24,000.
Now add the part that only an account holder gets. Payment gateways commonly offer lower rates to merchants with higher monthly volume, and that conversation is yours to have once the account is yours. If a kitchen at ₹3 lakh of online volume a month negotiates even a modest cut from the standard rate, the annual saving grows past the simple arithmetic above. At 3,000 orders a month the same percentages double, and the fixed effort of KYC and setup is spread over twice the volume.
Below about 500 online orders a month, the saving is a few hundred rupees and the shared setup is the better use of your time. The crossover depends on your average order value and your online share, and the calculator logic is laid out in platform fee vs commission vs per-order fee.
What changes when you connect your own account
Settlement comes to you directly
Online payments land in your Razorpay account and settle to your bank on Razorpay's cycle, commonly the second or third working day after the payment, with faster options available on their side. You see every transaction in your own Razorpay dashboard, with its UTR, which makes reconciling against your bank statement a matter of matching two lists. Settlement timing and what it does to cash flow is covered in Razorpay for restaurants: setup, fees and settlement.
Refunds run from your Razorpay dashboard
A refund on a cancelled order is issued from your account, against the original payment, and shows up in your statement. This is cleaner for a high-volume kitchen with a few cancellations a day, because the refund trail is in one place that your accountant can see.
Your domain, your checkout
If your store runs on a custom domain, the default setup hands the customer to a tezzu.in payment page for the payment step and returns them. With your own Razorpay account, your domain is registered on your account and checkout runs on your own address with no hand-off.
What does not change
Nothing on the ordering side. The WhatsApp bot, the store page, delivery zones, the dashboard, the staff app, KOT printing and campaigns all work the same. Cash on delivery orders are unaffected. The ₹10 per order is unchanged. The customer sees the same UPI and card options at checkout.
What this looks like on Tezzu
The connection lives in the payments section of the dashboard. You create your Razorpay account on Razorpay's site, complete their KYC, and generate API keys. In Tezzu you choose to use your own account and enter the keys. The dashboard walks through the test and live steps, so you can place a test order against Razorpay's test mode before switching to live keys, and it tells you about the webhook that lets Razorpay confirm each payment back to your orders.
Once connected, a prepaid order flows like this. The customer orders on WhatsApp or the store page and reaches payment. The Razorpay checkout opens against your account, the customer pays by UPI or card, and Razorpay tells Tezzu the payment succeeded. The order is confirmed on WhatsApp and appears in the live dashboard and staff app marked paid, with the Razorpay payment reference on it. The money is in your Razorpay account from that moment and settles to your bank on your cycle. The platform fee line on that order is zero; your billing shows the ₹10 per-order charge only.
Your Tezzu dashboard keeps showing revenue, orders and customer insights as before, and your Razorpay dashboard shows the payments, settlements and refunds. A kitchen can try its own account for a month and compare the two bills before deciding where to stay. The step-by-step with the key screens is in bring your own Razorpay, and the full payments feature list is on the features page.
See what payments cost on each setup
Plans, the ₹10 per-order charge and the platform fee on the shared setup are all on the pricing page. Compare them against your own order volume before you decide.
See pricingWhat to check before switching
- Razorpay KYC. It needs your business registration, bank proof and, usually, your FSSAI licence for a food business. Allow a few working days, and do not switch keys to live until the account is fully activated on Razorpay's side.
- Your real rate. Ask Razorpay for pricing at your monthly volume rather than taking the listed standard rate as final.
- Settlement cycle. Confirm the default cycle and what a faster settlement costs, then decide which you want.
- Who holds the keys. Keep the Razorpay login with the owner, with two-step verification turned on there, and give nobody else the API keys.
- A test order. Place one in test mode and one live order for ₹10 before you announce anything, and check that it shows as paid in the dashboard and in Razorpay.
How this fits with the rest of Tezzu billing, including the plan, the campaign wallet and the monthly invoice, is in Tezzu pricing explained.
Frequently asked questions
Can a cloud kitchen use its own Razorpay account with a WhatsApp ordering platform?
On Tezzu, yes. You create the Razorpay account yourself, complete KYC, and enter your API keys in the dashboard. Online payments then go to your account and settle to your bank on Razorpay's cycle, and Tezzu charges no platform fee on those payments. The flat ₹10 per order still applies, and there is no commission.
What fees does a cloud kitchen pay on online orders with its own Razorpay account?
Razorpay's own charges, at whatever rate your account is on, plus GST on those charges, and Tezzu's ₹10 per order. There is no platform fee on the payment and no commission. Razorpay's standard rates are on its website and change from time to time; higher-volume merchants can ask for a lower rate.
At what order volume does an own Razorpay account make sense?
As a rough guide, from several hundred prepaid orders a month upward, where the difference between the shared platform fee and Razorpay's direct charge adds up to a few thousand rupees a year, and where you have the volume to negotiate your rate. Below that, the shared setup saves you the KYC and settlement work for a small cost.
Does switching to my own Razorpay account change anything for customers?
No. They see the same UPI and card options at checkout and the same WhatsApp confirmation. The one visible difference is on a custom domain, where checkout stays on your own address instead of a short hand-off to a tezzu.in payment page. Cash on delivery orders are not affected at all.