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E-Commerce · head to head

Razorpay vs Retail Pro

Razorpay logo

Razorpay

E-Commerce

Indian payment gateway for domestic and international card, UPI and wallet acceptance

From
On request
Rated
-
Full reviewWebsite
Retail Pro logo

Retail Pro

E-Commerce

Comprehensive retail management software

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Retail Pro pricing details not disclosed; requires sales consultation
  • They diverge on capability: Razorpay covers Domestic payment methods, Retail Pro covers Point of sale.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Razorpay and Retail Pro differ
AttributeRazorpayRetail Pro
Pricing modeltransactionUnknown
PlatformsWebiOS, Android, Windows
FoundedUnknown1988

Identical on both: starting price (On request), free tier (No), 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 Razorpay

  • Domestic payment methods
  • International cards
  • Payment links and pages
  • Route
  • RazorpayX
  • Subscriptions
  • Smart Collect
  • Dashboard and reporting

Only in Retail Pro

  • Point of sale
  • Inventory management
  • Customer database
  • Employee management
  • Sales analytics
  • Promotion management
  • Multi-store support
  • Reporting tools

What people use each for

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

Razorpay

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

Retail Pro

  • Multi-location retail POS operations (1 to 250+ stores)not Razorpay
  • Inventory management with serialized product trackingnot Razorpay
  • Customer loyalty programs via AppCard integrationnot Razorpay

Where each one falls short

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

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.

Retail Pro

  • Pricing details not disclosed; requires sales consultation
  • No published technical requirements or system specifications
  • International deployment requires fiscal/tax compliance consultation per region

Pricing, plan by plan

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

Retail Pro

On request

No published plan breakdown. See the Retail Pro review.

Which should you pick?

Choose Razorpay if

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

Choose Retail Pro if

  • You need point of sale.
  • You work on iOS, Android, Windows.
  • You also want inventory management.
Retail Pro review

Questions people ask

Is Razorpay or Retail Pro better?
Neither clearly leads. Razorpay starts at On request and Retail Pro at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Retail Pro?
Razorpay starts at On request and Retail Pro at On request.
Does Razorpay or Retail Pro run on more platforms?
Razorpay runs on Web. Retail Pro runs on iOS, Android, Windows.
What is Razorpay best used for?
Razorpay is most often used for an indian d2c brand needing upi acceptance alongside cards in a single checkout, an indian saas business billing domestic customers on recurring mandates, a marketplace that must split each payment between the platform and its sellers, a business that needs to take payment without building a website, using links and pages. Of those, an indian d2c brand needing upi acceptance alongside cards in a single checkout and an indian saas business billing domestic customers on recurring mandates are not what Retail Pro is typically brought in for.
What can Razorpay do that Retail Pro cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Retail Pro covers Point of sale, Inventory management, Customer database, Employee management.

Answered from the vendors’ own pages

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.

Retail Pro: How much does Retail Pro cost?

Retail Pro does not publish specific pricing on its website. The company describes a 'Pay As You Grow' model but directs interested retailers to request a consultation or brochure to obtain actual pricing quotes customized to their business needs.

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.

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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