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If you already have a Razorpay or PhonePe account and prefer payments to be credited directly to your own payment gateway account, you can connect it as a custom payment gateway. This gives you full control over your payment settings, reconciliation, and settlements, while Fermion continues to handle the student checkout flow and reporting.
If no custom payment gateway is enabled, Fermion’s managed gateway will be active, and payments will be added to your Fermion balance for withdrawal via payouts. If custom payment gateway integration is enabled, student payments go directly to your payment gateway account.
Fermion supports the following custom payment gateways:

Razorpay

Integrate your own Razorpay account for INR payments via UPI, cards, and netbanking.

PhonePe

Connect your PhonePe merchant account for seamless payment processing.

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Accessing payment gateways

To manage your payment gateways:
1

Navigate to Payment Gateways

Go to your Instructor Dashboard → Payment Gateway section in the sidebar. This is where you can view all available gateways, enable/disable them, and manage credentials.
2

Choose your gateway

Select the Razorpay or PhonePe gateway and click on Show details button to configure various settings. If no gateway is selected, Fermion managed gateways would automatically be active.

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Custom Razorpay integration

Razorpay is a widely trusted payment gateway in India, suitable for processing INR payments through UPI, credit/debit cards, and netbanking. It offers secure payment processing, instant notifications, and robust reporting tools for businesses of all sizes.
Avoid switching back and forth between the custom Razorpay gateway. Disabling it after activation may cause payment failures and split payouts, complicating your finances.
You can enable Razorpay at Fermion with the help of the following steps:
1

Enable Razorpay

Toggle the switch to enable the gateway. Once enabled, it becomes active immediately for new orders.
2

Add Credentials

Enter your Key ID and Key Secret provided by Razorpay. These credentials ensure that payments are securely linked to your account. Learn more on where to find these credentials.
3

Configure Webhook

Add the following Webhook URL provided in your Fermion Dashboard to your Razorpay account. Learn more about how to add webhook URLs at Razorpay. Enable the following webhook event: - payment.captured Utilize the Webhook Signing Secret to verify webhook signatures. This ensures that Fermion receives real-time updates about payment status and avoids manual reconciliation.
4

Add Razorpay to Fermion

Click on the Update button to add the Razorpay gateway to Fermion. Now you can receive payments from your learners with the help of Razorpay.

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Custom PhonePe integration

PhonePe is a leading payment gateway in India, ideal for processing INR payments through UPI, credit/debit cards, and wallets. It provides secure payment processing, instant notifications, and comprehensive merchant tools for businesses.
Avoid switching back and forth between the custom PhonePe gateway. Disabling it after activation may cause payment failures and split payouts, complicating your finances.
You can enable PhonePe at Fermion with the help of the following steps:
1

Enable PhonePe

Toggle the switch to enable the gateway. Once enabled, it becomes active immediately for new orders.
2

Add Credentials

Enter your Merchant ID and Salt Key provided by PhonePe. These credentials ensure that payments are securely linked to your account. You can find these credentials in your PhonePe merchant dashboard.
3

Add PhonePe to Fermion

Click on the Update button to add the PhonePe gateway to Fermion. Now you can receive payments from your learners with the help of PhonePe.