E-Commerce · head to head
Magento vs Razorpay
Magento
E-Commerce
Open core commerce platform, free as Magento Open Source and licensed by revenue as Adobe Commerce
- From
- Free
- Rated
- -
Razorpay
E-Commerce
Indian payment gateway for domestic and international card, UPI and wallet acceptance
- From
- On request
- Rated
- -
The short version
- Only Magento has a free tier, so it costs nothing to try first.
- Each has a real cost: Magento it is open core rather than open source, so B2B, customer segmentation, content staging and the Adobe analytics and recommendation services sit behind the Adobe Commerce licence, and discovering that mid-project converts a free platform into a revenue-banded contract.; 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: Magento covers Two editions, Razorpay covers Domestic payment methods.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Magento and Razorpay actually diverge.
Identical on both: 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 Magento
- Two editions
- Complex catalogue handling
- Multi-store and multi-website
- Native B2B in the paid edition
- Multi-currency and multi-region
- Composer module system
- GraphQL and REST APIs
- Hyva and Mage-OS ecosystem
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.
Magento
- A retailer with tens of thousands of SKUs and attribute-heavy catalogue logic that SaaS platforms restrictnot Razorpay
- A multi-brand or multi-region group needing separate websites, currencies and tax treatment from one back officenot Razorpay
- A B2B seller needing company accounts, negotiated pricing and quoting inside the storefrontnot Razorpay
- An enterprise with an in-house or retained development team that treats commerce as owned softwarenot Razorpay
Razorpay
- An Indian D2C brand needing UPI acceptance alongside cards in a single checkoutnot Magento
- An Indian SaaS business billing domestic customers on recurring mandatesnot Magento
- A marketplace that must split each payment between the platform and its sellersnot Magento
- A business that needs to take payment without building a website, using links and pagesnot Magento
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Magento
- It is open core rather than open source, so B2B, customer segmentation, content staging and the Adobe analytics and recommendation services sit behind the Adobe Commerce licence, and discovering that mid-project converts a free platform into a revenue-banded contract.
- The Adobe Commerce licence is priced on bands of gross merchandise value, so the platform bill increases as the store succeeds and is largely unrelated to the infrastructure or support you consume.
- A production installation needs a search engine, a cache, a reverse proxy, a message queue and a database tuned together, so hosting is a DevOps engagement rather than a plan, and the first serious traffic event is where under-sizing becomes visible.
- Minor version upgrades regularly break third party modules, so staying current means a regression testing and remediation project several times a year, and merchants who skip upgrades to avoid that end up running software with unpatched vulnerabilities.
- The specialist developer market is small and expensive relative to other platforms, so an agency retainer becomes a permanent operating cost and losing that agency is a genuine business continuity problem rather than a procurement inconvenience.
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
Magento
Free- Magento Open SourceFree
- Unlimited products
- Multiple storefronts
- Advanced marketing
- Adobe Commerce$20000/year
- All Open Source features
- 24/7 enterprise support
- Managed cloud hosting
Razorpay
On request- Domestic Payments$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 Magento if
- You need two editions.
- You want to start without paying.
- You also want complex catalogue handling.
Choose Razorpay if
- You need domestic payment methods.
- You also want international cards.
Questions people ask
- Is Magento or Razorpay better?
- Neither clearly leads. Magento 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, Magento or Razorpay?
- Magento has a free tier; the other does not. Paid plans start at Free for Magento and On request for Razorpay.
- Does Magento or Razorpay run on more platforms?
- Both run on Web, so platform support will not decide this one for you.
- Can I use Magento for free?
- Yes. Magento has a free tier, so you can try it without paying. Razorpay starts at On request.
- What is Magento best used for?
- Magento is most often used for a retailer with tens of thousands of skus and attribute-heavy catalogue logic that saas platforms restrict, a multi-brand or multi-region group needing separate websites, currencies and tax treatment from one back office, a b2b seller needing company accounts, negotiated pricing and quoting inside the storefront, an enterprise with an in-house or retained development team that treats commerce as owned software. Of those, a retailer with tens of thousands of skus and attribute-heavy catalogue logic that saas platforms restrict and a multi-brand or multi-region group needing separate websites, currencies and tax treatment from one back office are not what Razorpay is typically brought in for.
- What can Magento do that Razorpay cannot?
- Magento covers Two editions, Complex catalogue handling, Multi-store and multi-website, Native B2B in the paid edition. Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.
Answered from the vendors’ own pages
Magento: Is Magento free?
Magento Open Source is. Adobe Commerce is not, and it holds back B2B, segmentation, content staging and the Adobe analytics and recommendation layer. Establish which edition a requirement needs before you commit.
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.
Magento: How is Adobe Commerce priced?
On bands of gross merchandise value, so the licence grows with revenue rather than with usage. Model it against your three year forecast, not this year's turnover.
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.
Magento: What does it really cost to run?
Licence if applicable, plus tuned infrastructure, plus a specialist agency or in-house team. For most deployments the people and hosting exceed the licence.
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.
Magento: Why do agencies keep mentioning Hyva?
The stock front end stack is slow to develop against, so Hyva, a commercially licensed replacement front end, has become a common default. It is another licence to budget for.
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.
Magento: What happened with Magento 1?
It reached end of life and left merchants on unsupported, unpatched software facing a full replatform. It is the reference point for how long to assume support for any edition you adopt.
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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