Test mode uses rzp_test_ keys, no real money, test cards, no settlements. Live mode uses rzp_live_ keys, real money, real cards, settlements to your bank account (T+2 days). Switch to live mode only after full testing in test mode and KYC completion.
Create a Razorpay account, get API keys from the dashboard (key_id and key_secret), install the razorpay npm package, configure the client with new Razorpay({ key_id, key_secret }), add keys to .env, and test by creating a small order.
Go to Razorpay Dashboard → Settings → API Keys → Generate Key. You get a key_id (rzp_test_... for test, rzp_live_... for live) and a key_secret. Save the secret securely it's shown only once.
Amounts are in the smallest currency unit. For INR, it's paise (₹1 = 100 paise). So ₹500.00 is amount: 50000, and ₹99.99 is amount: 9999. For USD, it's cents ($1 = 100 cents).
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