Payments & payouts

How payments work

Tuition.in uses Razorpay Route — a marketplace payment model where students pay Razorpay and funds are split and settled to your linked bank account automatically after deducting the platform fee.

1. Student enrolls in your paid batch and pays via Razorpay (UPI, card, net banking, or wallet).
2. Razorpay holds the payment in its nodal account for the settlement delay period (T+2 business days).
3. After the settlement delay, Razorpay transfers the amount (minus platform fee) to your linked bank account.
4. You receive a settlement report email from Razorpay with a breakdown of each transaction.

Step 1 — Razorpay linked account

Because Tuition.in operates as a marketplace, your payout account is called a Razorpay Linked Account (also called a Route sub-account). Here's how to get one:

1. Email [email protected] with subject line: Razorpay linked account — [your name / institution name]. Include your registered email address on Tuition.in.
2. Our team will send you an invitation link to the Razorpay dashboard where you create your sub-account. This takes 2–3 business days.
3. Complete the linked account creation form: business name, PAN, bank account details, and settlement preference.
4. Submit KYC documents (see Step 2). Razorpay approves most accounts within 3 business days.

Step 2 — Complete KYC

Razorpay requires identity verification before enabling payouts. Documents required depend on your entity type:

Individual tutor (sole proprietor)

• PAN card (mandatory)
• Aadhaar card or passport (address proof)
• Cancelled cheque or bank passbook showing account number and IFSC
• Selfie photo for identity match

Coaching centre / school / college (registered entity)

• Entity PAN
• GST registration certificate (if registered)
• Certificate of incorporation / registration (for private limited, LLP, or trust)
• Address proof of registered office
• Director/Partner PAN and Aadhaar
• Cancelled cheque for the entity bank account

Step 3 — Pricing your batches

Each batch in your course has its own price. You set this when creating or editing the batch:

• Price (₹) — the total amount a student pays to enroll in the batch. This is the student-facing price; the platform fee is deducted before you receive the payout.
• Capacity — max number of seats. Once full, enrollment is closed automatically. Recommended range: 15–30 for a live interactive batch.
• Enrollment deadline — optionally set a last date for enrollment. After this date, new students cannot join even if seats remain.

Free (₹0) batches

Set any batch's price to 0 to make it completely free. Free batches:

• Do not require a Razorpay linked account.
• Students enroll instantly with one click — no payment step.
• Have no platform fee.
• Are a great way to build your first enrollments and reviews before launching paid batches.

How student enrollment & payment works

When a student enrolls in your paid batch:

1. Student clicks Enroll on your course page.
2. Razorpay checkout opens — student pays by UPI, card, or net banking.
3. On payment success, Razorpay sends a webhook to Tuition.in confirming payment.
4. Tuition.in creates the enrollment record, sends the student a confirmation email with the batch schedule.
5. The student immediately appears in your batch's enrolled students list.
6. Settlement to your account happens after T+2 business days (see next section).

Settlement schedule

• UPI & net banking: T+2 business days (T = day of transaction). A transaction on Monday settles by Wednesday (assuming no bank holidays).
• Debit/credit card: T+3 business days.
• Wallet payments: T+4 business days.
• Settlement batch: Razorpay aggregates multiple transactions into a single daily transfer to your bank account. You'll receive one bank credit per settlement batch, not per student.

Your Razorpay dashboard shows real-time payment status, pending settlements, and historical payouts. Log in at dashboard.razorpay.com using the credentials created during your linked account setup.

Handling refund requests

Students can submit a refund request from their enrolled batch page. The request appears at the top of your course management page with a 48-hour response window.

To approve a refund:

1. Open the course management page.
2. Find the refund request in the Refund requests section.
3. Click Approve. Razorpay processes the refund to the original payment method within 5–7 business days. The student's enrollment is revoked immediately.

To decline a refund:

1. Click Decline.
2. Enter a brief reason (optional but recommended). The reason is shown to the student.

Platform fees

Tuition.in charges a platform fee on each paid enrollment. The exact fee percentage is shared during your Razorpay linked account setup. Key points:

• Platform fee is deducted at settlement time — you receive the student-facing price minus the platform fee.
• Free batches (₹0) have no platform fee.
• Razorpay's own payment processing fee (approx 2% for cards, 0% for UPI) is also deducted separately, per Razorpay's standard pricing.
• Your Razorpay settlement report itemises: gross collection, platform fee, Razorpay processing fee, and net payout per transaction.

To inquire about fee rates or negotiate custom pricing for high-volume institutions, write to [email protected].

GST & invoicing

• Students receive a Razorpay-generated payment receipt for every transaction. This serves as proof of payment.
• GST applicability: Online educational services provided by individual tutors are generally exempt from GST under heading 9992 (educational services). However, if your institution is registered for GST and your annual turnover exceeds the exemption threshold, you must charge and remit GST. Consult your CA for entity-specific advice.
• Platform service fee: Tuition.in issues a GST-compliant invoice for its platform fee. You'll receive this monthly via email.
• TDS (Section 194O): Tuition.in is required to deduct TDS at 1% on payments made to individual sellers where aggregate payments exceed ₹5 lakh per financial year. TDS certificates are issued quarterly.

FAQ

How long does Razorpay linked account setup take?

From the time you email support, the entire process (invitation → KYC → approval) typically takes 5–7 business days. Individual tutors are usually faster (2–3 days).

Can I use a personal savings bank account?

Yes for individual tutors. Institutions should use a current account in the institution's name. Using a personal account for institution payouts can complicate tax filing.

Can I change my batch price after students have enrolled?

Yes — editing the batch price affects only new enrollments. Students who already paid are not affected. It's good practice to announce price changes in advance via the batch chat.

What happens if a payment is flagged as fraud?

Razorpay's risk engine may flag high-risk transactions and hold them for review. In such cases, the enrollment is pending until the payment is cleared or reversed. You'll see a "Payment under review" status in your dashboard. Write to support if a legitimate payment is stuck in review for more than 3 business days.

Can I issue a partial refund?

Partial refunds are not currently available through the self-serve dashboard. Write to [email protected] with the enrollment details and the refund amount — we can initiate it on your behalf via the Razorpay API.