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Software · head to head

Razorpay vs Wise Business

R

Razorpay

Software

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

From
On request
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Software

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • 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; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP

Where they differ

Only the attributes on which Razorpay and Wise Business actually diverge.

Attributes where Razorpay and Wise Business differ
AttributeRazorpayWise Business
Starting priceOn request$29/month
Pricing modeltransactionusage-based
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2011

Identical on both: free tier (No), user rating (Not yet rated), category (Unknown).

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 Wise Business does not also cover.

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

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.

Wise Business

  • Holding and converting multiple currencies as a businessnot Razorpay
  • Paying international suppliers and contractors at the mid market ratenot Razorpay
  • Receiving payments into local currency account details in several countriesnot 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

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

Which should you pick?

Choose Razorpay if

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

Razorpay review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Razorpay or Wise Business better?
Neither clearly leads. Razorpay starts at On request and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Wise Business?
Razorpay starts at On request and Wise Business at $29/month.
Does Razorpay or Wise Business run on more platforms?
Razorpay runs on Web. Wise Business runs on Web, Ios, Android, Api.
What can Razorpay do that Wise Business cannot?
Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.
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Related pages

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