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Razorpay alternatives: 8 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll payment gateways

Top picks

  • Cashfree Payments logo

    Best overall

    Cashfree Payments

    Bank transfer pricing: ₹20 per IMPS/NEFT/RTGS payment

  • PayPal logo

    Best free option

    PayPal

    Free plan + paid

Common reasons people leave Razorpay: built for Indian businesses; not a general global processor, and standard fee applies even to UPI payments, which carry no bank MDR. We ranked 8 alternatives by how directly each one replaces Razorpay, then by reviews, real visits and how recently each app's facts were checked against its own website. Cashfree Payments currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Cashfree Payments logoCashfree PaymentsPaid₹20 per IMPS/NEFT/RTGS paymentNoWeb8 of 868.8
2PayU India logoPayU IndiaPaid—NoWeb6 of 664.8
3Stripe logoStripePaid$10 per monthNoWeb, iOS, Android7 of 761.8
4PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 851.2
5Instamojo logoInstamojoFree plan + paid₹6,999 a year (Starter online store)NoWeb, Android, iOS8 of 850.0
6CcCCAvenuePaid—NoWeb, Android, iOS8 of 842.3
7Paytm for Business logoPaytm for BusinessPaid—NoWeb, Android, iOS5 of 542.3
8Easebuzz logoEasebuzzPaid—NoWeb, Android, iOS4 of 442.3
  1. Cashfree Payments logo

    1. Cashfree PaymentsTop pick

    Best for: Indian businesses that need both payment collection and high-volume payouts

    PaidWeb

    68.8

    score / 100

    Why switch from Razorpay

    Similar Indian gateway with a slightly lower standard rate and a strong payouts product.

    Pros

    • Standard rate slightly below the common 2% Indian benchmark
    • Payouts and verification APIs sit alongside the gateway
    • Accepts international cards and PayPal with INR settlement

    Cons

    • Amex, Diners and international cards cost noticeably more
    • Mainly for Indian-registered businesses
    • Promotional zero-fee offers come with detailed eligibility terms
    Visit Cashfree Payments Compare with RazorpayDetails and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Cashfree Payments a good Razorpay alternative?

    Verified facts

    8 of 8 verified
    Standard fee
    1.95% + taxes per transaction
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Setup fee
    None
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Payment methods
    180+ payment modes
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    International payments
    140+ currencies, settled in INR
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Standard pricing
    1.95% platform fee per transaction
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    International card pricing
    2.99% platform fee
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Bank transfer pricing
    ₹20 per IMPS/NEFT/RTGS payment
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Payout pricing
    From ₹3 per NEFT payout up to ₹1,000
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
  2. PayU India logo

    2. PayU India

    Best for: Indian merchants who want a long-established gateway with strong EMI and pay-later options

    PaidWeb

    64.8

    score / 100

    Why switch from Razorpay

    Long-established Indian gateway with the same 2% domestic rate and 150+ payment methods.

    Pros

    • Simple flat rate across most domestic payment methods
    • Wide range of EMI and buy-now-pay-later options
    • No setup or annual maintenance fee on the standard plan

    Cons

    • EMI, Amex, Diners and international payments cost 3%
    • Mainly for businesses registered in India
    • Fewer adjacent banking products than Razorpay
    Visit PayU India Compare with RazorpayDetails and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayU India a good Razorpay alternative?

    Verified facts

    6 of 6 verified
    Domestic fee
    2% on cards, netbanking, wallets and BNPL
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    International/EMI fee
    3%
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Setup fee
    None, and no annual maintenance fee
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Payment methods
    150+
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Starting price
    2% per domestic transaction (Standard plan)
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    International and EMI fee
    3% per transaction
    Checked Nov 8, 2026payu.in(opens source in a new tab)
  3. Stripe logo

    3. Stripe

    Best for: SaaS companies and marketplaces that sell internationally and want strong developer tooling

    PaidWeb, iOS, Android

    61.8

    score / 100

    Why switch from Razorpay

    Better fit if you sell mostly to customers outside India and need many currencies.

    Pros

    • Well-documented APIs with a full test mode
    • Large set of payment methods and currencies from one integration
    • Billing, tax, fraud and marketplace payouts available as add-ons

    Cons

    • Not available to businesses in every country
    • Add-on products like Billing and Tax carry their own fees
    • Rates vary by country and payment method, so costs need checking per market
    Visit Stripe Compare with RazorpayDetails and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Stripe a good Razorpay alternative?

    Verified facts

    7 of 7 verified
    Setup and monthly fees
    None on standard pricing
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Currencies
    135+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Payment methods
    100+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Tax automation
    Calculations in 100+ countries
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Pricing
    Pay as you go, no setup or monthly fees
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Custom domain price
    $10 per month
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Card pricing
    2.9% + a fixed fee per successful domestic card charge
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
  4. PayPal logo

    4. PayPal

    Best for: People who pay online often or send money to friends across iPhone and Android

    Free plan + paidWeb, iOS, Android

    51.2

    score / 100

    Why switch from Razorpay

    Widely recognised checkout for collecting payments from international customers, which buyers abroad already trust.

    Pros

    • Accepted at a very large number of online stores
    • Works on any phone and in the browser
    • Purchase Protection on eligible purchases

    Cons

    • Fees on some transfers, currency conversion and receiving payments
    • Not a full tap-to-pay phone wallet in most countries
    • Features like Pay Later and crypto vary by country
    Visit PayPal Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayPal a good Razorpay alternative?

    Verified facts

    8 of 8 verified
    Account cost
    Free to open
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Platforms
    iOS, Android
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buy now, pay later
    Pay in 4, Pay Monthly (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buyer protection
    Purchase Protection
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    PayPal Checkout fee
    3.49% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Card payments fee
    2.99% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Fixed fee
    $0.49 per US dollar transaction
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    International fee
    Extra 1.50% on international commercial payments
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
  5. Instamojo logo

    5. Instamojo

    Best for: Indian small sellers who want a store, payment links and shipping in one rupee-priced account

    Free plan + paidWeb, Android, iOS

    50.0

    score / 100

    Why switch from Razorpay

    Indian payment links and a simple online store in one, aimed at small sellers who don't need a developer integration.

    Pros

    • Free plan includes a working store with cash on delivery and shipping integrations
    • Payment gateway is built in, so there is no separate gateway to sign up for
    • Also sells digital products, workshops and event tickets

    Cons

    • Free and Starter plans take 5% + ₹3 per sale, far higher than a standalone gateway
    • Digital products carry an even higher transaction fee
    • Built for selling in India; not a fit for brands focused on overseas customers
    Visit Instamojo Details and reviews
    How this score is calculated
    Editorial fit ×0.338
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Instamojo a good Razorpay alternative?

    Verified facts

    8 of 8 verified
    Free plan
    Yes, Lite at ₹0 a year plus 5% + ₹3 per sale
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Transaction fee (free plan)
    5% + ₹3 per sale
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Payment modes
    UPI, cards, netbanking, wallets
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Users
    20 lakh+ small businesses
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Starting price
    ₹6,999 a year (Starter online store)
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Growth plan
    ₹14,999 a year
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Free trial
    No
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Money-back guarantee
    14 days
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
  6. Cc

    6. CCAvenue

    Best for: Indian merchants who want a long-established gateway with multi-currency checkout

    PaidWeb, Android, iOS

    42.3

    score / 100

    Why switch from Razorpay

    Long-established gateway with multi-currency processing for international buyers.

    Pros

    • Wide range of payment options including cards, UPI, netbanking and wallets
    • Multi-currency processing for charging international buyers
    • No setup fee on the standard online plan

    Cons

    • Annual software upgradation charge applies from the second year
    • Multi-currency transactions cost noticeably more than domestic ones
    • Dashboard and developer experience feel dated next to newer gateways
    Visit CCAvenue Compare with RazorpayDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is CCAvenue a good Razorpay alternative?

    Verified facts

    8 of 8 verified
    Platform fee
    2.00% per online transaction + GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Setup fee
    None
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Multi-currency
    3.5% per transaction + GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Annual charge
    ₹1,200 + GST a year, waived in the first year
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Merchants
    Nearly 3 million
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Starting price
    2% per domestic transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    International cards
    3% per transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Multi-currency processing
    3.5% per transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
  7. Paytm for Business logo

    7. Paytm for Business

    Best for: Indian businesses that want online and in-store payments from one widely recognised provider

    PaidWeb, Android, iOS

    42.3

    score / 100

    Why switch from Razorpay

    No setup or maintenance fee, with QR and card machines for in-store sales too.

    Pros

    • Covers online gateway, payment links, QR codes and card machines
    • No setup or annual maintenance fee on the payment gateway
    • Plugins for Shopify, WooCommerce, Magento and other platforms

    Cons

    • Card rates vary by category and merchant size, which makes costs harder to predict
    • Only for businesses operating in India
    • Card machine and soundbox hardware are separate products with their own terms
    Visit Paytm for Business Compare with RazorpayDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Paytm for Business a good Razorpay alternative?

    Verified facts

    5 of 5 verified
    Setup fee
    None, and no annual maintenance charges
    Checked Nov 8, 2026business.paytm.com(opens source in a new tab)
    Payment methods
    100+ including UPI, cards, netbanking, EMI
    Checked Nov 8, 2026business.paytm.com(opens source in a new tab)
    Settlement
    T+1, same-day or on-demand
    Checked Nov 8, 2026business.paytm.com(opens source in a new tab)
    Plugins
    Shopify, WooCommerce, Magento
    Checked Nov 8, 2026business.paytm.com(opens source in a new tab)
    UPI transaction fee
    0%, free on UPI and RuPay cards
    Checked Nov 8, 2026business.paytm.com(opens source in a new tab)
  8. Easebuzz logo

    8. Easebuzz

    Best for: Indian schools, NBFCs and housing businesses that need recurring and instalment collections

    PaidWeb, Android, iOS

    42.3

    score / 100

    Why switch from Razorpay

    Indian gateway with strong recurring, fee and instalment collection tools.

    Pros

    • 150+ payment modes including UPI, cards, netbanking and e-NACH
    • T+1 settlement on all payment modes
    • Many collection tools (fees, invoices, split payments) on one dashboard

    Cons

    • No public rate card; pricing is shared after sign-up and KYC
    • Domestic processing is INR only
    • Product range is broad and can be confusing to navigate
    Visit Easebuzz Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Easebuzz a good Razorpay alternative?

    Verified facts

    4 of 4 verified
    Settlement
    T+1 working day
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Payment modes
    150+
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Licence
    RBI authorised payment aggregator
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Currency
    INR
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)

The best Razorpay alternative for…

The highest-ranked app in this list for each need.

Cashfree Payments logo

Best Razorpay alternative for most people

Cashfree Payments

Similar Indian gateway with a slightly lower standard rate and a strong payouts product.

PayPal logo

Best Razorpay alternative for a free plan you can upgrade

PayPal

Widely recognised checkout for collecting payments from international customers, which buyers abroad already trust.

Stripe logo

Best Razorpay alternative for iPhone and Android

Stripe

Better fit if you sell mostly to customers outside India and need many currencies.

PayU India logo

Best Razorpay alternative for working in the browser

PayU India

Long-established Indian gateway with the same 2% domestic rate and 150+ payment methods.

Razorpay alternatives: common questions

What is the best alternative to Razorpay?

Cashfree Payments ranks first right now. Similar Indian gateway with a slightly lower standard rate and a strong payouts product. PayU India and Stripe follow it in our ranking.

Razorpay vs Cashfree Payments: what's the difference?

Both Razorpay and Cashfree Payments are paid products. Verified prices: Razorpay Custom pricing above ₹5,00,000 monthly revenue, Cashfree Payments ₹20 per IMPS/NEFT/RTGS payment. Only Razorpay runs on iOS and Android.

Is Razorpay free?

Razorpay is a paid product. Standard pricing: 2% + GST per successful transaction; Setup cost: ₹0 setup and ₹0 maintenance; Free trial: 0% gateway fee for the first 90 days; Enterprise plan: Custom pricing above ₹5,00,000 monthly revenue. Checked on Razorpay's own site, November 2026.

How much do Razorpay alternatives cost?

Verified prices for the top-ranked Razorpay alternatives: Cashfree Payments, ₹20 per IMPS/NEFT/RTGS payment; Stripe, $10 per month; Instamojo, ₹6,999 a year (Starter online store). Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to Razorpay?

Yes. PayPal (free plan + paid) and Instamojo (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Razorpay?

None of the 8 alternatives in this list is open source.

Why do people switch from Razorpay?

The complaints we hear most: built for Indian businesses; not a general global processor; standard fee applies even to UPI payments, which carry no bank MDR; account activation needs KYC documents and review before going live.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Razorpay, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.