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E-Commerce · head to head

commercetools vs Razorpay

commercetools logo

commercetools

E-Commerce

The Digital Commerce AI Company

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: commercetools no published pricing: customers cannot see costs, tier details, or feature breakdowns 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 commercetools and Razorpay actually diverge.

Attributes where commercetools and Razorpay differ
AttributecommercetoolsRazorpay
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 commercetools

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.

commercetools

  • Composable commerce platforms for enterprise retailersnot Razorpay
  • B2C and B2B commerce API infrastructurenot Razorpay
  • Multi-region commerce operationsnot Razorpay

Razorpay

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

Where each one falls short

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

commercetools

  • No published pricing: customers cannot see costs, tier details, or feature breakdowns before contacting sales
  • Order-based pricing opacity: described as 'transparent' but actual fee structure per order is undisclosed
  • Free trial time-gate: 60-day trial does not reveal production pricing for ongoing operations
  • Marketplace distribution unclear: availability on Google Cloud and AWS Marketplaces implies pricing varies by channel without transparency

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

commercetools

On request

No published plan breakdown. See the commercetools 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 commercetools if

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

commercetools review

Choose Razorpay if

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

Questions people ask

Is commercetools or Razorpay better?
Neither clearly leads. commercetools 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, commercetools or Razorpay?
commercetools starts at On request and Razorpay at On request.
Does commercetools or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is commercetools best used for?
commercetools is most often used for composable commerce platforms for enterprise retailers, b2c and b2b commerce api infrastructure, multi-region commerce operations. Of those, composable commerce platforms for enterprise retailers and b2c and b2b commerce api infrastructure are not what Razorpay is typically brought in for.
What can commercetools do that Razorpay cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

commercetools: Does commercetools publish pricing online?

No. Pricing is not published on their website. Customers must contact sales, start a free 60-day trial, or purchase through Google Cloud or AWS Marketplaces to discuss pricing.

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.

commercetools: What is the pricing model for commercetools?

commercetools uses order-based pricing (not Gross Merchandise Value dependent) described as 'transparent and growth-friendly' with 'no hidden fees or penalties for scaling,' but exact per-order costs are disclosed only through sales consultation.

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.

commercetools: Does commercetools offer a free trial?

Yes. A 60-day free trial includes full access to production-ready infrastructure, APIs, tools, and preloaded sample B2C/B2B data, with the option to move MVP to production without setup costs.

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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