Softwr

E-Commerce · head to head

Razorpay vs Vinted

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Vinted logo

Vinted

E-Commerce

Lithuania-founded secondhand fashion marketplace that charges the buyer, not the seller, a platform fee

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Vinted 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.; Vinted the Buyer Protection fee is not shown in the browsable item price, so comparing a listing price across Vinted and a commission-based competitor understates Vinted's true checkout cost unless the buyer manually adds the fee.
  • They diverge on capability: Razorpay covers Domestic payment methods, Vinted covers No seller commission.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Razorpay and Vinted actually diverge.

Attributes where Razorpay and Vinted differ
AttributeRazorpayVinted
Starting priceOn requestFree
Pricing modeltransactionFree for sellers, no commission; buyer pays a variable Buyer Protection fee at checkout
Free tierNoYes
PlatformsWebiOS, Android, Web

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 Vinted

  • No seller commission
  • Buyer Protection fee
  • Direct shipping via carrier partners
  • Item verification service
  • Bundle discounts
  • In-app messaging and offers

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

Vinted

  • A seller who wants to keep the full listed price of an item rather than losing a percentage to platform commissionnot Razorpay
  • A buyer comparing item prices across marketplaces who understands the checkout total includes a protection fee not shown on the listingnot Razorpay
  • Someone selling many low-value items where a commission-based platform fee would eat disproportionately into returnsnot Razorpay
  • A shopper in a European market where Vinted has deep local inventory and established shipping partnershipsnot 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.

Vinted

  • The Buyer Protection fee is not shown in the browsable item price, so comparing a listing price across Vinted and a commission-based competitor understates Vinted's true checkout cost unless the buyer manually adds the fee.
  • The fee is proportionally larger on cheap items, so buying several low-value pieces separately costs more in fees relative to item price than buying one higher-value item.
  • Sellers keeping the full sale price shifts cost to buyers rather than removing it, so the platform is not free to use overall, only free for the seller side of a transaction.
  • Item authentication is optional and limited to eligible higher-value categories, so counterfeit risk on everyday clothing items rests mostly on buyer judgement of listing photos and seller history.
  • Market strength is concentrated in Europe, and inventory depth, shipping partnerships and buyer volume are considerably thinner in markets outside its established base.

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

Vinted

Free
  • SellingFree
    • No commission deducted from the sale price
    • Seller receives the full listed amount
    • Shipping label cost typically passed to the buyer or built into price
  • BuyingFree
    • Buyer Protection fee calculated from item price, added at checkout
    • Covers refund if item does not arrive or does not match description
    • Fee is proportionally larger on lower-priced items

Which should you pick?

Choose Razorpay if

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

Choose Vinted if

  • You need no seller commission.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want buyer protection fee.
Vinted review

Questions people ask

Is Razorpay or Vinted better?
Neither clearly leads. Razorpay starts at On request and Vinted at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Vinted?
Vinted has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Vinted.
Does Razorpay or Vinted run on more platforms?
Razorpay runs on Web. Vinted runs on iOS, Android, Web.
Can I use Vinted for free?
Yes. Vinted 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 Vinted is typically brought in for.
What can Razorpay do that Vinted cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Vinted covers No seller commission, Buyer Protection fee, Direct shipping via carrier partners, Item verification service.

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.

Vinted: Does Vinted charge sellers a commission?

No, sellers receive the full listed sale price with no percentage taken by the platform.

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.

Vinted: So how does Vinted make money?

From a Buyer Protection fee added at checkout, calculated from the item price, which the buyer pays on top of the listed amount and shipping.

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.

Vinted: Is the buyer protection fee shown on the item listing?

No, it is calculated and added at checkout, so the browsable listing price does not reflect the final total a buyer pays.

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.

Share

Related pages

More on Razorpay

More on Vinted

Keep looking

Other head to heads