diff --git a/src/components/dashboard/CreditsPage.tsx b/src/components/dashboard/CreditsPage.tsx
index 9467d76..efb01b8 100644
--- a/src/components/dashboard/CreditsPage.tsx
+++ b/src/components/dashboard/CreditsPage.tsx
@@ -2,6 +2,7 @@ import { For, Show, createSignal, onMount } from "solid-js";
 import { Portal } from "solid-js/web";
 import { BTN_GHOST, BTN_ORANGE, BTN_PRIMARY, CARD, ORANGE, NAVY, PKG_CARD } from "~/components/DashboardShell";
 import { PROFESSIONAL_ROLE_SET, ROLE_PREFIXES, type RoleKey } from "./RoleDashboardShared";
+import { openRazorpayCheckout } from "~/lib/razorpay";
 
 const API = "/api/gateway";
 
@@ -102,8 +103,6 @@ export default function CreditsPage(props: Props) {
     step: "form",
     error: "",
   });
-
-  // Mock card form state
   const [cardNumber, setCardNumber] = createSignal("");
   const [cardExpiry, setCardExpiry] = createSignal("");
   const [cardCvv, setCardCvv] = createSignal("");
@@ -356,24 +355,9 @@ export default function CreditsPage(props: Props) {
 
     if (!pkg) return;
 
-    // Validate card fields
-    if (cardNumber().replace(/\s/g, "").length < 16) {
-      setCheckout((c) => ({ ...c, error: "Please enter a valid card number" }));
-      return;
-    }
-    if (!cardExpiry() || cardExpiry().length < 5) {
-      setCheckout((c) => ({ ...c, error: "Please enter expiry date (MM/YY)" }));
-      return;
-    }
-    if (cardCvv().length < 3) {
-      setCheckout((c) => ({ ...c, error: "Please enter valid CVV" }));
-      return;
-    }
-
     setCheckout((c) => ({ ...c, step: "processing", error: "" }));
 
     try {
-      // Step 1: Create order
       const orderRes = await apiFetch("/api/payments/create-order", {
         method: "POST",
         body: JSON.stringify({
@@ -393,24 +377,25 @@ export default function CreditsPage(props: Props) {
         return;
       }
 
-      const orderId = orderData.order_id;
+      const paymentResult = await openRazorpayCheckout({
+        amount: orderData.amount,
+        currency: orderData.currency,
+        orderId: orderData.order_id,
+        description: `${pkg.name} - ${pkg.tracecoins_amount} Tracecoins`,
+      });
 
-      // Step 2: Simulate payment processing (mock)
-      await new Promise((resolve) => setTimeout(resolve, 2000));
-
-      // Step 3: Verify payment
       const verifyRes = await apiFetch("/api/payments/verify", {
         method: "POST",
         body: JSON.stringify({
-          order_id: orderId,
-          payment_id: "pay_mock_" + Date.now(),
-          signature: "mock_signature",
+          razorpay_order_id: paymentResult.razorpay_order_id,
+          razorpay_payment_id: paymentResult.razorpay_payment_id,
+          razorpay_signature: paymentResult.razorpay_signature,
         }),
       });
       const verifyData = await verifyRes.json().catch(() => ({}));
 
       if (verifyRes.ok && verifyData.verified) {
-        setCheckout((c) => ({ ...c, step: "success", orderId }));
+        setCheckout((c) => ({ ...c, step: "success", orderId: paymentResult.razorpay_order_id }));
         setMsg(
           `Payment successful! ${pkg.tracecoins_amount} Tracecoins have been added to your wallet.`
         );
@@ -655,52 +640,36 @@ export default function CreditsPage(props: Props) {
                   </div>
                 </Show>
 
-                {/* Mock Notice */}
+                {/* Razorpay Notice */}
                 <div
                   style={{
-                    background: "#FEF3C7",
-                    border: "1px solid #FCD34D",
+                    background: "#FFF7ED",
+                    border: "1px solid #FDBA74",
                     "border-radius": "8px",
-                    padding: "10px",
-                    "font-size": "12px",
-                    color: "#92400E",
+                    padding: "12px",
+                    "font-size": "13px",
+                    color: "#9A3412",
                   }}
                 >
-                  <strong>Mock Payment:</strong> Use any values. This is a simulation.
+                  Razorpay Standard Checkout will open in a secure modal. Cancelled or failed
+                  payments will not be credited.
                 </div>
 
-                {/* Card Number */}
-                <div>
-                  <label
+                <Show when={Boolean(aiPkg)}>
+                  <div
                     style={{
-                      display: "block",
+                      background: "#FEF3C7",
+                      border: "1px solid #FCD34D",
+                      "border-radius": "8px",
+                      padding: "10px",
                       "font-size": "12px",
-                      "font-weight": "600",
-                      color: "#374151",
-                      "margin-bottom": "6px",
+                      color: "#92400E",
                     }}
                   >
-                    Card Number
-                  </label>
-                  <input
-                    type="text"
-                    value={cardNumber()}
-                    onInput={(e) => setCardNumber(formatCardNumber(e.currentTarget.value))}
-                    placeholder="1234 5678 9012 3456"
-                    maxLength="19"
-                    style={{
-                      width: "100%",
-                      padding: "12px",
-                      border: "1px solid #E5E7EB",
-                      "border-radius": "8px",
-                      "font-size": "14px",
-                      "box-sizing": "border-box",
-                    }}
-                  />
-                </div>
+                    AI credit purchases still use the existing internal test payment flow in this
+                    screen.
+                  </div>
 
-                {/* Expiry & CVV */}
-                <div style={{ display: "grid", "grid-template-columns": "1fr 1fr", gap: "12px" }}>
                   <div>
                     <label
                       style={{
@@ -711,14 +680,14 @@ export default function CreditsPage(props: Props) {
                         "margin-bottom": "6px",
                       }}
                     >
-                      Expiry (MM/YY)
+                      Card Number
                     </label>
                     <input
                       type="text"
-                      value={cardExpiry()}
-                      onInput={(e) => setCardExpiry(formatExpiry(e.currentTarget.value))}
-                      placeholder="MM/YY"
-                      maxLength="5"
+                      value={cardNumber()}
+                      onInput={(e) => setCardNumber(formatCardNumber(e.currentTarget.value))}
+                      placeholder="1234 5678 9012 3456"
+                      maxLength="19"
                       style={{
                         width: "100%",
                         padding: "12px",
@@ -729,6 +698,68 @@ export default function CreditsPage(props: Props) {
                       }}
                     />
                   </div>
+
+                  <div style={{ display: "grid", "grid-template-columns": "1fr 1fr", gap: "12px" }}>
+                    <div>
+                      <label
+                        style={{
+                          display: "block",
+                          "font-size": "12px",
+                          "font-weight": "600",
+                          color: "#374151",
+                          "margin-bottom": "6px",
+                        }}
+                      >
+                        Expiry (MM/YY)
+                      </label>
+                      <input
+                        type="text"
+                        value={cardExpiry()}
+                        onInput={(e) => setCardExpiry(formatExpiry(e.currentTarget.value))}
+                        placeholder="MM/YY"
+                        maxLength="5"
+                        style={{
+                          width: "100%",
+                          padding: "12px",
+                          border: "1px solid #E5E7EB",
+                          "border-radius": "8px",
+                          "font-size": "14px",
+                          "box-sizing": "border-box",
+                        }}
+                      />
+                    </div>
+                    <div>
+                      <label
+                        style={{
+                          display: "block",
+                          "font-size": "12px",
+                          "font-weight": "600",
+                          color: "#374151",
+                          "margin-bottom": "6px",
+                        }}
+                      >
+                        CVV
+                      </label>
+                      <input
+                        type="text"
+                        value={cardCvv()}
+                        onInput={(e) =>
+                          setCardCvv(e.currentTarget.value.replace(/\D/g, "").slice(0, 4))
+                        }
+                        placeholder="123"
+                        maxLength="4"
+                        style={{
+                          width: "100%",
+                          padding: "12px",
+                          border: "1px solid #E5E7EB",
+                          "border-radius": "8px",
+                          "font-size": "14px",
+                          "box-sizing": "border-box",
+                        }}
+                      />
+                    </div>
+                  </div>
+
                   <div>
                     <label
                       style={{
@@ -739,16 +770,13 @@ export default function CreditsPage(props: Props) {
                         "margin-bottom": "6px",
                       }}
                     >
-                      CVV
+                      Cardholder Name
                     </label>
                     <input
                       type="text"
-                      value={cardCvv()}
-                      onInput={(e) =>
-                        setCardCvv(e.currentTarget.value.replace(/\D/g, "").slice(0, 4))
-                      }
-                      placeholder="123"
-                      maxLength="4"
+                      value={cardName()}
+                      onInput={(e) => setCardName(e.currentTarget.value)}
+                      placeholder="John Doe"
                       style={{
                         width: "100%",
                         padding: "12px",
@@ -759,36 +787,7 @@ export default function CreditsPage(props: Props) {
                       }}
                     />
                   </div>
-                </div>
-
-                {/* Cardholder Name */}
-                <div>
-                  <label
-                    style={{
-                      display: "block",
-                      "font-size": "12px",
-                      "font-weight": "600",
-                      color: "#374151",
-                      "margin-bottom": "6px",
-                    }}
-                  >
-                    Cardholder Name
-                  </label>
-                  <input
-                    type="text"
-                    value={cardName()}
-                    onInput={(e) => setCardName(e.currentTarget.value)}
-                    placeholder="John Doe"
-                    style={{
-                      width: "100%",
-                      padding: "12px",
-                      border: "1px solid #E5E7EB",
-                      "border-radius": "8px",
-                      "font-size": "14px",
-                      "box-sizing": "border-box",
-                    }}
-                  />
-                </div>
+                </Show>
 
                 {/* Pay Button */}
                 <button
@@ -812,7 +811,7 @@ export default function CreditsPage(props: Props) {
                     "text-align": "center",
                   }}
                 >
-                  Secure payment powered by Nxtgauge
+                  Secure payment powered by Razorpay
                 </p>
               </div>
             </Show>
diff --git a/src/global.d.ts b/src/global.d.ts
index dc0c2f9..39906cd 100644
--- a/src/global.d.ts
+++ b/src/global.d.ts
@@ -1,2 +1,39 @@
 /// <reference types="vinxi/types/client" />
 /// <reference types="vinxi/types/server" />
+
+declare global {
+  interface Window {
+    Razorpay?: new (options: {
+      key: string;
+      amount: number;
+      currency: string;
+      order_id: string;
+      name: string;
+      description: string;
+      handler: (response: {
+        razorpay_payment_id: string;
+        razorpay_order_id: string;
+        razorpay_signature: string;
+      }) => void;
+      modal?: {
+        ondismiss?: () => void;
+      };
+      prefill?: {
+        name?: string;
+        email?: string;
+        contact?: string;
+      };
+      theme?: {
+        color?: string;
+      };
+    }) => {
+      on: (
+        event: "payment.failed",
+        handler: (event: { error?: { description?: string } }) => void
+      ) => void;
+      open: () => void;
+    };
+  }
+}
+
+export {};
diff --git a/src/lib/api.ts b/src/lib/api.ts
index a998d4f..eddfb54 100644
--- a/src/lib/api.ts
+++ b/src/lib/api.ts
@@ -141,17 +141,29 @@ export async function fetchInvoices(rolePrefix: string, page = 1, limit = 20): P
   return apiFetch(`/api/${rolePrefix}/wallet/invoices?page=${page}&limit=${limit}`);
 }
 
-export async function createPaymentOrder(amount: number, packageId?: string): Promise<any> {
+export async function createPaymentOrder(
+  amount: number,
+  packageId?: string,
+  currency = "INR"
+): Promise<any> {
   return apiFetch('/api/payments/create-order', {
     method: 'POST',
-    body: JSON.stringify({ amount, package_id: packageId }),
+    body: JSON.stringify({ amount, currency, package_id: packageId }),
   });
 }
 
-export async function verifyPayment(orderId: string, paymentId: string): Promise<any> {
+export async function verifyPayment(
+  orderId: string,
+  paymentId: string,
+  signature: string
+): Promise<any> {
   return apiFetch('/api/payments/verify', {
     method: 'POST',
-    body: JSON.stringify({ order_id: orderId, payment_id: paymentId }),
+    body: JSON.stringify({
+      razorpay_order_id: orderId,
+      razorpay_payment_id: paymentId,
+      razorpay_signature: signature,
+    }),
   });
 }
 
diff --git a/src/lib/razorpay.ts b/src/lib/razorpay.ts
new file mode 100644
index 0000000..9d48d2f
--- /dev/null
+++ b/src/lib/razorpay.ts
@@ -0,0 +1,92 @@
+type RazorpaySuccessPayload = {
+  razorpay_payment_id: string;
+  razorpay_order_id: string;
+  razorpay_signature: string;
+};
+
+type RazorpayCheckoutOptions = {
+  amount: number;
+  currency: string;
+  orderId: string;
+  description: string;
+  prefill?: {
+    name?: string;
+    email?: string;
+    contact?: string;
+  };
+};
+
+const RAZORPAY_SCRIPT_ID = "razorpay-checkout-js";
+const RAZORPAY_SCRIPT_SRC = "https://checkout.razorpay.com/v1/checkout.js";
+
+function getRazorpayKeyId() {
+  const keyId = import.meta.env.VITE_RAZORPAY_KEY_ID;
+  if (!keyId) {
+    throw new Error("Razorpay public key is not configured.");
+  }
+  return keyId;
+}
+
+export async function loadRazorpayCheckout(): Promise<void> {
+  if (typeof window === "undefined") {
+    throw new Error("Razorpay checkout is only available in the browser.");
+  }
+
+  if (window.Razorpay) {
+    return;
+  }
+
+  const existing = document.getElementById(RAZORPAY_SCRIPT_ID) as HTMLScriptElement | null;
+  if (existing) {
+    await new Promise<void>((resolve, reject) => {
+      existing.addEventListener("load", () => resolve(), { once: true });
+      existing.addEventListener("error", () => reject(new Error("Failed to load Razorpay checkout.")), {
+        once: true,
+      });
+    });
+    return;
+  }
+
+  await new Promise<void>((resolve, reject) => {
+    const script = document.createElement("script");
+    script.id = RAZORPAY_SCRIPT_ID;
+    script.src = RAZORPAY_SCRIPT_SRC;
+    script.async = true;
+    script.onload = () => resolve();
+    script.onerror = () => reject(new Error("Failed to load Razorpay checkout."));
+    document.body.appendChild(script);
+  });
+}
+
+export async function openRazorpayCheckout(
+  options: RazorpayCheckoutOptions
+): Promise<RazorpaySuccessPayload> {
+  await loadRazorpayCheckout();
+
+  return new Promise<RazorpaySuccessPayload>((resolve, reject) => {
+    const instance = new window.Razorpay({
+      key: getRazorpayKeyId(),
+      amount: options.amount,
+      currency: options.currency,
+      order_id: options.orderId,
+      name: "Nxtgauge",
+      description: options.description,
+      handler: (response: RazorpaySuccessPayload) => resolve(response),
+      modal: {
+        ondismiss: () => reject(new Error("Payment cancelled.")),
+      },
+      prefill: options.prefill,
+      theme: {
+        color: "#FF5E13",
+      },
+    });
+
+    instance.on("payment.failed", (event: { error?: { description?: string } }) => {
+      reject(new Error(event.error?.description || "Payment failed."));
+    });
+
+    instance.open();
+  });
+}
+
+export type { RazorpaySuccessPayload };
diff --git a/src/routes/dashboard/wallet/buy.tsx b/src/routes/dashboard/wallet/buy.tsx
index 48dde05..b6d2a64 100644
--- a/src/routes/dashboard/wallet/buy.tsx
+++ b/src/routes/dashboard/wallet/buy.tsx
@@ -2,6 +2,7 @@ import { createResource, createSignal, Show, For } from "solid-js";
 import { useNavigate } from "@solidjs/router";
 import DashboardLayout from "~/components/DashboardLayout";
 import { api } from "~/lib/api";
+import { openRazorpayCheckout } from "~/lib/razorpay";
 
 interface Package {
   id: string;
@@ -55,8 +56,7 @@ export default function BuyTracecoinsPage() {
     setError("");
 
     try {
-      // Step 1: Create order via Beeceptor
-      const orderRes = await api.post("/payments/order", {
+      const orderRes = await api.post("/payments/create-order", {
         package_id: pkg.id,
         amount: pkg.price_inr,
         currency: "INR",
@@ -64,29 +64,17 @@ export default function BuyTracecoinsPage() {
 
       const { order_id, amount, currency } = orderRes.data;
 
-      // Step 2: Simulate Razorpay payment with Beeceptor
-      const paymentRes = await fetch("https://nxtgauge.free.beeceptor.com/payment", {
-        method: "POST",
-        headers: { "Content-Type": "application/json" },
-        body: JSON.stringify({
-          order_id,
-          amount,
-          currency,
-          status: "captured",
-        }),
+      const paymentData = await openRazorpayCheckout({
+        amount,
+        currency,
+        orderId: order_id,
+        description: `${pkg.name} - ${pkg.tracecoins_amount} Tracecoins`,
       });
 
-      const paymentData = await paymentRes.json();
-
-      if (paymentData.status !== "captured") {
-        throw new Error("Payment failed");
-      }
-
-      // Step 3: Verify payment with our backend
       await api.post("/payments/verify", {
-        order_id,
-        payment_id: paymentData.payment_id || "pay_test_" + Date.now(),
-        signature: "test_signature",
+        razorpay_order_id: paymentData.razorpay_order_id,
+        razorpay_payment_id: paymentData.razorpay_payment_id,
+        razorpay_signature: paymentData.razorpay_signature,
       });
 
       setSuccess(true);