Converting a Razorpay logo (wallet) to a PNG background vector product can be achieved using various tools or libraries. Here's a brief snippet using the sharp library in Node.js:

const sharp = require('sharp');

// Load your Razorpay logo image
const razorpayLogo = 'path/to/your/logo.png';

// Convert the logo to a PNG background vector product
sharp(razorpayLogo)
  .resize({ width: 100, height: 100 })
  .background('#ffffff') // white background
  .overlay({
    input: {
      image: razorpayLogo,
      left: 'center',
      top: 'center',
      width: 50,
      height: 50,
    },
    image: 'path/to/your/logo.png', // your logo image
  })
  .toBuffer((err, buffer) => {
    if (err) {
      console.error(err);
    } else {
      // Save the PNG data to a file
      fs.writeFileSync('output.png', buffer);
    }
  });

This code uses the sharp library to convert the Razorpay logo image to a PNG background vector product. You'll need to install this library using npm or yarn before running this code.

Alternatively, you can use online tools like Vectorizer or Online SVG to PNG Converter to achieve the same result without writing any code.