Softwr

E-Commerce · head to head

Razorpay vs SamCart

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
SamCart logo

SamCart

E-Commerce

The number one checkout platform

From
$79/month
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.; SamCart no feature differentiation between CORE and PRO tiers, pricing tier based on expected transaction volume only
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Razorpay and SamCart actually diverge.

Attributes where Razorpay and SamCart differ
AttributeRazorpaySamCart
Starting priceOn request$79/month
Pricing modeltransactionsubscription

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 Razorpay

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

Only in SamCart

Nothing recorded that Razorpay does not also cover.

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 SamCart
  • An Indian SaaS business billing domestic customers on recurring mandatesnot SamCart
  • A marketplace that must split each payment between the platform and its sellersnot SamCart
  • A business that needs to take payment without building a website, using links and pagesnot SamCart

SamCart

  • Increasing average order value through automated order bumps and upsellsnot Razorpay
  • Recovering failed subscription payments with retry logic and dunning managementnot Razorpay
  • Generating sales pages, emails, and ads with AI from product descriptionsnot Razorpay
  • Sending cart abandonment recovery emails without customer re-entrynot Razorpay
  • Migrating existing customer bases from competing platforms without data lossnot 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.

SamCart

  • No feature differentiation between CORE and PRO tiers, pricing tier based on expected transaction volume only
  • Transaction fees of 2.9% plus $0.30 apply to all plans

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

SamCart

$79/month
  • CORE$79/month
    • All features included
  • PRO$199/month
    • All features included

Which should you pick?

Choose Razorpay if

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

Choose SamCart if

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

SamCart review

Questions people ask

Is Razorpay or SamCart better?
Neither clearly leads. Razorpay starts at On request and SamCart at $79/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or SamCart?
Razorpay starts at On request and SamCart at $79/month.
Does Razorpay or SamCart run on more platforms?
Both run on Web, so platform support will not decide this one for you.
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 SamCart is typically brought in for.
What can Razorpay do that SamCart cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

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.

SamCart: How much does SamCart cost?

SamCart offers two subscription tiers: CORE at $79/month and PRO at $199/month. Both plans include all features with no restrictions between tiers.

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.

SamCart: What are SamCart's transaction fees?

SamCart charges a transaction fee of 2.9% plus $0.30 per transaction on all payments processed through the platform.

Source
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.

SamCart: Does SamCart offer a free trial?

Yes, SamCart offers a 7-day free trial available for both the CORE and PRO plans, allowing customers to test the platform before committing to a subscription.

Source
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.

SamCart: Does SamCart offer migration services from other platforms?

Yes, SamCart offers done-for-you migration services for customers switching from Kajabi, ThriveCart, ClickFunnels, Shopify, and Teachable. Specific pricing for migration services is not listed on the main page.

Source
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 Razorpay

More on SamCart

Keep looking

Other head to heads