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E-Commerce · head to head

Authorize.net vs Razorpay

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Razorpay logo

Razorpay

E-Commerce

Indian payment gateway for domestic and international card, UPI and wallet acceptance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Authorize.net all-in-One plan charges 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee; Razorpay it requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Authorize.net and Razorpay actually diverge.

Attributes where Authorize.net and Razorpay differ
AttributeAuthorize.netRazorpay
Starting price$25/monthOn request
Pricing modelsubscriptiontransaction

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

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 Authorize.net

Nothing recorded that Razorpay does not also cover.

Only in Razorpay

  • Domestic payment methods
  • International cards
  • Payment links and pages
  • Route
  • RazorpayX
  • Subscriptions
  • Smart Collect
  • Dashboard and reporting

What people use each for

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

Authorize.net

  • E-commerce payment processingnot Razorpay
  • Recurring billing and subscription managementnot Razorpay
  • Multi-channel payment acceptancenot Razorpay

Razorpay

  • An Indian D2C brand needing UPI acceptance alongside cards in a single checkoutnot Authorize.net
  • An Indian SaaS business billing domestic customers on recurring mandatesnot Authorize.net
  • A marketplace that must split each payment between the platform and its sellersnot Authorize.net
  • A business that needs to take payment without building a website, using links and pagesnot Authorize.net

Where each one falls short

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

Authorize.net

  • All-in-One plan charges 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee
  • Gateway + eCheck plan limited to U.S.-based businesses only
  • eCheck processing includes $10 minimum monthly fee on Gateway + eCheck plan
  • Chargeback fees apply: $0 for standard processing but $25 for eCheck chargebacks

Razorpay

  • It requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.
  • The transaction percentage applies to the full order value including shipping and tax rather than to the product price, so low margin categories with heavy shipping give up more of their margin than the quoted rate suggests.
  • Payment aggregator authorisation sits with the Reserve Bank of India and has been withheld from aggregators before while applications were reviewed, so a dependency exists that no commercial contract term protects you from.
  • Default settlement runs on a delayed cycle with faster settlement sold as a paid add-on, so a business that buys stock from its takings either waits for cash or pays extra for it, and that cost belongs in the effective rate.
  • International card acceptance is priced higher and requires separate approval rather than being a configuration change, so cross-border revenue takes longer to switch on and earns less per order than a domestic sale.

Pricing, plan by plan

Authorize.net

$25/month
  • All-in-One$25/month
    • Merchant account and payment gateway
    • Transaction rate 2.9% + 30¢ per transaction
    • Multiple payment types (cards, Apple Pay, Google Pay)
  • Gateway Only$25/month
    • Payment gateway only
    • For existing merchant account holders
    • Transaction rate 10¢ per transaction + 10¢ daily batch fee
  • Gateway + eCheck$25/month
    • Payment gateway with eCheck support
    • eCheck rate 0.75% per transaction
    • Credit card rate 10¢ per transaction + 10¢ daily batch fee

Razorpay

On request
  • Domestic Payments$undefined/mo
    • 2% platform fee per successful transaction across all payment instruments
    • GST: 18% applies on the platform fee
    • No setup fees, annual maintenance charges, or refund fees
  • Corporate Cards$undefined/mo
    • 2.15% platform fee per transaction
  • International Payments - Cards$undefined/mo
    • Up to 3% per successful transaction
  • International Payments - Bank Transfers$undefined/mo
    • 1% per transaction with zero forex markup

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Razorpay if

  • You need domestic payment methods.
  • You also want international cards.
Razorpay review

Questions people ask

Is Authorize.net or Razorpay better?
Neither clearly leads. Authorize.net starts at $25/month and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Razorpay?
Authorize.net starts at $25/month and Razorpay at On request.
Does Authorize.net or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Authorize.net best used for?
Authorize.net is most often used for e-commerce payment processing, recurring billing and subscription management, multi-channel payment acceptance. Of those, e-commerce payment processing and recurring billing and subscription management are not what Razorpay is typically brought in for.
What can Authorize.net do that Razorpay cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

Authorize.net: How much does Authorize.net cost?

Authorize.net charges a $25/month gateway fee across all plans. Transaction rates vary: All-in-One plan charges 2.9% + 30¢ per card transaction, Gateway-only plan charges 10¢ per transaction + 10¢ daily batch fee, and Gateway + eCheck charges 0.75% for eCheck or 10¢ + 10¢ batch for credit cards.

Source
Razorpay: Can I use Razorpay if my company is not in India?

No. It requires an Indian entity and an Indian bank account for settlement. Overseas businesses selling into India need a different arrangement.

Authorize.net: Are there any setup or termination fees?

No setup fee or early termination fee applies to any Authorize.net plan. You can cancel your account without penalty once service usage stops.

Source
Razorpay: What is the real effective rate?

The domestic percentage on the full order value including shipping and tax, plus higher international rates, plus any charge for faster settlement and dispute handling. Compute it from a month of settlement reports, not the pricing page.

Authorize.net: What are the additional fees beyond the monthly gateway charge?

Beyond the $25/month fee, additional charges include Account Updater service at $0.25 per update, standard chargeback fees at $0 (but $25 for eCheck chargebacks), and returned item fee of $3 for eCheck payments. eCheck processing includes a $10 minimum monthly fee.

Source
Razorpay: How quickly do I get paid?

On a delayed settlement cycle by default, with faster settlement available as a paid feature. Plan working capital around the default, not the add-on.

Authorize.net: What payment types does Authorize.net accept?

Authorize.net accepts credit cards, Apple Pay, Google Pay, and eCheck payments (Gateway + eCheck plan and higher). All plans include automated recurring billing, customer information manager, digital invoicing, and advanced fraud detection.

Source
Razorpay: What is the main structural risk?

Regulatory. Indian payment aggregators operate under RBI authorisation and have previously been barred from onboarding new merchants. Keep a second processor integrated if payments are business-critical.

Razorpay: Does it support recurring billing?

Yes, built on India's mandate and e-mandate framework, which has its own rules on authentication and notification that differ from card-on-file recurring elsewhere.

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