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E-commerce · head to head

Razorpay vs Stripe

R

Razorpay

E-commerce

Accept, process and disburse payments with India's leading payments platform

From
On request
Rated
-
Full reviewWebsite
S

Stripe

E-commerce

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stripe has a free tier, so it costs nothing to try first.
  • Each has a real cost: Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee; Stripe requires developer setup and API integration for most use cases

Where they differ

Only the attributes on which Razorpay and Stripe actually diverge.

Attributes where Razorpay and Stripe differ
AttributeRazorpayStripe
Starting priceOn requestFree
Pricing modeltransactionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android
FoundedUnknown2010

Identical on both: 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

Nothing recorded that Stripe does not also cover.

Only in Stripe

  • Payment processing
  • Subscription billing
  • Invoicing
  • Terminal (in-person payments)
  • Fraud prevention
  • 3D Secure
  • Global payouts
  • Financial reporting

What people use each for

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

Razorpay

No use cases recorded yet. See the Razorpay review.

Stripe

  • Online paymentsnot Razorpay
  • Subscription managementnot Razorpay
  • Marketplace paymentsnot Razorpay
  • Global expansionnot Razorpay
  • Platform monetizationnot Razorpay

Where each one falls short

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

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Stripe

  • Requires developer setup and API integration for most use cases
  • Dispute fee of $15 per chargeback is standard industry cost
  • Limited offline payment capabilities

Pricing, plan by plan

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Razorpay if

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

Razorpay review

Choose Stripe if

  • You need payment processing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want subscription billing.
Stripe review

Questions people ask

Is Razorpay or Stripe better?
Neither clearly leads. Razorpay starts at On request and Stripe at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Stripe?
Stripe has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Stripe.
Does Razorpay or Stripe run on more platforms?
Razorpay runs on Web. Stripe runs on Web, iOS, Android.
Can I use Stripe for free?
Yes. Stripe has a free tier, so you can try it without paying. Razorpay starts at On request.
What can Razorpay do that Stripe cannot?
Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

Answered from the vendors’ own pages

Stripe: What are Stripe's transaction fees?

Standard US rates are 2.9% plus 30 cents for online card payments, 2.7% plus 5 cents for in-person, 3.4% plus 30 cents for keyed/phone transactions, and 0.8% capped at $5 for ACH payments.

Source
Stripe: How many currencies and countries does it support?

Stripe accepts 135+ currencies and supports payment acceptance in 40+ countries through Stripe Connect, enabling sellers to onboard and receive payouts in minutes.

Source
Stripe: What payment methods are supported?

Stripe supports dozens of payment methods including credit/debit cards, ACH transfers, and local payment options, with additional support through partnerships with Meta and Google.

Source
Stripe: Are there monthly fees or contracts?

No. Stripe charges no monthly fees or contracts, only per-transaction fees and dispute fees, making costs fully transparent and variable.

Source
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Related pages

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