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Accounting · head to head

Billin vs RazorpayX

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
RazorpayX logo

RazorpayX

Accounting

Indian business banking layer for current accounts, automated payouts, vendor payments and payroll

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; 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.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Billin and RazorpayX actually diverge.

Attributes where Billin and RazorpayX differ
AttributeBillinRazorpayX
Starting price€6.6/monthOn request
Pricing modelsubscriptionusage-based

Identical on both: free tier (No), platforms (Web), 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 Billin

Nothing recorded that RazorpayX does not also cover.

Only in RazorpayX

  • Current account
  • Payout API
  • Bulk payouts
  • Payout links
  • Vendor payments
  • Payroll
  • Statutory filing support
  • Corporate cards

What people use each for

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

Billin

  • Invoice managementnot RazorpayX
  • Multi-user accounting for freelancers and small businessesnot RazorpayX

RazorpayX

  • An Indian marketplace settling thousands of seller payouts on a schedule that no bank portal can supportnot Billin
  • A startup running payroll for a growing team that needs provident fund, employee state insurance and tax deduction handled without an in house specialistnot Billin
  • A company paying many vendors monthly that needs tax deducted at source calculated and recorded against each paymentnot Billin
  • A product team that needs disbursements to happen from application code with webhook confirmation rather than from a treasury spreadsheetnot Billin

Where each one falls short

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

Billin

  • Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
  • Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

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

Billin

€6.6/month
  • Plan Básico$80/year
    • 0-5 clients
    • 1 user
    • Max 10 products
  • Plan Básico$96/month
  • Plan Pro$168/year
    • 6-50 clients
    • 3 users
    • Max 50 products
  • Plan Pro$204/month

RazorpayX

On request

No published plan breakdown. See the RazorpayX review.

Which should you pick?

Choose Billin if

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

Billin review

Choose RazorpayX if

  • You need current account.
  • You also want payout api.
RazorpayX review

Questions people ask

Is Billin or RazorpayX better?
Neither clearly leads. Billin starts at €6.6/month and RazorpayX at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or RazorpayX?
Billin starts at €6.6/month and RazorpayX at On request.
Does Billin or RazorpayX run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Billin best used for?
Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what RazorpayX is typically brought in for.
What can Billin do that RazorpayX cannot?
RazorpayX covers Current account, Payout API, Bulk payouts, Payout links.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source
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.

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source
RazorpayX: Can a company registered outside India use it?

No. It serves Indian registered entities, rupee accounts and Indian statutory requirements.

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source
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.

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.

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.

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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