The Digital Payments Revolution in Indian Restaurants
India processed over 12,000 crore UPI transactions in 2025. Digital payments are no longer an alternative to cash — they are the primary payment method for most urban consumers. Restaurants that don't offer seamless digital payment options are losing customers to those that do.
For restaurant owners, digital payments offer benefits beyond customer convenience: faster checkout, reduced cash handling risks, accurate accounting, and integration with digital ordering systems like Restrofi.
Payment Methods Your Restaurant Should Accept
UPI (Unified Payments Interface) — The most popular digital payment method in India. Google Pay, PhonePe, Paytm, BHIM — all use UPI. Processing cost: 0% for most transactions under ₹2,000.
Debit and Credit Cards — Essential for larger transactions and foreign tourists. Processing fee: 1.5-2.5% per transaction.
Mobile Wallets — Paytm Wallet, Amazon Pay, PhonePe Wallet. Popular for smaller amounts. Processing fee: 1-2%.
Net Banking — Less common in restaurants but important for large orders and catering. Processing fee: varies by bank.
Cash — Still important, especially for smaller establishments. Maintain the option even as you push digital.
Restrofi integrates with Razorpay to accept all of these payment methods through a single integration. Customers select their preferred method during checkout on their phone.
Setting Up Digital Payments with Restrofi
Step 1: Activate Razorpay — During Restrofi setup, connect your Razorpay account (or create one). Provide your bank account details and business verification.
Step 2: Enable Payment Options — In Restrofi settings, enable the payment methods you want to accept: UPI, cards, wallets.
Step 3: Customer Experience — When customers place an order via QR code, they see a "Pay Now" option. They choose their preferred method, complete the payment, and the order goes to the kitchen.
Step 4: Settlements — Razorpay settles funds to your bank account in T+2 days (next 2 business days). You can track all transactions in your Razorpay dashboard.
Benefits of integrated digital payments:
Digital payments through Restrofi work on all plans including the free plan. Set up once, and every QR order can be paid digitally.