Softwr

E-Commerce · head to head

Heartland Retail vs Razorpay

Heartland Retail logo

Heartland Retail

E-Commerce

Cloud point of sale and inventory management sold alongside Heartland card processing

From
$150/month
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: Heartland Retail the software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.; 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.
  • They diverge on capability: Heartland Retail covers Multi-store inventory, Razorpay covers Domestic payment methods.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Heartland Retail and Razorpay actually diverge.

Attributes where Heartland Retail and Razorpay differ
AttributeHeartland RetailRazorpay
Starting price$150/monthOn request
Pricing modelsubscriptiontransaction
Founded1997Unknown

Identical on both: 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 Heartland Retail

  • Multi-store inventory
  • Cloud point of sale
  • Purchasing and receiving
  • Customer records
  • Sales and stock reporting
  • Integrated card processing
  • E-commerce integrations

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.

Heartland Retail

  • A specialty retailer opening a third or fourth site that needs one stock position across all of themnot Razorpay
  • Replacing a legacy on-premise till system that requires a server in the back office of every storenot Razorpay
  • A retailer whose buying team needs purchase orders and receiving rather than just a cash registernot Razorpay
  • An existing Heartland processing customer consolidating software and payments under one suppliernot Razorpay

Razorpay

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

Where each one falls short

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

Heartland Retail

  • The software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Leaving means changing till software and merchant account together, and since the payment terminals, the reporting history and the staff training are all tied to the same supplier, the switching cost is far higher than a software migration alone.
  • It is not an online store platform, so a merchant selling on the web still buys and maintains a separate e-commerce platform, and the stock and order integration between the two is an ongoing operational dependency rather than a one-off setup.
  • Historical sales and customer purchase history rarely migrate cleanly out of a point of sale system, so a retailer who switches typically starts with an empty history and keeps the old system read-only, paying for it, for years.
  • Heartland sits within Global Payments, a group that has repeatedly restructured its portfolio through acquisitions and divestitures, so which entity owns and invests in this specific product is not stable over a long contract term.

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

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

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 Heartland Retail if

  • You need multi-store inventory.
  • You also want cloud point of sale.
Heartland Retail review

Choose Razorpay if

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

Questions people ask

Is Heartland Retail or Razorpay better?
Neither clearly leads. Heartland Retail starts at $150/month and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Heartland Retail or Razorpay?
Heartland Retail starts at $150/month and Razorpay at On request.
Does Heartland Retail or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Heartland Retail best used for?
Heartland Retail is most often used for a specialty retailer opening a third or fourth site that needs one stock position across all of them, replacing a legacy on-premise till system that requires a server in the back office of every store, a retailer whose buying team needs purchase orders and receiving rather than just a cash register, an existing heartland processing customer consolidating software and payments under one supplier. Of those, a specialty retailer opening a third or fourth site that needs one stock position across all of them and replacing a legacy on-premise till system that requires a server in the back office of every store are not what Razorpay is typically brought in for.
What can Heartland Retail do that Razorpay cannot?
Heartland Retail covers Multi-store inventory, Cloud point of sale, Purchasing and receiving, Customer records. Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

Heartland Retail: Can I use it as my online store?

No. It manages the shop floor and stock. Selling online means a separate e-commerce platform and an integration to keep the catalogue and stock aligned.

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.

Heartland Retail: Do I have to use Heartland for card processing?

The product is sold as part of a payments relationship, and that is where the supplier's margin sits. Ask explicitly what the software costs standalone before assuming you have a choice.

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.

Heartland Retail: What should I negotiate hardest on?

The card processing rate and the contract term, not the software subscription. Ask for interchange-plus pricing in writing rather than a blended rate.

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.

Heartland Retail: What happens to my sales history if I leave?

Assume products and current stock export cleanly and that years of transaction history do not. Budget for keeping the old system available read-only during any transition.

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.

Share

Related pages

More on Heartland Retail

More on Razorpay

Keep looking

Other head to heads