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E-Commerce · head to head

Razorpay vs Spree Commerce

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Spree Commerce logo

Spree Commerce

E-Commerce

Complete open source ecommerce solution

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spree Commerce has a free tier, so it costs nothing to try first.
  • 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.; Spree Commerce multi-vendor marketplace, B2B commerce and multi-tenant white label modules are Enterprise Edition only and licensed separately from the open source core
  • They diverge on capability: Razorpay covers Domestic payment methods, Spree Commerce covers Multi-store support.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Razorpay and Spree Commerce actually diverge.

Attributes where Razorpay and Spree Commerce differ
AttributeRazorpaySpree Commerce
Starting priceOn requestFree
Pricing modeltransactionfreemium
Free tierNoYes
FoundedUnknown2007

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 Razorpay

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

Only in Spree Commerce

  • Multi-store support
  • Multi-currency
  • Multi-language
  • REST API
  • GraphQL support
  • Mobile-ready
  • SEO optimization
  • Flexible taxonomy

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

Spree Commerce

  • E-commerce platforms with zero platform fees and no vendor lock-innot Razorpay
  • Self-hosted shopping experiences on AWS, GCP, Azure, or on-premise infrastructurenot Razorpay
  • Deployments requiring predictable costs that don't scale with revenuenot 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.

Spree Commerce

  • Multi-vendor marketplace, B2B commerce and multi-tenant white label modules are Enterprise Edition only and licensed separately from the open source core
  • Enterprise Edition pricing is quoted per customer depending on modules and scale, with no published rate
  • Support with guaranteed response times and a success manager comes only with Enterprise Edition
  • The free Community Edition is self hosted, so hosting, upgrades and Ruby on Rails maintenance are the operator's responsibility

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

Spree Commerce

Free
  • Open SourceFree
    • Full platform access
    • Community support
    • All core features
  • Enterprise$undefined/month
    • Premium support
    • Custom development
    • SLA guarantees

Which should you pick?

Choose Razorpay if

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

Choose Spree Commerce if

  • You need multi-store support.
  • You want to start without paying.
  • You also want multi-currency.
Spree Commerce review

Questions people ask

Is Razorpay or Spree Commerce better?
Neither clearly leads. Razorpay starts at On request and Spree Commerce at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Spree Commerce?
Spree Commerce has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Spree Commerce.
Does Razorpay or Spree Commerce run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Spree Commerce for free?
Yes. Spree Commerce has a free tier, so you can try it without paying. Razorpay starts at On request.
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 Spree Commerce is typically brought in for.
What can Razorpay do that Spree Commerce cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Spree Commerce covers Multi-store support, Multi-currency, Multi-language, REST API.

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.

Spree Commerce: Is Spree Commerce free?

Yes, Spree Commerce is free and open source under a BSD 3-Clause license. The core platform has zero platform fees and no GMV (Gross Merchandise Volume) cuts or transaction fees, and sandbox access is free without requiring a credit card.

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.

Spree Commerce: What is Spree Commerce's pricing model?

Spree Commerce operates as free open-source software. Users self-host on their choice of infrastructure (AWS, GCP, Azure, or on-premise), so costs are based on the hosting infrastructure selected rather than platform subscription fees. An Enterprise Edition is available with optional dedicated support, but specific pricing is not published.

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.

Spree Commerce: Are there transaction fees with Spree Commerce?

No, Spree Commerce charges zero transaction fees. Unlike SaaS e-commerce platforms that take a percentage of sales, Spree offers predictable costs that don't scale with revenue, giving merchants full control over their margins.

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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