Razorpay

Razorpay handles over $100 billion in annualized transaction volume for Indian businesses, from startups to enterprises like Zomato and Swiggy. It's not just a payment button—it's a complete money management suite.

What it does

Razorpay provides payment processing via credit/debit cards, UPI, net banking, and wallets, with instant settlement options. It also offers automated recurring billing, payroll management, and lending products through Razorpay Capital.

Best for

• Indian e-commerce stores needing UPI and card payments
• SaaS companies requiring subscription billing with GST compliance
• Marketplaces and platforms managing split payments to vendors

Strengths

• Zero setup cost and no annual maintenance fees
• 99.9% uptime with real-time transaction monitoring dashboard
• Built-in fraud detection using machine learning models

• 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