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E-Commerce · head to head

Razorpay vs Shopify

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Shopify logo

Shopify

E-Commerce

The most trusted ecommerce platform to start, grow, and scale your business

From
$24/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.; Shopify using any payment provider other than Shopify Payments adds a transaction fee on top of the card rate, at 2% on Basic falling to 0.2% on Plus
  • They diverge on capability: Razorpay covers Domestic payment methods, Shopify covers Hosted ecommerce platform.
  • Prices and features above were last checked on 15 September 2026.

Where they differ

Only the attributes on which Razorpay and Shopify actually diverge.

Attributes where Razorpay and Shopify differ
AttributeRazorpayShopify
Starting priceOn request$24/month
Pricing modeltransactionsubscription
FoundedUnknown2006

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 Shopify

  • Hosted ecommerce platform
  • Payment processing
  • Inventory management
  • Order tracking
  • Marketing automation
  • Apps and integrations
  • Multi-channel selling
  • SSL certificate

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

Shopify

  • Running a hosted ecommerce store with payments and fulfilmentnot Razorpay
  • Selling across online, in person and social channels from one cataloguenot 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.

Shopify

  • Using any payment provider other than Shopify Payments adds a transaction fee on top of the card rate, at 2% on Basic falling to 0.2% on Plus
  • That fee makes the cheapest plan the most expensive place to use an outside processor, which is the opposite of how plans usually work
  • Card rates also improve with the plan, from 2.9% on Basic to 2.7% on Advanced
  • Amex is charged at a higher rate than other cards on every plan below Plus
  • Plus starts at $2,300 a month
  • The advertised lower monthly prices require paying a year up front

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

Shopify

$24/month
  • Basic$24/month
    • For solo entrepreneurs
    • $32/month on monthly billing
    • 2.9% + AED1.00 transaction fee (standard cards)
  • Grow$69/month
    • For small teams
    • $92/month on monthly billing
    • 2.8% + AED1.00 transaction fee (standard cards)
  • Advanced$299/month
    • For global reach
    • $399/month on monthly billing
    • 2.7% + AED1.00 transaction fee (standard cards)
  • Plus$2300/month
    • For complex businesses
    • most competitive transaction rates

Which should you pick?

Choose Razorpay if

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

Choose Shopify if

  • You need hosted ecommerce platform.
  • You also want payment processing.
Shopify review

Questions people ask

Is Razorpay or Shopify better?
Neither clearly leads. Razorpay starts at On request and Shopify at $24/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Shopify?
Razorpay starts at On request and Shopify at $24/month.
Does Razorpay or Shopify 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 Shopify is typically brought in for.
What can Razorpay do that Shopify cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Shopify covers Hosted ecommerce platform, Payment processing, Inventory management, Order tracking.

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.

Shopify: How much does Shopify cost?

Shopify's Basic tier is $24/month (or $32/month monthly), Grow is $69/month (or $92/month monthly), Advanced is $299/month (or $399/month monthly), and Plus starts at $2,300/month. Annual subscriptions include 25% discount versus monthly billing.

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.

Shopify: Does Shopify offer a free trial?

Yes, Shopify offers 3 days free, then $1/month for 3 months without requiring a credit card.

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.

Shopify: What payment processing fees does Shopify charge?

Transaction rates vary by plan: Basic charges 2.9% + AED1.00 (standard cards), Grow charges 2.8% + AED1.00, Advanced charges 2.7% + AED1.00, and Plus offers the most competitive rates. American Express charges 0.1% higher across all plans.

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.

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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