Razorpay is an Indian-based digital payment platform offering secure and seamless transaction experiences for businesses. It supports various payment methods including credit/debit cards, net banking, UPI, and wallets. Additional features include subscription-based payments, invoice management, and international payments. Razorpay is ideal for businesses of all sizes aiming to streamline their online payment procedures.

  • 01Pros and cons from reviewers
  • 02Main features
  • 03What is Razorpay?
  • 04How Razorpay compare to similar software?
  • 05Who is Razorpay best for according to our reviewers?
  • 06Razorpay Reviews

What is Razorpay?

Razorpay is an India-based digital payment solution designed to simplify online transactions. It allows businesses to accept, process, and disburse payments through various methods including credit/debit cards, net banking, UPI, and wallets. The platform supports international payments and offers a robust API for developers. It also features recurring payments, invoice generation, real-time data analysis, and prioritizes security with industry-leading encryption standards. Suitable for businesses of all sizes, Razorpay aims to streamline online payment processes. Special promotions are available for those looking to revolutionize their online transactions.

Pros from reviewers

  • Lower fees: Compared to other payment gateways, Razorpay charges comparatively lower fees, making it a cost-effective choice for businesses

  • Comprehensive reports and email notifications: Razorpay provides comprehensive reports and email notifications to clients, helping businesses keep track of their transactions

  • Easy integration: Razorpay can be easily integrated into any software, making it a flexible choice for businesses of all sizes.

  • User-friendly interface: Razorpay offers a clean, user-friendly interface that makes it easy for businesses to manage their payments

  • Acceptance of global debit/credit cards: Razorpay accepts almost all global debit and credit cards, making it a versatile payment gateway for businesses with international customers

Cons from reviewers

  • Lack of certain customer-centric features: Some users have reported that Razorpay lacks features such as gift cards and a standard or free version, which can limit its appeal to certain businesses

  • Inconsistent customer service: While some users have praised Razorpay's customer service, others have reported poor response times and lack of resolution to their issues, indicating inconsistency in the quality of customer support

  • Limited acceptance of international cards: Despite accepting a wide range of payment methods, Razorpay reportedly rejects many international cards, which can be a significant drawback for businesses with a global customer base

  • Issues with account approval and settlement process: Some users have reported sudden account blocking, lengthy approval processes, and delays in the settlement process, which can cause significant inconvenience and potential financial loss.

  • High transaction fees: Some users have reported that Razorpay's transaction fees are higher compared to other payment gateways, which can be a significant disadvantage for small and midsize businesses

Main features

Starting Price

N/A

Free Plan

No

Payment links

Secure transactions

Payment gateway

API-driven automation

Multiple payment modes

Razorpay and Stripe are versatile payment gateways offering unique approaches to facilitating transactions, enhancing security, and supporting business growth. Understanding the differences between these platforms can help guide you toward the most suitable solution for your business needs.


Razorpay is a comprehensive payment solution designed with a focus on the Indian market. It supports a wide range of payment modes, including UPI, credit/debit cards, net banking, and mobile wallets. Razorpay excels in providing localized features like recurring billing, automated payment collection, and a user-friendly dashboard for real-time data insights. Its integration capabilities are seamless with popular e-commerce platforms and accounting software, making it a preferred choice for businesses looking for a robust and versatile payment gateway within India.


In contrast, Stripe offers a global payment processing solution with extensive support for over 135 currencies and a multitude of...

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Who is Razorpay best for according to our reviewers?

  • Service Industry: Razorpay is a good choice for businesses in the service industry that don't require a GST number to use their business solution. It also doesn't charge an annual maintenance fee, unlike some other payment gateways

  • Small and Midsize Businesses: These businesses can benefit from Razorpay's ability to accept payments through all online methods, including foreign currency. They also provide comprehensive reports and email notifications to clients, and send payment reminders for timely collection in case of credit sales

  • E-commerce Platforms: Razorpay is popular among the e-commerce community in India, offering multiple payment methods and the flexibility to pay using mobile payment apps. It can be integrated into any shopping website or CRM software, or simply used to send payment links to customers

  • Businesses Needing International Payments: Razorpay supports international payments, making it suitable for businesses that deal with customers outside of India. However, it does reject many international cards and its payment method could be simplified

  • Businesses Seeking User-Friendly Interface: Razorpay has a clean, user-friendly interface and ability to accept almost all global debit/credit cards with a minimal fee, making it suitable for businesses that value ease of use.

  • Razorpay Reviews

    3.8

    Razorpay rating

    4.0

    Ease of use

    3.5

    Customer service

    3.6

    Value for money

    4.1

    Likelihood to recommend

    3.9

    Features

    24 Razorpay Reviews

    3.8 (24 reviews)
    Leave a review
    • Evelyn

      Razorpay: A Global Payment Solution for Online Tutors

      As an online tutor, I use Razorpay for accepting payments from my students across the globe. The platform supports international payments which is a big plus for me

      September 14, 2024

    • Samantha

      My Unique Customer Service Experience with Razor Pay

      I've been utilizing the Ezetap Razor Pay POS machine, which has been an interesting journey over the past 4 days. I've had the opportunity to interact with their customer service over 1 times, which has been quite an experience. They've consistently advised me to liaise with my bank, which has been a great way to strengthen my communication skills. When I reach out to my bank, they redirect me back to Razor Pay, creating a dynamic loop of interaction. It's like an exciting game of pass the parcel. This has been one of the most unique service experiences I've ever had.

      September 10, 2024

    • Zadie D

      Razorpay: Versatile Payment Gateway with Multiple Options

      As a user, I find Razorpay to be the perfect solution for businesses looking to offer their customers a wide range of payment options, such as credit and debit cards, UPI, net banking, and various mobile wallets. In my view, it's the top payment gateway, accepting credit and debit cards, UPI, net banking from over 50 banks, and a variety of mobile wallets. I appreciate its user-friendly interface, complete with features like automated receipts and personalized payment pages. I can incorporate a broad array of Razorpay integrations, including those for OpenCart, WordPress, and Shopify. It charges a fixed processing fee, which is typically slightly lower than Instamojo. I also appreciate the 24/7 live customer support provided by Razorpay. However, I find its security lacking as SSL support is not consistently used. I also miss customer-centric features like gift cards, and I'm disappointed that Razorpay doesn't offer a standard or free version.

      September 1, 2024

    • Bruce D

      Razorpay's Analytics: A Digital Marketer's Essential Tool for Real-Time Sales Performance Analysis

      As a digital marketer, I find the analytics provided by Razorpay extremely useful. It helps me track and analyze the performance of our online sales in real-time

      August 24, 2024

    • Roger

      Seamless Integration and User-Friendly Experience with Razorpay

      I've been using Razorpay for the past 8 months and my experience has been excellent. I find the modern UI attractive and the API documentation is thorough with a quick response time. Their approval process is swift and they offer better payout cycles. However, I wish there was a feature that allowed customers to deduct 10% TDS before payment on the automated invoices we generate. There is a workaround through enabling partial payment, but it's not foolproof as there's no control over the amount the customer will pay. I chose Razorpay for its quick start and setup, detailed API documentation, ease of use, and great UI. I switched from CCAvenue due to their lengthy and exhausting approval process and poor customer service. They deducted money during my first year of free membership, which led to mistrust, even though they returned the money after a few follow-ups.

      August 17, 2024

    • Unity D

      Unprecedentedly Poor Customer Service from Razorpay

      After using Razorpay for a year, they suddenly blocked my service, claiming that partner banks had rejected my company. On the same day, they sent me an email saying everything was approved. For a week, I was getting daily contradictory emails, some saying approved, others saying blocked. I even got a call saying it was approved, only to receive an email later saying it was blocked. After two weeks, they finally decided it was blocked and said they would only settle my money after 120 days. If there was a reason for rejection, they should have done it at the start, not after a year of usage and after collecting more than a lakh. They deserve to be sued. They had international payments. Their customer service is, to put it mildly, pathetic. They play around with the company's money and fail to communicate for weeks.

      August 13, 2024

    • Livia M

      Razorpay: A Unique Payment Gateway with Exceptional Support System

      I find Razorpay to be an incredibly unique payment gateway. Its support system is truly one-of-a-kind. They promise resolution within 24-48 hours, but they often take 1-15 days to provide a solution, ensuring they thoroughly investigate and resolve any issues. I strongly recommend using this payment gateway for its meticulous problem-solving approach.

      August 6, 2024

    • Arthur Miller

      Securing Flight Refund with Razorpay and EMT: A Journey of Persistence and Communication

      I've been working with Razorpay and EMT to secure a refund for my canceled flight, Booking ID - EMT121996898, PNR - 5H9428. It's been quite a journey, but I'm impressed with the level of communication between the two companies. It's been over 1.5 months, and I'm confident that my refund is on its way. The process may be taking a bit longer than expected, but I appreciate their dedication to resolving my issue. I'm looking forward to seeing the resolution soon!

      July 28, 2024

    • Kathleen F

      Effortless Transaction Handling with Razorpay

      I find Razorpay simple to use and set up, thanks to its user-friendly interface. I value its compatibility with various platforms and payment methods, and its fast and secure transaction processing. The customer service is outstanding. However, I believe the transaction fees are high for some businesses and the reporting and data analysis features are somewhat limited.

      July 23, 2024

    • Lauren

      Razorpay: A Superior Payment Gateway for Small and Medium-Sized Businesses

      I find Razorpay to be the best Payment Gateway system. They've streamlined their support system by focusing on chat options for immediate assistance. Overall, my experience with them has been absolutely fantastic. It's incredibly empowering for small and medium-sized businesses like mine.

      July 14, 2024

    • Juan Smith

      Neglectful User Experience

      I had a poor customer experience with Razorpay. They didn't respond to my ticket ID -8528794, created on May 16th, despite promising to get back to me within 2 business days. It's been 13 days with no update. However, the problem has now been resolved.

      July 9, 2024

    • Amber E

      Swift Setup and Attractive Discounts with Razorpay

      I appreciate the credits I receive from Razorpay, which I can use for commission-free payments. I find all the features I need in the Razorpay payment gateway portal, which is straightforward and easy to use. It only takes me 10-15 minutes to understand how to raise invoices and create payment pages. However, some international cards are not accepted and there are occasional issues with low limits. Apart from that, everything is fine.

      July 1, 2024

    • Abigail S

      Poor Razorpay Customer Service Experience

      I had a disappointing experience with Razorpay's technical support. While I liked the simplicity of setting up with their ready-to-use plugins, I faced issues, especially with their API functionality. I reported the problem in February 2022, but it's still unresolved three months later, with the support team only assuring me they'll fix it as soon as they can.

      June 23, 2024

    • Quentin M

      Razorpay Boosts Non-Profit Fundraising Reach

      As a non-profit organization, we have been using Razorpay for our fundraising campaigns. The ease of accepting donations through multiple payment methods has greatly increased our reach

      June 18, 2024

    • Keturah D

      An Insightful Journey with Razorpay: A Review on Security and Thoroughness

      My experience with Razorpay, the payment gateway, was truly enlightening. I submitted all the necessary information and spent 6 days interacting with their team for document verification. On the 7th day, they made a decision to disapprove my account, which was unexpected. However, I believe this was a learning curve for me and I appreciate their stringent security measures. I would definitely recommend Razorpay to businesses who prioritize security and thoroughness.

      June 9, 2024

    • Billy E

      Exceptional Customer Service Experience with Razorpay

      My experience with Razorpay's customer service has been truly remarkable. I had a credit line issue that was handled within a month, and throughout the process, I was kept informed via numerous emails. I was pleasantly surprised when my ticket was automatically closed, indicating a swift resolution. Personally, I would highly recommend using Razorpay due to their exceptional customer service.

      June 3, 2024

    • Rebecca S

      Efficient Payment Gateway Boosts Customer Satisfaction for E-commerce Entrepreneur

      As an e-commerce entrepreneur, I appreciate Razorpay's efficient payment gateway. It has significantly reduced the time taken for checkouts, leading to improved customer satisfaction

      May 28, 2024

    • Karen Davis

      Razorpay: The Ideal Payment Solution for Businesses

      As a financial advisor, I have recommended Razorpay to many of my clients. Its robust security features and seamless integration with various platforms make it an excellent choice for businesses of all sizes

      May 18, 2024

    • Denise B

      Exploring Razorpay: A Journey of Digital Payments and Security

      I've had quite an interesting journey with the Razorpay website! I've been in the process of creating an account for a week now, and they've been thoroughly reviewing my KYC, which I appreciate as it shows their commitment to security. They've requested me to upload a video KYC, and I'm looking forward to receiving a proper link to do so. I noticed they don't have a customer care number, which is a unique approach, focusing on digital communication. It's a different kind of portal and I'm excited to navigate through it. I'm considering this as a learning curve and I'm eager to see how my business will grow with them!

      May 13, 2024

    • Juan C

      Razorpay: A Small Business Owner's Best Friend

      As a small business owner, I have found Razorpay to be an invaluable tool for managing my online transactions. The interface is user-friendly and the transaction process is smooth and quick

      May 6, 2024

    • Mary D

      Experiencing Exceptional Service with Razorpay: A Customer's Perspective

      I've been a loyal customer of Razorpay for the past 4 years and I am absolutely thrilled with their service. I've encountered some technical challenges with their payment gateway, but it's been an opportunity for me to learn and grow my business. I've raised a ticket (ID 171963) and have been actively communicating with their team via chat. Their response has always been a sincere Sorry for Inconvenience, which shows their commitment to customer satisfaction. Their service has been a refreshing change from the usual, even surpassing some government companies. I wholeheartedly recommend using Razorpay for their exceptional service.

      April 27, 2024

    • Irene S

      Simplified Invoicing with Razorpay

      As a freelancer, Razorpay has simplified my invoicing process. The feature to create and send professional invoices directly from the platform is truly commendable

      April 22, 2024

    • Victoria R

      Premier Choice for Online Payment Collection: Razorpay

      I've been using Razorpay for many of my e-commerce clients who run WooCommerce or Shopify-based stores and it's been a fantastic experience. Integrating Razorpay into any software is incredibly easy thanks to its comprehensive documentation and ready-to-use plugins. Its multiple payment methods make it highly flexible for online payments. One of the key features I appreciate is its Custom Payment Pages, which allow us to list our products and services and collect payments for them. Razorpay is currently the most popular payment gateway among the e-commerce community in India, offering multiple payment methods and the flexibility to pay using mobile payment apps. It can be integrated into any shopping website or CRM software, or simply used to send payment links to customers. One of the best features I've found is the ability to design payment pages where we can list our services and collect payment. The customer support is also impressive, with a dedicated relationship manager for each account to quickly resolve payment issues. Overall, I believe it's an excellent product for any online store.

      April 16, 2024

    • Richard W

      Razorpay: Top-tier Payment Solution for Small to Midsize Businesses

      I had a fantastic experience with Razorpay and am completely satisfied with their service. I would recommend Razorpay as the top payment solution for small and midsize businesses. They accept payments through all online methods, including foreign currency, and provide comprehensive reports and email notifications to clients. They also send payment reminders for timely collection in case of credit sales. However, their pricing for UPI and Rupay Cards is higher compared to other payment gateways like Paytm, Paykun, and CC Avenue. I chose Razorpay because Cashfree doesn't support credit cards, Paytm requires a GST number to use their business solution which isn't necessary in the service industry, and CCavenue charges an annual maintenance fee which isn't the case with Razorpay. I switched to Razorpay because Paykun had many transaction failures compared to Paytm and Razorpay, and often my clients couldn't pay via credit card over the Paykun payment gateway.

      April 13, 2024