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Free Razorpay alternatives: 2 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

2 of the 8 Razorpay alternatives we track can be used for free (free, open source, or with a free plan). PayPal and Instamojo rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 851.2
2Instamojo logoInstamojoFree plan + paid₹6,999 a year (Starter online store)NoWeb, Android, iOS8 of 850.0
  1. PayPal logo

    1. PayPalTop pick

    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)
  2. Instamojo logo

    2. 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)