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 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 Stripe is typically brought in for.

What can Razorpay do that Stripe cannot?

Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

E-Commerce · head to head

Razorpay vs Stripe

Razorpay

E-Commerce

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

From: On request
Rated: -

Full review Website

Stripe

E-Commerce

Financial infrastructure for the internet

From: Free
Rated: -

Full review Website

The short version

Only Stripe 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.; Stripe requires developer setup and API integration for most use cases
They diverge on capability: Razorpay covers Domestic payment methods, Stripe covers Payment processing.
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Razorpay and Stripe actually diverge.

Attributes where Razorpay and Stripe differ
Attribute	Razorpay	Stripe
Starting price	On request	Free
Pricing model	transaction	Unknown
Free tier	No	Yes
Platforms	Web	Web, iOS, Android
Founded	Unknown	2010

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

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

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

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

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

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.

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

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

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Razorpay if

You need domestic payment methods.
You also want international cards.

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 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 Stripe is typically brought in for.
What can Razorpay do that Stripe cannot?: Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

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.

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

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.

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

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.

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

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.

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

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.

Razorpay vs Stripe

Razorpay

Stripe

The short version

Where they differ

What each one covers

Only in Razorpay

Only in Stripe

What people use each for

Razorpay

Stripe

Where each one falls short

Razorpay

Stripe

Pricing, plan by plan

Razorpay

Stripe

Which should you pick?

Choose Razorpay if

Choose Stripe if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Razorpay

More on Stripe

Keep looking

Other head to heads