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E-Commerce · head to head

Razorpay vs Toast

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Toast logo

Toast

E-Commerce

Cloud POS platform for restaurants and hospitality

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Toast 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.; Toast starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • They diverge on capability: Razorpay covers Domestic payment methods, Toast covers Point of sale.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Razorpay and Toast actually diverge.

Attributes where Razorpay and Toast differ
AttributeRazorpayToast
Starting priceOn requestFree
Pricing modeltransactionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android, Tablets, Web browsers
FoundedUnknown2011

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 Toast

  • Point of sale
  • Order management
  • Kitchen display system
  • Employee scheduling
  • Customer management
  • Inventory tracking
  • Analytics & reporting
  • Delivery integration

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

Toast

No use cases recorded yet. See the Toast review.

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.

Toast

  • Starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • No free tier for advanced features like employee scheduling, inventory, or loyalty programs
  • Setup and training time required for complex multi-location deployments
  • Payment processing tied to Toast ecosystem; limited flexibility for alternative payment processors
  • Hardware costs can be substantial for full-featured setups with multiple terminals and kitchen displays

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

Toast

Free
  • Starter KitFree
    • Cloud-based POS
    • Payment processing
    • 1-2 terminals
  • Point of Sale$69/month
    • Custom hardware configurations
    • Advanced reporting
    • Core POS features

Which should you pick?

Choose Razorpay if

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

Choose Toast if

  • You need point of sale.
  • You want to start without paying.
  • You work on Web, iOS, Android, Tablets, Web browsers.
  • You also want order management.
Toast review

Questions people ask

Is Razorpay or Toast better?
Neither clearly leads. Razorpay starts at On request and Toast at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Toast?
Toast has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Toast.
Does Razorpay or Toast run on more platforms?
Razorpay runs on Web. Toast runs on Web, iOS, Android, Tablets, Web browsers.
Can I use Toast for free?
Yes. Toast 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 Toast is typically brought in for.
What can Razorpay do that Toast cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

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.

Toast: What is the cost of Toast POS?

Toast offers a free Starter Kit tier for one or two terminals with POS and payment processing at no upfront cost, though costs are built into payment processing rates. Paid plans start at $69/month for the Point of Sale plan, with Custom tier available via quote for advanced features.

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.

Toast: Does Toast include online ordering?

Yes. Toast offers online ordering capabilities where customers can order via QR code while seated (Order & Pay) or through standalone online ordering integrated with the POS for kitchen automation.

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.

Toast: Does Toast offer drive-through capabilities?

Yes. In April 2026, Toast launched a drive-thru product supporting voice ordering through integrations, allowing restaurants to automate drive-through workflows.

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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