GetResponse is an AI-powered email marketing and automation platform with unlimited monthly sends, landing pages, and a drag-and-drop workflow builder from $13.30/mo.
Free·from $13.30/mo
About Razorpay
What is Razorpay?
Razorpay is a complete payment and financial management platform for Indian businesses. It solves the problem of fragmented payment processing by offering 100+ payment methods (UPI, cards, net banking, wallets) in one integrated system, with instant settlements and built-in fraud detection.
Key Use Cases
Razorpay is ideal for Indian e-commerce stores needing UPI and card payments, SaaS companies requiring automated recurring billing with GST compliance, and marketplaces or platforms that need to split payments to multiple vendors. It also suits startups and enterprises looking to automate payroll, manage business banking (RazorpayX), and access credit through Razorpay Capital.
Who It Is For (and Not For)
Razorpay is built for Indian businesses of all sizes—from startups to large enterprises like Zomato and Swiggy. It is not designed for international-only businesses without an Indian presence, as its core features are optimized for the Indian market (e.g., UPI, GST invoicing, Indian bank settlements).
Key features
- Payment Gateway — Accept 100+ payment modes including UPI, cards, net banking, and wallets
- Instant Settlements — Get funds in your bank account within minutes instead of T+1 days
- Subscription Engine — Create recurring billing plans with smart retry logic and dunning management
- Route — Automatically split payments between multiple parties for marketplace models
- RazorpayX — Business banking with automated payroll, vendor payments, and expense management
- Smart Collect — Generate virtual accounts for each customer to reconcile payments automatically
SaaSpartout Score
7.6
/10
Editorial score from our review methodology — not user ratings.
◆ AI advisor — 30 seconds, no signup
Why are you looking at Payments & Merchant Services tools today?
Razorpay Pricing
Razorpay pricing: Free · 2% per transaction (cards/UPI) · from ₹0 setup. Billing model: Freemium.
Free Plan
No setup fee, no annual maintenance charges. Pay only a 2% transaction fee on each successful credit/debit card and UPI payment.
Subscription Add-Ons
Recurring billing and advanced features like Smart Collect and Route are available on request with custom pricing; contact Razorpay for a quote.
Note: No free trial is mentioned on the website; a free plan is available with zero setup cost.
Frequently asked questions
How much does Razorpay cost?
Razorpay has no setup fee and no annual maintenance charge. Transaction fees are 2% per transaction for credit/debit cards and UPI payments. Additional features like subscriptions and route may have custom pricing.
Is Razorpay free to use?
Yes, Razorpay has a free plan with zero setup cost and no annual maintenance fees. You only pay a per-transaction fee (2% for cards and UPI).
What is Razorpay used for?
Razorpay is a payment gateway for Indian businesses to accept online payments via UPI, cards, net banking, and wallets. It also offers recurring billing, business banking (RazorpayX), and instant settlements.
Who is Razorpay best for?
Razorpay is best for Indian e-commerce stores, SaaS companies with subscriptions, marketplaces needing split payments, and startups/enterprises wanting integrated payroll and banking.
What are the top alternatives to Razorpay?
Top alternatives include Cashfree, PayU India, and BillDesk. Razorpay stands out for its zero setup fee, instant settlements, and built-in fraud detection.
Does Razorpay support international payments?
Razorpay supports international payments via international card processing, but its core features are optimized for the Indian market (UPI, net banking, Indian bank settlements). Check with Razorpay for specific cross-border needs.
