Online Payments in India With Odoo: Razorpay, UPI and PayU

Short answer: in Odoo 19, the two payment providers built for India are Razorpay and PayU. Open Accounting ‣ Configuration ‣ Payment Providers, connect your Razorpay or PayU account and set the State to Enabled. Cards, netbanking and UPI are switched on by default. Customers can then pay invoices from the portal or a payment link, pay to confirm a quotation, and pay at your online shop’s checkout. Each payment is recorded against the invoice in the bank journal you choose.

This is the hands-on setup. For how payment fits into the shop’s checkout, start with my explainer on payments and checkout in Odoo eCommerce.

Applies to

• Odoo version: Odoo 19. I also checked the Odoo 20 documentation and code: the same providers are offered, the Razorpay and PayU pages now list their supported payment methods, a provider’s Configuration tab gains a Minimum Amount and a Pricelists filter beside Maximum Amount, and a Pay on Invoice method is listed.
• Edition: Community and Enterprise. The payment, Razorpay and PayU modules are all in Odoo’s Community code.
• Apps: Invoicing or Accounting, plus Sales (pay to confirm quotations) and eCommerce (checkout) where you use them.

Which providers work in India

A payment provider links Odoo to a payment gateway. Card and bank details stay with the gateway; Odoo keeps only a reference, or a token if the customer saves a payment method. Customers can then pay in four places: Pay Now on an invoice in the customer portal, Accept & Pay on an online quotation, a payment link you send, and the eCommerce checkout.

Odoo 19’s provider list has two built for India:

	Razorpay	PayU
Setup	Connect button, or API keys and a webhook	Connect button
Test mode	Yes, with API keys	Not in the Connect flow
Customer pays	On your Odoo page	On PayU’s site
On by default	Card, Netbanking, UPI	Card, Netbanking, UPI
Can be added	EMI, Pay Later, Wallets India	EMI, Pay Later, Wallets India
Saved payment methods	Yes	No
Refunds from Odoo	Full and partial	No
Currencies	INR and many others	INR only

There’s no official PhonePe, Paytm, Cashfree or CCAvenue provider in Odoo 19 or 20. Third-party apps for some of them are listed on the Odoo Apps store; if you use one, treat it as custom code that needs testing at every upgrade.

Separately, the Indian localisation adds a UPI Id field to the company form. Fill it in, tick QR Codes under Accounting ‣ Configuration ‣ Settings ‣ Customer Payments, and invoice PDFs carry a UPI QR code for the amount due. That money goes straight to your bank, so Odoo only learns about it when you reconcile the bank transaction.

Before you start

1. An activated merchant account. Finish Razorpay’s or PayU’s onboarding first. Razorpay’s Connect flow is only offered to Indian companies, and PayU won’t connect unless the company currency is INR.
2. Invoicing or Accounting is installed, with a Bank journal for gateway payments. Odoo uses the default Bank journal unless you choose another.
3. The database has a public web address, so Razorpay’s webhook can reach it.
4. A test database. Odoo recommends testing on a duplicate or test database, because test payments can disturb invoice numbering.
5. An agreed accounting treatment. Gateways settle to your bank net of their charges, so agree with your accountant how settlements and charges are recorded.

Step by step

1. Go to Accounting ‣ Configuration ‣ Payment Providers (the same list is under Website and Sales) and open Razorpay.
2. Quickest route: click Connect, sign in to Razorpay or create an account, enter the verification codes and click Authorize. If Razorpay has everything it needs, you return to Odoo with the provider Enabled. This route has no test mode.
3. Manual route (needed to test first): in the Razorpay Dashboard, open Payments, switch on Test Mode, then under Account & Settings ‣ API Keys copy the Key Id and Secret Key.
4. Under Account & Settings ‣ Webhooks, click Add New Webhook. Enter your database address followed by /payment/razorpay/webhook, type a Secret of your choice, tick payment.authorized, payment.captured, payment.failed, refund.failed and refund.processed, and click Create Webhook.
5. In Odoo, activate developer mode, open Razorpay and fill in Key Id, Key Secret and Webhook Secret on the Credentials tab.
6. Set State to Test Mode and take a few test payments. When you’re ready for real payments, switch off Razorpay’s Test Mode, repeat steps 3 to 5 with the live keys, and set State to Enabled.
7. On the Configuration tab, click Enable Payment Methods and switch on any extra methods your Razorpay account offers, such as EMI, Pay Later or Wallets India.
8. Still on Configuration: tick Allow Saving Payment Methods if customers may save a card or UPI for later, set a Maximum Amount if large payments should come by bank transfer, and choose the Payment journal (a Bank journal). Recurring payments for subscriptions also need Razorpay support to switch on that feature.
9. Switch on the places customers pay: Invoice Online Payment under Accounting ‣ Configuration ‣ Settings ‣ Customer Payments, and Online Payment under Sales ‣ Configuration ‣ Settings ‣ Quotations & Orders. An enabled provider is published on your website automatically.
10. To send a payment link, open an invoice or sales order, click the gear icon and choose Generate a Payment Link. Change the Amount for a part payment if needed, then click Generate and Copy Payment Link.

For PayU, open PayU, click Connect, sign in or sign up, and click Allow access to the account. The provider comes back Enabled, and steps 7, 9 and 10 apply in the same way.

Worked example: a knitwear brand selling to retailers and online

A Ludhiana knitwear brand invoices retailers on 15-day terms and sells to consumers through Odoo eCommerce. It connects Razorpay with Connect, keeps Card, Netbanking and UPI, and adds Wallets India later.

On the Bank journal’s Incoming Payments tab, the Razorpay payment method gets its own Outstanding Receipts account, “Razorpay clearing”, so gateway money stays apart from other receipts until it settles.

• A retailer receives an invoice for ₹47,200 by email, opens it in the portal, clicks Pay Now and pays by UPI.
• Odoo records a payment in the Bank journal against “Razorpay clearing”, matches it to the invoice, and the invoice shows In payment.
• Razorpay’s settlement reaches the bank as one credit covering several payments, less its charges. In bank reconciliation, the accountant matches that line to the Razorpay payments and books the shortfall to a gateway charges account, treating any GST on the charges as the accountant advises. The invoices move to Paid and “Razorpay clearing” returns to zero.
• An online customer returns a jacket. The team clicks Refund on the payment for the jacket’s amount only, then issues a credit note.

What you should see

• The provider card shows Enabled, or Test Mode while you test.
• In the portal and at checkout, Razorpay offers UPI, netbanking and cards to a customer in India paying in INR.
• After a payment, the invoice shows In payment, and the payment’s memo carries Odoo’s transaction reference and the gateway’s reference. A quotation paid with Accept & Pay becomes a sales order.
• After bank reconciliation, the invoice shows Paid.

Troubleshooting

Razorpay doesn’t appear for customers. In Test Mode the provider is unpublished by default. Otherwise check its Currencies, Countries and Maximum Amount. In developer mode, the bug icon next to Choose a payment method on the payment form explains why each provider or method is unavailable.

Cards show, but UPI and Netbanking don’t. Odoo limits UPI, Netbanking, EMI, Pay Later and Wallets India to customers in India paying in INR. A USD invoice, or a customer address abroad, hides them.

“Razorpay credentials are missing” when you enable it. Use Connect, or enter Key Id and Key Secret in developer mode first.

The customer paid, but the invoice still looks unpaid. First check the webhook: the URL ends in /payment/razorpay/webhook, its secret matches Webhook Secret, the five events are ticked, and the database is reachable from the internet.

You can’t tick Capture Amount Manually. Odoo names the payment methods to switch off first, and UPI is one, because it doesn’t support manual capture. Razorpay also can’t void a payment from Odoo, and payments left uncaptured for more than five days are voided automatically.

PayU says it isn’t available in your country. The company currency isn’t INR.

Invoices stay “In payment”. Expected until the settlement is reconciled with the bank transaction.

Related setup

• How to set up an online store in Odoo
• How to set up bank reconciliation in Odoo
• How to set up your sales workflow in Odoo
• Customer invoicing in Odoo
• Want payments, invoicing and reconciliation set up as one flow from the start? See Odoo implementation.

Official references

• Odoo 19 documentation: Online payments
• Odoo 19 documentation: Razorpay
• Odoo 19 documentation: PayU
• Odoo 19 documentation: Payments
• Odoo 19 documentation: Online payment order confirmation

How this guide was checked: menu paths, field names and behaviour were checked against the Odoo 19 documentation and the Odoo 19 code for the payment, Razorpay, PayU and Indian localisation modules in October 2026. Gateway charges, settlement timing and onboarding rules are set by Razorpay and PayU and aren’t covered here. The worked example is illustrative and wasn’t run on a live database, so there are no screenshots; labels can vary slightly with your installed apps and language.