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E-Commerce · head to head

Razorpay vs Wish

Razorpay logo

Razorpay

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Wish logo

Wish

E-Commerce

Discount marketplace connecting buyers to low-cost goods from mostly Chinese sellers, now owned by Qoo10

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Wish 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.; Wish the US Federal Trade Commission previously took action against Wish over deceptive claims about product origin, shipping times and reference pricing, and the platform operated for years under the practices that prompted that action.
  • They diverge on capability: Razorpay covers Domestic payment methods, Wish covers Discount marketplace.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Razorpay and Wish actually diverge.

Attributes where Razorpay and Wish differ
AttributeRazorpayWish
Starting priceOn requestFree
Pricing modeltransactionFree to browse and use; pay per order
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 Wish

  • Discount marketplace
  • Personalised discovery feed
  • Wish Local pickup (select markets)
  • Price-drop and clearance sections
  • Buyer protection programme
  • Seller ratings

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

Wish

  • A budget shopper who already has a Wish account from its earlier growth period and wants to compare it against Temunot Razorpay
  • Someone in a market with Wish Local pickup wanting to avoid a residential delivery waitnot Razorpay
  • A buyer purchasing low-value novelty or accessory items where slow shipping and limited recourse are acceptable trade-offsnot Razorpay
  • A shopper comparing seller ratings and buyer protection terms across discount marketplaces before orderingnot 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.

Wish

  • The US Federal Trade Commission previously took action against Wish over deceptive claims about product origin, shipping times and reference pricing, and the platform operated for years under the practices that prompted that action.
  • Wish shrank substantially from its mid-2010s peak user base as Temu and Shein captured the same low-cost cross-border shopping demand with more aggressive marketing and larger catalogues.
  • The platform changed ownership in 2024 when ContextLogic sold it to Qoo10, so long-time users are now dealing with a different operating company than the one that built the original reputation, good or bad.
  • As with comparable ultra-low-cost marketplaces, individual sellers vary widely in reliability, and product safety and authenticity cannot be verified by the buyer before an item ships from overseas.
  • Shipping times remain long relative to domestic retailers, commonly one to three weeks, and buyer recourse for delayed or missing orders depends on the buyer protection programme actually being honoured.

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

Wish

Free
  • Pay per orderFree
    • Individual item prices frequently low, similar to Temu and Shein
    • Shipping times commonly one to three weeks
    • Customs duties may apply depending on destination country and order value

Which should you pick?

Choose Razorpay if

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

Choose Wish if

  • You need discount marketplace.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want personalised discovery feed.
Wish review

Questions people ask

Is Razorpay or Wish better?
Neither clearly leads. Razorpay starts at On request and Wish at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Wish?
Wish has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Wish.
Does Razorpay or Wish run on more platforms?
Razorpay runs on Web. Wish runs on iOS, Android, Web.
Can I use Wish for free?
Yes. Wish 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 Wish is typically brought in for.
What can Razorpay do that Wish cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Wish covers Discount marketplace, Personalised discovery feed, Wish Local pickup (select markets), Price-drop and clearance sections.

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.

Wish: Is Wish still owned by the company that built it?

No. ContextLogic sold the Wish platform and brand to Qoo10, a Singapore and Korea-based e-commerce group, in a deal completed in 2024.

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.

Wish: Did Wish face regulatory action over its practices?

Yes, the US FTC previously took action against Wish over misleading claims regarding shipping times, product origin and pricing, requiring clearer disclosures.

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.

Wish: How does Wish compare to Temu today?

Wish is considerably smaller in scale and marketing spend than Temu, though both offer a similar low-cost, long-shipping-time cross-border model.

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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