Payments
Taking customer payments on your own Cashfree or Razorpay account
By Idea Holiday team · Updated 26 Oct 2026 · 3 min read
An Idea Holiday agent website can take customer payments in two ways. This guide covers the second: using your own Cashfree or Razorpay account, so you are the merchant of record. It also explains what that changes in your wallet, because the money flow is different from the default.
The default: Idea Holiday checkout
By default the customer pays Idea Holiday through Razorpay and nothing is taken from your wallet. When the booking is confirmed (for flights, ticketed), your earning, which is your markup minus the website fee, is recorded as Waiting for travel. It is paid to your wallet the day after the stay or trip ends, or at once if the booking is cancelled.
Your own gateway
If you choose your own gateway, the customer pays your account. You add your gateway keys on the website page. They are checked with the gateway, with no test charge, and stored encrypted. Only the key ID and its last 4 characters are ever shown again.
Payment updates (webhooks)
- Cashfree: nothing to set up. Each order tells Cashfree where to send updates.
- Razorpay: in the Razorpay Dashboard, under Account and Settings, then Webhooks, add the URL and events shown on your website page, with a webhook secret. Without it, payments are still picked up within a few minutes.
How the money moves
When the customer pays, the net price is debited from your Idea Holiday wallet. The website fee is debited when the booking is confirmed. There is no earning to wait for, because you already hold the customer's money.
Keep your wallet topped up
Checkout needs your available funds, which are your balance plus your credit limit, to cover the net price and the fee. If they do not, the site shows booking as unavailable and you get a website booking paused alert. If a payment arrives while your wallet is short, the customer is refunded on your gateway.
If a booking is refused
If the hotel or the airline refuses a paid booking, the customer is refunded on your gateway and the net price goes back to your wallet.
Going back to the default
Removing your keys moves the site back to Idea Holiday checkout.
Common questions
- Who is the merchant of record?
- With your own gateway, you are. The customer pays your account.
- Are my gateway keys safe?
- They are checked with the gateway, stored encrypted, and only the key ID and its last 4 characters are ever shown again.
- Is a gateway account required?
- No. By default customers pay through Idea Holiday checkout, and nothing is taken from your wallet.