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E-Commerce · head to head

Checkout.com vs Razorpay

Checkout.com logo

Checkout.com

E-Commerce

Your business deserves tailored pricing based on your needs

From
On request
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: Checkout.com no rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales; 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 Checkout.com and Razorpay actually diverge.

Attributes where Checkout.com and Razorpay differ
AttributeCheckout.comRazorpay
Pricing modelquotetransaction

Identical on both: starting price (On request), 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 Checkout.com

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.

Checkout.com

  • Processing card payments across 150+ currenciesnot Razorpay
  • Taking domestic payments in 45+ countriesnot Razorpay
  • Interchange plus plus processing for a business that wants itemised card association and processor costsnot Razorpay

Razorpay

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

Where each one falls short

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

Checkout.com

  • No rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Both a flat rate and interchange plus plus are offered without either being quoted, so a buyer cannot tell which model they will be given
  • Every route to a number runs through the sales team

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

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

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 Checkout.com if

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

Checkout.com review

Choose Razorpay if

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

Questions people ask

Is Checkout.com or Razorpay better?
Neither clearly leads. Checkout.com starts at On request and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Checkout.com or Razorpay?
Checkout.com starts at On request and Razorpay at On request.
Does Checkout.com or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Checkout.com best used for?
Checkout.com is most often used for processing card payments across 150+ currencies, taking domestic payments in 45+ countries, interchange plus plus processing for a business that wants itemised card association and processor costs. Of those, processing card payments across 150+ currencies and taking domestic payments in 45+ countries are not what Razorpay is typically brought in for.
What can Checkout.com do that Razorpay cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

Checkout.com: How is Checkout.com pricing structured?

Checkout.com offers flat-rate pricing based on your business profile and risk category. They also provide interchange++ pricing model showing transparent card association and processor fees. No setup fees, account maintenance fees, or surprise charges are applied.

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.

Checkout.com: Does Checkout.com offer pricing for nonprofits?

Yes, Checkout.com provides free payment processing for registered charities in countries where they operate. Contact their sales team to verify eligibility and activate the charity program.

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.

Checkout.com: What support is included in Checkout.com pricing?

All plans include dedicated account management, risk and fraud management tools, and integration support at no additional cost.

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.

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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