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Personal Finance · head to head

Google Pay vs Razorpay

Google Pay logo

Google Pay

Personal Finance

Fast, simple and secure payments

From
Free
Rated
-
Full reviewWebsite
R

Razorpay

E-commerce

Accept, process and disburse payments with India's leading payments platform

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Google Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Google Pay limited to Android devices and Chrome browser; lacks native support for iOS devices; Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee

Where they differ

Only the attributes on which Google Pay and Razorpay actually diverge.

Attributes where Google Pay and Razorpay differ
AttributeGoogle PayRazorpay
Starting priceFreeOn request
Pricing modelfreetransaction
Free tierYesNo
PlatformsAndroid, Chrome browserWeb
CategoryPersonal FinanceE-commerce
Founded2015Unknown

Identical on both: user rating (Not yet rated).

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 Google Pay

  • Digital wallet
  • Contactless payments
  • Online shopping
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • Android support

Only in Razorpay

Nothing recorded that Google Pay does not also cover.

What people use each for

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

Google Pay

  • Android users making contactless payments at supported retailersnot Razorpay
  • Chrome browser users utilising payment autofill at checkoutnot Razorpay

Razorpay

No use cases recorded yet. See the Razorpay review.

Where each one falls short

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

Google Pay

  • Limited to Android devices and Chrome browser; lacks native support for iOS devices
  • International money transfer through third-party provider (Wise Inc.) with limited details on coverage

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Pricing, plan by plan

Google Pay

Free

No published plan breakdown. See the Google Pay review.

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Which should you pick?

Choose Google Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on Android, Chrome browser.
  • You also want contactless payments.
Google Pay review

Choose Razorpay if

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

Razorpay review

Questions people ask

Is Google Pay or Razorpay better?
Neither clearly leads. Google Pay starts at Free and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Google Pay or Razorpay?
Google Pay has a free tier; the other does not. Paid plans start at Free for Google Pay and On request for Razorpay.
Does Google Pay or Razorpay run on more platforms?
Google Pay runs on Android, Chrome browser. Razorpay runs on Web.
Can I use Google Pay for free?
Yes. Google Pay has a free tier, so you can try it without paying. Razorpay starts at On request.
What is Google Pay best used for?
Google Pay is most often used for android users making contactless payments at supported retailers, chrome browser users utilising payment autofill at checkout. Of those, android users making contactless payments at supported retailers and chrome browser users utilising payment autofill at checkout are not what Razorpay is typically brought in for.
What can Google Pay do that Razorpay cannot?
Google Pay covers Digital wallet, Contactless payments, Online shopping, P2P money transfers.
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Related pages

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More on Razorpay

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