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E-Commerce · head to head

BackToMe vs Razorpay

BackToMe logo

BackToMe

E-Commerce

Right-of-withdrawal handling for European e-commerce

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: BackToMe the scope is European consumer law. A merchant selling outside the EU has no use for it.; 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.
  • They diverge on capability: BackToMe covers Floating withdrawal button, Razorpay covers Domestic payment methods.
  • Prices and features above were last checked on 15 September 2026.

Where they differ

Only the attributes on which BackToMe and Razorpay actually diverge.

Attributes where BackToMe and Razorpay differ
AttributeBackToMeRazorpay
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 BackToMe

  • Floating withdrawal button
  • Automatic acknowledgement
  • Sealed archiving
  • Withdrawal dashboard
  • One-click proof export
  • Multi-store from one account

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.

BackToMe

  • Meeting EU Directive 2023/2673 withdrawal obligationsnot Razorpay
  • Producing dated proof of a cancellation in a customer disputenot Razorpay
  • Handling withdrawal requests across several EU languagesnot Razorpay
  • Running one withdrawal process across multiple storefrontsnot Razorpay
  • Passing a consumer-protection audit with exportable recordsnot Razorpay

Razorpay

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

Where each one falls short

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

BackToMe

  • The scope is European consumer law. A merchant selling outside the EU has no use for it.
  • The site and dashboard are French. The customer-facing button covers 24 EU languages, but the merchant side is not multilingual.
  • One price, one feature set. There is no tier for a shop that wants only the archive or only the button.
  • It runs as an injected script on the storefront, so a shop with a strict content security policy has an extra step before the button will render.
  • A young French vendor with no independent review coverage, so there is nothing outside the vendor's own material to corroborate the archive's evidentiary weight.

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

BackToMe

€25/month
  • Monthly$25/month
    • Per active store, excluding VAT
    • Unlimited withdrawal requests
    • 24 EU languages
  • Annual$250/year
    • Per store, excluding VAT
    • Two months free against the monthly rate
    • Everything in the monthly plan

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 BackToMe if

  • You need floating withdrawal button.
  • You also want automatic acknowledgement.
BackToMe review

Choose Razorpay if

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

Questions people ask

Is BackToMe or Razorpay better?
Neither clearly leads. BackToMe 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, BackToMe or Razorpay?
BackToMe starts at €25/month and Razorpay at On request.
Does BackToMe or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is BackToMe best used for?
BackToMe is most often used for meeting eu directive 2023/2673 withdrawal obligations, producing dated proof of a cancellation in a customer dispute, handling withdrawal requests across several eu languages, running one withdrawal process across multiple storefronts. Of those, meeting eu directive 2023/2673 withdrawal obligations and producing dated proof of a cancellation in a customer dispute are not what Razorpay is typically brought in for.
What can BackToMe do that Razorpay cannot?
BackToMe covers Floating withdrawal button, Automatic acknowledgement, Sealed archiving, Withdrawal dashboard. Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

BackToMe: What does BackToMe cost?

25 euros excluding VAT per month per active store, or 250 euros excluding VAT per year, which works out at two months free. The price does not change with the number of withdrawal requests.

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.

BackToMe: Which regulation does it address?

EU Directive 2023/2673, which governs the consumer right of withdrawal on distance contracts in e-commerce.

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.

BackToMe: Is there a free trial?

Seven days. A card is required to start it but nothing is charged upfront, and cancelling before day seven costs nothing. There is also a 30-day money-back guarantee.

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.

BackToMe: Are staging and development stores billed?

No. Only activated stores are billed, and the withdrawal button does not display on inactive ones.

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.

BackToMe: What happens to the archive if I cancel?

Cancellation is available at any time with no commitment, premium access runs to the end of the paid period, and the account stays open with archived withdrawals and proofs accessible indefinitely. Reactivation is self-service.

Source
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.

BackToMe: Which e-commerce platforms does it support?

Shopify, WordPress, WooCommerce, PrestaShop, Wix, Webflow, WiziShop and Squarespace, plus custom builds through a single line of script. The vendor puts installation at five minutes on any platform.

Source
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