Softwr

Accounting · head to head

Cledara vs RazorpayX

Cledara logo

Cledara

Accounting

Software subscription management with a virtual card per application, priced from £100 a month

From
£100/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: Cledara control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.; 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: Cledara covers Virtual card per subscription, RazorpayX covers Current account.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Cledara and RazorpayX actually diverge.

Attributes where Cledara and RazorpayX differ
AttributeCledaraRazorpayX
Starting price£100/monthOn request
Pricing modelPer month by number of applicationsusage-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 Cledara

  • Virtual card per subscription
  • Cancel by card
  • Application inventory
  • Approval workflow
  • Invoice collection
  • Accounting export
  • Spend optimisation module
  • IT management and compliance modules

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.

Cledara

  • A finance team that cannot say what software the company pays for because everything is on three people's company cardsnot RazorpayX
  • A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot RazorpayX
  • A startup wanting approval on new software purchases before the first charge rather than at the auditnot RazorpayX
  • A finance function that spends days each month chasing SaaS invoices for the accountantnot RazorpayX

RazorpayX

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

Where each one falls short

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

Cledara

  • Control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.
  • Tier limits are set by number of applications rather than headcount, and twenty applications on the Basic plan is fewer than most companies of fifty actually run, so buyers often land on a higher tier than the entry price suggests.
  • The modules that turn it from a payment layer into a management platform, spend optimisation, IT management and compliance, are each priced at £150 to £200 a month, comparable to the base plan itself.
  • Usage data is inferred from payment and integration signals rather than deep application telemetry, so its judgement of whether a tool is underused is weaker than a discovery product built on single sign-on and API usage.
  • It is a card issuer as well as a software vendor, which adds financial counterparty considerations and means a change in its banking arrangements would affect how the company pays every one of its suppliers.

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

Cledara

£100/month
  • Basic$100/month
    • Up to 20 software applications
    • Virtual card per subscription
    • Application inventory and approvals
  • Premium$undefined/month
    • Up to 75 software applications
    • Typically 51 to 150 staff
    • 1% cashback in the first year, capped at the subscription cost
  • Pro$undefined/month
    • For organisations above roughly 150 staff
    • Scoped individually
    • 1% cashback in the first year, capped at plan cost
  • Add-on modules$200/month
    • Spend Optimization £200 a month or £1,500 a year
    • IT Management £150 a month or £1,500 a year
    • Software Compliance £150 a month or £1,500 a year

RazorpayX

On request

No published plan breakdown. See the RazorpayX review.

Which should you pick?

Choose Cledara if

  • You need virtual card per subscription.
  • You also want cancel by card.
Cledara review

Choose RazorpayX if

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

Questions people ask

Is Cledara or RazorpayX better?
Neither clearly leads. Cledara starts at £100/month and RazorpayX at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Cledara or RazorpayX?
Cledara starts at £100/month and RazorpayX at On request.
Does Cledara or RazorpayX run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Cledara best used for?
Cledara is most often used for a finance team that cannot say what software the company pays for because everything is on three people's company cards, a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation, a startup wanting approval on new software purchases before the first charge rather than at the audit, a finance function that spends days each month chasing saas invoices for the accountant. Of those, a finance team that cannot say what software the company pays for because everything is on three people's company cards and a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation are not what RazorpayX is typically brought in for.
What can Cledara do that RazorpayX cannot?
Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow. RazorpayX covers Current account, Payout API, Bulk payouts, Payout links.

Answered from the vendors’ own pages

Cledara: What does it cost?

Basic is £100 a month for up to 20 applications, with Premium covering up to 75 and Pro above that. Add-on modules are £150 to £200 a month each, and annual payment saves 16%.

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.

Cledara: Does it find software we did not tell it about?

Only what passes through its cards or connected integrations. Subscriptions paid by invoice or another card stay hidden, which is the main limitation of the model.

RazorpayX: Can a company registered outside India use it?

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

Cledara: How does cancelling work?

You cancel the virtual card for that subscription, which stops the payment. It does not remove your contractual obligation, so check notice periods.

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.

Cledara: Is the application limit by users or by tools?

By tools. Twenty on Basic, seventy-five on Premium. Count your actual subscriptions before assuming the entry price applies to you.

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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