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E-Commerce · head to head

NCR Voyix vs Razorpay

NCR Voyix logo

NCR Voyix

E-Commerce

Enterprise point of sale and commerce software for retail and restaurant chains

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  • Each has a real cost: NCR Voyix pricing is negotiated and unpublished, so there is no way to sanity check a quote against a list price, and comparison against competitors requires running a full procurement rather than reading two pricing pages.; 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: NCR Voyix covers Restaurant point of sale, Razorpay covers Domestic payment methods.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which NCR Voyix and Razorpay actually diverge.

Attributes where NCR Voyix and Razorpay differ
AttributeNCR VoyixRazorpay
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 NCR Voyix

  • Restaurant point of sale
  • Retail store systems
  • Central management
  • Digital ordering
  • Loyalty programmes
  • Payment processing
  • Professional services

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.

NCR Voyix

  • A restaurant group standardising point of sale across dozens or hundreds of sitesnot Razorpay
  • A retail chain replacing ageing in-store lane systems and self-checkout hardwarenot Razorpay
  • An operator needing central menu and price control pushed reliably to every locationnot Razorpay
  • A business consolidating POS, loyalty and payments under a single supplier contractnot Razorpay

Razorpay

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

Where each one falls short

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

NCR Voyix

  • Pricing is negotiated and unpublished, so there is no way to sanity check a quote against a list price, and comparison against competitors requires running a full procurement rather than reading two pricing pages.
  • Contracts run for years and include hardware, so the commitment is capital as well as subscription, and a refresh cycle you fund is built into the relationship from the start.
  • Implementation requires professional services or a partner, so the true first year cost is a multiple of the software line and the go-live date depends on a third party's delivery schedule rather than your own team.
  • The system becomes entangled with payments, loyalty, kitchen and back office integrations, so replacing it later is a multi-year programme and the switching cost grows every year you stay.
  • NCR has been through a corporate split and subsequent divestitures, so product line ownership, roadmap and support responsibility have moved before and could move again during 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

NCR Voyix

On request

No published plan breakdown. See the NCR Voyix 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 NCR Voyix if

  • You need restaurant point of sale.
  • You also want retail store systems.
NCR Voyix review

Choose Razorpay if

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

Questions people ask

Is NCR Voyix or Razorpay better?
Neither clearly leads. NCR Voyix 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, NCR Voyix or Razorpay?
NCR Voyix starts at On request and Razorpay at On request.
Does NCR Voyix or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is NCR Voyix best used for?
NCR Voyix is most often used for a restaurant group standardising point of sale across dozens or hundreds of sites, a retail chain replacing ageing in-store lane systems and self-checkout hardware, an operator needing central menu and price control pushed reliably to every location, a business consolidating pos, loyalty and payments under a single supplier contract. Of those, a restaurant group standardising point of sale across dozens or hundreds of sites and a retail chain replacing ageing in-store lane systems and self-checkout hardware are not what Razorpay is typically brought in for.
What can NCR Voyix do that Razorpay cannot?
NCR Voyix covers Restaurant point of sale, Retail store systems, Central management, Digital ordering. Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

NCR Voyix: Is this an e-commerce platform?

No. It runs stores and restaurants. If you need an online storefront you are buying that separately and integrating it.

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.

NCR Voyix: What does it cost?

Nothing is published. Pricing is negotiated per deal and includes hardware and implementation, so budget for a first year total well above the software subscription.

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.

NCR Voyix: Who is it actually for?

Multi-site chains. An independent restaurant or single shop is not the buyer and will get better economics from a self-serve POS.

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.

NCR Voyix: What should I ask during negotiation?

Get the roadmap and support ownership for your specific product line in writing, given the corporate restructuring, and get the exit terms and data extraction rights defined before signature.

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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