Razorpay

Indian payment gateway for accepting UPI, cards, netbanking and wallets online, with business banking add-ons.

PaidPayment gateways

Updated Nov 2, 2026 · AppBreakup editorial · Web, iOS, Android

Visit Razorpay See 8 alternatives

Is Razorpay free?

No, it's a paid product

Setup cost:: ₹0 setup and ₹0 maintenance
Free trial:: 0% gateway fee for the first 90 days

Checked on Razorpay's site Nov 8, 2026

2 alternatives with a free option Full Razorpay pricing and plans

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All 8

Cashfree Payments
Bank transfer pricing: ₹20 per IMPS/NEFT/RTGS payment
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PayU India
Paid
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Stripe
Custom domain price: $10 per month
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Verified facts: 8 of 8
Alternatives ranked: 8
Approved reviews: 0
Visits sent from here: 0

About Razorpay

Razorpay is one of the most widely used payment gateways in India. Businesses add its checkout to a website or app and can then take payments by UPI, credit and debit cards, netbanking, EMI and popular wallets, with settlement to an Indian bank account. Beyond the core gateway it offers payment links, payment pages, subscriptions, invoices and QR codes, plus RazorpayX for payouts, current accounts and corporate cards. Pricing is pay-as-you-go: a percentage fee on each successful transaction, with no setup or annual maintenance charge on the standard plan, and custom rates for larger volumes. It suits Indian startups, D2C brands, SaaS companies and freelancers who want one account for collecting money and paying it out. It is built mainly for businesses registered in India; companies abroad can use it to collect INR from Indian customers, but it is not a global processor in the way Stripe is. Everything is managed from a web dashboard and mobile apps, with APIs and plugins for common store platforms.

Best for: Indian businesses that want a single gateway for UPI, cards and netbanking plus payouts.

Razorpay pricing (checked Nov 8, 2026)

Each line is quoted from Razorpay's own site, with the page it came from.

Plan or term	What it says	Checked	Source
Standard pricing	2% + GST per successful transaction	Nov 8, 2026	razorpay.com
Setup cost	₹0 setup and ₹0 maintenance	Nov 8, 2026	razorpay.com
Free trial	0% gateway fee for the first 90 days	Nov 8, 2026	razorpay.com
Enterprise plan	Custom pricing above ₹5,00,000 monthly revenue	Nov 8, 2026	razorpay.com

Full Razorpay pricing and cheaper alternatives

What works

Covers UPI, cards, netbanking, EMI and wallets in one integration
No setup fee or annual maintenance charge on the standard plan
Payment links, subscriptions and payouts live in the same dashboard

Why people leave

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

Razorpay vs Cashfree Payments, PayU India and Stripe

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

Attribute	Razorpay	Cashfree Payments	PayU India	Stripe
Pricing	Paid	Paid	Paid	Paid
Verified price	Custom pricing above ₹5,00,000 monthly revenue	₹20 per IMPS/NEFT/RTGS payment	—	$10 per month
Free plan	No	No	No	No
Open source	No	No	No	No
Self-hostable	No	No	No	No
Platforms	Web, iOS, Android	Web	Web	Web, iOS, Android

Full Razorpay vs Cashfree Payments comparison Full Razorpay vs PayU India comparison Full Razorpay vs Stripe comparison

Top Razorpay alternatives

See all 8

1
Cashfree Payments
Similar Indian gateway with a slightly lower standard rate and a strong payouts product.
68.8
2
PayU India
Long-established Indian gateway with the same 2% domestic rate and 150+ payment methods.
64.8
3
Stripe
Better fit if you sell mostly to customers outside India and need many currencies.
61.8
4
PayPal
Widely recognised checkout for collecting payments from international customers, which buyers abroad already trust.
51.2
5
Instamojo
Indian payment links and a simple online store in one, aimed at small sellers who don't need a developer integration.
50.0

Why people left Razorpay

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

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Razorpay: common questions

What is Razorpay?

Razorpay: Indian payment gateway for accepting UPI, cards, netbanking and wallets online, with business banking add-ons. Best for indian businesses that want a single gateway for UPI, cards and netbanking plus payouts. Available for Web, iOS and Android.

Is Razorpay free?

No, Razorpay is a paid product. Enterprise plan: Custom pricing above ₹5,00,000 monthly revenue (checked on Razorpay's own site).

How much does Razorpay cost?

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.

Does Razorpay have a free trial or refund?

Free trial: 0% gateway fee for the first 90 days. Source: Razorpay's own site.

Is Razorpay open source?

No, Razorpay is not open source.

What platforms does Razorpay run on?

Razorpay is available for Web, iOS and Android.

What are the best alternatives to Razorpay?

The highest-ranked Razorpay alternatives right now are Cashfree Payments, PayU India and Stripe. See the full ranked list for pricing, platforms and verified facts.

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.

See all 8 Razorpay alternatives

Razorpay facts

8 of 8 verified

Standard fee: 2% + GST per transaction; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “What does Razorpay's 2% + GST pricing include?”
Setup fee: None, and no annual maintenance charge; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “There are zero setup fees and zero Annual Maintenance Charges (AMC).”
Payment methods: Cards, netbanking, UPI and wallets; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “It gives you access to all payment modes including credit card, debit card, netbanking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp.”
Regulation: RBI-authorised payment aggregator; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “Payment aggregation services provided by Razorpay Payments Private Limited, An RBI Authorised”
Standard pricing: 2% + GST per successful transaction; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “What does Razorpay's 2% + GST pricing include?”
Setup cost: ₹0 setup and ₹0 maintenance; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “• Setup: ₹0 • Maintenance: ₹0”
Free trial: 0% gateway fee for the first 90 days; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “Talk to us Get a custom plan 2% 0% fee (down from 2%) Free payment gateway for first 90 days”
Enterprise plan: Custom pricing above ₹5,00,000 monthly revenue; Checked Nov 8, 2026razorpay.com(opens source in a new tab); “Enterprise Plan Is your monthly revenue more than ₹5,00,000?”