Softwr

Accounting & Finance · head to head

Adyen vs Razorpay

Adyen logo

Adyen

Accounting & Finance

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
R

Razorpay

E-commerce

Accept, process and disburse payments with India's leading payments platform

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee

Where they differ

Only the attributes on which Adyen and Razorpay actually diverge.

Attributes where Adyen and Razorpay differ
AttributeAdyenRazorpay
Starting price$29/monthOn request
Pricing modelusage-basedtransaction
PlatformsWeb, Api, PosWeb
CategoryAccounting & FinanceE-commerce
Founded2006Unknown

Identical on both: free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Razorpay

Nothing recorded that Adyen does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Razorpay
  • Accepting local payment methods across multiple countriesnot Razorpay
  • Settling in several currencies through linked bank accountsnot Razorpay
  • Unified online and in-person paymentsnot Razorpay

Razorpay

No use cases recorded yet. See the Razorpay review.

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose Razorpay if

Nothing in the data separates Razorpay from Adyen on the points above - pick on price and on how each one feels to use.

Razorpay review

Questions people ask

Is Adyen or Razorpay better?
Neither clearly leads. Adyen starts at $29/month and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Razorpay?
Adyen starts at $29/month and Razorpay at On request.
Does Adyen or Razorpay run on more platforms?
Adyen runs on Web, Api, Pos. Razorpay runs on Web.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Razorpay is typically brought in for.
What can Adyen do that Razorpay cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing.
ShareXLinkedInRedditWhatsAppEmail

Related pages

More on Adyen

More on Razorpay

Keep looking

Other head to heads