CCAvenue vs Razorpay

Updated November 2026 · AppBreakup editorial

CCAvenue

Long-established Indian payment gateway with many payment options and multi-currency processing.

Paid

Visit CCAvenue CCAvenue profile

Razorpay

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

Paid

Visit Razorpay Razorpay profile

The short answer

Razorpay suits Indian startups and businesses that want one modern account for UPI, cards and netbanking plus payouts, with no annual charge. CCAvenue suits Indian merchants selling abroad who need multi-currency checkout from a long-established gateway. Both charge 2% plus GST on standard domestic transactions; the biggest differences are CCAvenue's multi-currency processing and yearly charge versus Razorpay's newer developer experience and banking add-ons.

CCAvenue or Razorpay: our take

CCAvenue, run by Infibeam Avenues, is one of India's oldest payment gateways and says it serves nearly 3 million merchants. It accepts cards, netbanking, UPI, wallets and EMI, and adds invoices, subscriptions, payment links and a simple storefront. Its standout feature is multi-currency processing, which lets Indian merchants charge international customers in currencies such as US dollars, pounds, euros and dirhams. Pricing is 2% per domestic transaction + 18% GST, 3% for international cards and 3.5% for multi-currency processing, with no setup fee. From the second year there is an annual charge of ₹1,200 + GST. Its dashboard and integration experience feel dated next to newer gateways.

Razorpay is an RBI-authorised payment aggregator covering cards, netbanking, UPI, EMI and wallets in one integration, with settlement to an Indian bank account. It also offers payment links, payment pages, subscriptions, invoices and QR codes, and RazorpayX adds payouts, current accounts and corporate cards. The standard fee is 2% + GST per successful transaction, with ₹0 setup and ₹0 maintenance, and new accounts get a 0% gateway fee for the first 90 days. Custom pricing applies above ₹5,00,000 monthly revenue. The standard fee applies even to UPI, and activation needs KYC review. It is built for businesses registered in India rather than as a global processor.

Both run through a web dashboard and mobile apps. On domestic payments the headline rate is the same, so the decision turns on everything else. Razorpay has no recurring annual charge, a free introductory period, APIs and plugins for common store platforms, and a banking side for paying money out. CCAvenue's advantage is selling to customers abroad in their own currency, at a higher per-transaction cost.

Pick Razorpay if you are an Indian startup, D2C brand, SaaS company or freelancer selling mainly to Indian customers and want collections and payouts in one place. Pick CCAvenue if a meaningful share of your buyers are overseas and you want to show and charge prices in their currency.

Choose CCAvenue if…

Indian merchants who want a long-established gateway with multi-currency checkout
Wide range of payment options including cards, UPI, netbanking and wallets
Multi-currency processing for charging international buyers

Choose Razorpay if…

Indian businesses that want a single gateway for UPI, cards and netbanking plus payouts
Covers UPI, cards, netbanking, EMI and wallets in one integration
No setup fee or annual maintenance charge on the standard plan

What is CCAvenue?

CCAvenue is one of India's oldest payment gateways, run by Infibeam Avenues. Businesses add its checkout to a website or app to accept credit and debit cards, netbanking, UPI, wallets and EMI, and can also take payments by invoice, subscriptions, a simple storefront and payment links. A notable strength is multi-currency processing, which lets Indian merchants show prices and charge international customers in currencies such as US dollars, pounds, euros and dirhams. Pricing is a percentage platform fee per transaction that varies by payment method, with no setup fee; there is also a yearly software upgradation charge after the first year, and custom pricing for large merchants. It suits Indian businesses of all sizes, especially those selling abroad, though its dashboard and integration experience feel older than newer gateways. Management is through a web dashboard and mobile app.

What is 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.

Side by side

Attribute	CCAvenue	Razorpay
Pricing	Paid	Paid
Open source	No	No
Self-hostable	No	No
Platforms	Web, Android, iOS	Web, iOS, Android
Best for	Indian merchants who want a long-established gateway with multi-currency checkout	Indian businesses that want a single gateway for UPI, cards and netbanking plus payouts
Status	Active	Active

Verified facts, compared

Facts both apps publish, checked on each vendor's own site.

Fact	CCAvenue	Razorpay
Setup fee	None	None, and no annual maintenance charge