Direct Merchant Keys vs Managed Gateway Split: Which is Right for Your Brand?

Indian e-commerce merchants have unique requirements when it comes to financial settlements. Most international platforms impose a rigid fee structure that takes a percentage of every sale regardless of whether the merchant has their own payment gateway relationship.

Option A: Own Razorpay Credentials (0% Relaycial GMV Fee)

If you have an active Razorpay business account with your company GSTIN, you can simply plug in your Key ID and Secret in the Relaycial Merchant Admin. In this mode:

• 100% of customer payments settle directly into your bank account on your standard T+2 schedule.
• Relaycial charges 0% platform GMV commission — you only pay your flat SaaS subscription.
• You maintain full control over custom payment methods (EMIs, PayLater, corporate cards).

Option B: Managed Split Gateway (3% Online Fee)

For early-stage startups and boutique creators who do not yet have a formal merchant gateway setup, Relaycial provides an instant split gateway with zero paperwork needed on day one. You can switch to your own keys at any point as your volume grows.