# Alternatives to Razorpay

India-first full-stack payments platform

Razorpay ranks #9 of 13 in Payment processors, with an Alt Score of 79. It is proprietary and available on Web, iOS and Android. 11 of 13 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/razorpay/
Category: Payment processors

## Overview

- **Who it's for**: Businesses selling in India, including those without an Indian entity who need to settle globally, that need to accept payments, bank, and run payroll.
- **What you get**: A payment gateway supporting 100+ payment methods (UPI, cards, RuPay, netbanking) alongside business banking (current accounts), automated payroll, and in-store POS payments.
- **How it works**: Businesses integrate Razorpay's payment gateway and APIs into their website or app to accept payments, and can add banking, payroll, or POS products from the same dashboard.

## Profile

- **License**: Proprietary (verified 2026-07-12)
- **Pricing model**: Usage-based (verified 2026-07-12)
- **Starts at**: 2% + GST per transaction (verified 2026-07-12)
- **Platforms**: Web, iOS, Android
- **Status**: active (verified 2026-07-12)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Stripe](https://altcatalog.com/alternatives/stripe.md) | 96 | Proprietary | Web, iOS, Android |
| 2 | [Adyen](https://altcatalog.com/alternatives/adyen.md) | 93 | Proprietary | Web, iOS, Android |
| 3 | [Mollie](https://altcatalog.com/alternatives/mollie.md) | 93 | Proprietary | Web, iOS, Android |
| 4 | [Square](https://altcatalog.com/alternatives/square.md) | 89 | Proprietary | Web, iOS, Android |
| 5 | [Checkout.com](https://altcatalog.com/alternatives/checkout-com.md) | 86 | Proprietary | Web, iOS, Android |
| 6 | [PayPal](https://altcatalog.com/alternatives/paypal.md) | 86 | Proprietary | Web, iOS, Android, Browser extension |
| 7 | [Braintree (PayPal)](https://altcatalog.com/alternatives/braintree.md) | 83 | Proprietary | Web, iOS, Android |
| 8 | [Helcim](https://altcatalog.com/alternatives/helcim.md) | 83 | Proprietary | Web, iOS, Android, Windows |
| 9 | [Worldpay](https://altcatalog.com/alternatives/worldpay.md) | 79 | Proprietary | Web, iOS, Android |
| 10 | [GoCardless](https://altcatalog.com/alternatives/gocardless.md) | 59 | Proprietary | Web |
| 11 | [Amazon Pay](https://altcatalog.com/alternatives/amazon-pay.md) | 55 | Proprietary | Web |
| 12 | [Authorize.net](https://altcatalog.com/alternatives/authorize-net.md) | 55 | Proprietary | Web, iOS, Android |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Payment processors checklist | Razorpay | Stripe | Adyen | Mollie | Square | Checkout.com |
|---|---|---|---|---|---|---|
| Pricing model | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based |
| Starts at | 2% + GST per transaction | 2.9% + $0.30 per transaction | $0.13 + Interchange++ + 0.60% per transaction (cards) | EUR 0.32 per transaction (iDEAL) | 2.9% + $0.30 per transaction | ? |
| License | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary |
| Platforms | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android |
| Hosted checkout / payment links | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring billing & subscriptions | Yes | Yes | Yes | Yes | Yes | Yes |
| In-person / POS payments | Yes | Yes | Yes | Yes | Yes | ? |
| Local payment methods (wallets, bank debit) | Yes | Yes | Yes | Yes | Yes | Yes |
| Multi-currency settlement | No | Yes | Yes | Yes | No | Yes |
| Marketplace / split payments | Yes | Yes | Yes | Yes | Yes | Yes |
| Built-in fraud & risk tools | Yes | Yes | Yes | Yes | Yes | Yes |
| Dispute / chargeback management | Yes | Yes | Yes | Yes | Yes | Yes |
| Sales-tax calculation add-on | ? | Yes | ? | ? | Yes | ? |
| PCI DSS Level 1 | Yes | Yes | Yes | Yes | Yes | Yes |
| Developer API & SDKs | Yes | Yes | Yes | Yes | Yes | Yes |
| Interchange++ / cost-plus pricing | ? | Partial | Yes | Yes | Partial | Yes |
| Instant / fast payouts | Yes | Yes | Yes | Yes | Yes | Yes |

## Sources

Sources for Razorpay. Each alternative is sourced on its own page.

- **Pricing model**: Usage-based — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay charges 2% + GST per transaction. This includes payment processing for all modes cards, UPI, wallets, and net banking”
- **Starts at**: 2% + GST per transaction — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay charges 2% + GST per transaction.”
- **License**: Proprietary — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “© Razorpay 2026 All Rights Reserved”
- **Status**: active — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “© Razorpay 2026 All Rights Reserved”
- **Platforms**: Web, iOS, Android — <https://razorpay.com/docs/payments/payment-gateway/ios-integration/standard> (verified 2026-07-12)
  - Quote: “Check the prerequisites before you integrate with Razorpay iOS Standard Checkout.”
- **Hosted checkout / payment links**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay Payment Links let businesses collect payments instantly by sharing a URL via WhatsApp, SMS, or email. No website or tech integration needed.”
- **Recurring billing & subscriptions**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay Subscriptions lets businesses automate recurring billing across all payment methods — cards, UPI Autopay, e-Mandate, and Physical NACH.”
- **In-person / POS payments**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay POS provides smart payment terminals for offline and in-store payment acceptance.”
- **Local payment methods (wallets, bank debit)**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “100+ payment methods: cards, UPI, netbanking, wallets, BNPL, EMI, Pay Later”
- **Multi-currency settlement**: No — <https://razorpay.com/docs/payments/international-payments/currency-conversion> (verified 2026-07-12)
  - Quote: “Razorpay Settlements occur in INR based on the conversion rate at the time of payment.”
- **Marketplace / split payments**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay Route allows marketplaces, aggregators, and platforms to split incoming payments and transfer funds to multiple linked accounts automatically.”
- **Built-in fraud & risk tools**: Yes — <https://razorpay.com/payment-gateway/> (verified 2026-07-12)
  - Quote: “Razorpay's Risk Engine proactively protects your business from fraud using AI-driven analysis. It monitors every transaction in real-time and helps reduce chargebacks, fake orders, and financial loss.”
- **Dispute / chargeback management**: Yes — <https://razorpay.com/docs/payments/disputes> (verified 2026-07-12)
  - Quote: “Create Disputes and Chargebacks from the Razorpay Dashboard. Check the notifications and how disputes are handled for international payments.”
- **PCI DSS Level 1**: Yes — <https://razorpay.com/payment-gateway/> (verified 2026-07-12)
  - Quote: “Yes, Razorpay is PCI DSS Level 1 compliant, the highest level of certification for payment data security.”
- **Developer API & SDKs**: Yes — <https://razorpay.com/payment-gateway/> (verified 2026-07-12)
  - Quote: “powerful dashboard, instant refunds, PCI DSS Level 1 compliance, and advanced developer APIs.”
- **Instant / fast payouts**: Yes — <https://razorpay.com/pricing/> (verified 2026-07-12)
  - Quote: “Razorpay Instant Settlements lets businesses access their payment proceeds immediately — on-demand or same-day — instead of waiting for the standard T+2 settlement cycle.”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/