Accounting · head to head
Airbase vs RazorpayX
Airbase
Accounting
Spend management combining corporate cards, bill payment and expense claims, now part of Paylocity
- From
- $29/month
- Rated
- -
RazorpayX
Accounting
Indian business banking layer for current accounts, automated payouts, vendor payments and payroll
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Airbase card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.; RazorpayX everything is India specific, the rails, the currency, the statutory deductions and the filings, so a company that redomiciles or expands abroad gets no reuse and has to run a second banking and payroll stack in the new jurisdiction.
- They diverge on capability: Airbase covers Virtual cards per vendor, RazorpayX covers Current account.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Airbase and RazorpayX actually diverge.
Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).
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 Airbase
- Virtual cards per vendor
- Bill payment
- Expense reimbursement
- Unified approval policy
- Purchase intake and procurement
- Automated coding
- Receipt collection
- General ledger sync
Only in RazorpayX
- Current account
- Payout API
- Bulk payouts
- Payout links
- Vendor payments
- Payroll
- Statutory filing support
- Escrow and connected accounts
Both cover
- Corporate cards
What people use each for
The jobs each tool is most often brought in to do.
Airbase
- A company that has outgrown one shared company card and needs per person and per subscription cards with real limitsnot RazorpayX
- A finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwardsnot RazorpayX
- A controller trying to close the month without rebuilding card and expense coding from statements every timenot RazorpayX
- An organisation that wants spend approved before it is committed rather than discovered when the invoice arrivesnot RazorpayX
RazorpayX
- An Indian marketplace settling thousands of seller payouts on a schedule that no bank portal can supportnot Airbase
- A startup running payroll for a growing team that needs provident fund, employee state insurance and tax deduction handled without an in house specialistnot Airbase
- A company paying many vendors monthly that needs tax deducted at source calculated and recorded against each paymentnot Airbase
- A product team that needs disbursements to happen from application code with webhook confirmation rather than from a treasury spreadsheetnot Airbase
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Airbase
- Card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.
- The value depends on nearly all spend flowing through the platform, which makes partial adoption almost worthless and means the rollout is a change management exercise across every budget holder rather than a finance department deployment.
- Paylocity's acquisition in 2024 reorients the roadmap towards a human capital management suite, so expense reimbursement is likely to be well served while procurement and the more finance specific features compete for attention with payroll and HR priorities.
- Pricing combines a platform fee with tiering on features and users, and part of the economics rests on interchange rebates from card spend, so a company that puts most of its spend on transfers rather than cards pays the fee without earning the offset.
- The general ledger sync is a mapping you own, so a chart of accounts change, a new department dimension or a ledger migration means reworking the coding rules, and a bad mapping quietly posts correct approvals to the wrong accounts.
RazorpayX
- Everything is India specific, the rails, the currency, the statutory deductions and the filings, so a company that redomiciles or expands abroad gets no reuse and has to run a second banking and payroll stack in the new jurisdiction.
- The current account is held with a partner bank while the interface and the relationship belong to Razorpay, so an escalation about the account itself can fall between two organisations and the deposit protection you have depends on the bank, not on the fintech.
- Indian payment fintechs are subject to active central bank intervention, and Razorpay itself spent a period unable to onboard new merchants following a regulatory direction, so single provider concentration for both collections and payouts is a live continuity risk rather than a theoretical one.
- Payouts carry per transaction charges beyond an included allowance and payroll is charged per employee, so a high volume settlement business or a company hiring quickly finds the running cost scales directly with the activity that made the product attractive.
- Support is largely ticket based and account management is reserved for larger accounts, so a failed high value payout or a payroll run that does not credit becomes a queue rather than a call, which is a poor position to be in on a salary date.
Pricing, plan by plan
Airbase
$29/month- StandardFree
- Corporate cards
- Expense reports
- Bill pay
- Premium$10/month
- Advanced approvals
- NetSuite sync
- Procurement
- Enterprise$undefined/month
- Custom workflows
- API access
- Dedicated support
RazorpayX
On requestNo published plan breakdown. See the RazorpayX review.
Which should you pick?
Choose Airbase if
- You need virtual cards per vendor.
- You work on Web, Ios, Android.
- You also want bill payment.
Questions people ask
- Is Airbase or RazorpayX better?
- Neither clearly leads. Airbase starts at $29/month and RazorpayX at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Airbase or RazorpayX?
- Airbase starts at $29/month and RazorpayX at On request.
- Does Airbase or RazorpayX run on more platforms?
- Airbase runs on Web, Ios, Android. RazorpayX runs on Web.
- What is Airbase best used for?
- Airbase is most often used for a company that has outgrown one shared company card and needs per person and per subscription cards with real limits, a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards, a controller trying to close the month without rebuilding card and expense coding from statements every time, an organisation that wants spend approved before it is committed rather than discovered when the invoice arrives. Of those, a company that has outgrown one shared company card and needs per person and per subscription cards with real limits and a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards are not what RazorpayX is typically brought in for.
- What can Airbase do that RazorpayX cannot?
- Airbase covers Virtual cards per vendor, Bill payment, Expense reimbursement, Unified approval policy. RazorpayX covers Current account, Payout API, Bulk payouts, Payout links. Both handle Corporate cards.
Answered from the vendors’ own pages
Airbase: Does it work for companies outside the United States?
Partially. Some international spend and reimbursement is supported, but card issuing and the payment rails are strongest for United States entities. Confirm coverage for each country you operate in before assuming it replaces local processes.
RazorpayX: Is RazorpayX a bank?
No. The current account is provided by partner banks. RazorpayX supplies the interface, the payout automation and the payroll and compliance layer on top of it.
Airbase: Does Airbase replace our accounting system?
No. It manages spend and pushes coded transactions into the ledger. QuickBooks, NetSuite or whatever else you use stays.
RazorpayX: Can a company registered outside India use it?
No. It serves Indian registered entities, rupee accounts and Indian statutory requirements.
Airbase: What changed after the Paylocity acquisition?
Ownership and roadmap direction. The product continues, now positioned alongside Paylocity's payroll and HR products. If procurement is your main reason to buy, ask directly about investment in that module.
RazorpayX: Does the payroll module handle statutory compliance?
It calculates and supports the main statutory items, provident fund, employee state insurance, professional tax and income tax deduction, and assists with the periodic filings. Confirm the scope against your state specific obligations, since professional tax in particular varies.
Airbase: How is it priced?
A platform subscription with tiers, plus usage and user dimensions, partly offset by rebates on card spend. Because the rebate depends on card volume, model your own mix of card versus transfer spend before accepting a payback figure.
RazorpayX: What happens to my payouts if there is a regulatory action against Razorpay?
That has happened before in the form of a restriction on onboarding new merchants. Existing customers continued, but the episode is the reason many businesses keep a bank relationship and a second payout route alive alongside it.
Airbase: Can we use it for accounts payable only?
You can, but the approval consistency argument weakens considerably. Most of the reported benefit comes from cards, bills and reimbursements sharing one policy and one coding process.
RazorpayX: Does it connect to accounting software?
It integrates with the Indian accounting tools most of its customers use, so payouts and payroll postings do not have to be rekeyed. Check your specific product rather than assuming, because coverage is narrower than for global ledgers.
Airbase: Will our auditors accept the approval records?
The per transaction record of approver, receipt and coding is generally what auditors want to see for spend testing. Agree the sampling approach with them early, particularly around any spend that still happens outside the platform.
RazorpayX: How is it priced?
A plan fee with included payout volumes, per transaction charges beyond that, and a per employee charge for payroll. Model your actual payout count rather than the plan headline, because that is where the cost lands.
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