Razorpay is the safer default for most Indian businesses that need fast, broad online payments. Cashfree pulls ahead for marketplaces and cross-border collections thanks to its payouts and PA-CB licensing.
✓ The pick — Razorpay
Source-backed facts only; no invented ratings. Each side shows the verified numbers, what earns it, and what to watch for.
India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.
India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.
The all-in India cost for a GST-registered business (card forex included), plus the gross figure if you can't reclaim GST, billing model, and free-plan availability. Cheaper entry price is marked.
| India buying factor | Razorpay | Cashfree Payments |
|---|---|---|
| India price (entry) | Not listed | Not listed |
| If you can't reclaim GST | — | — |
| Billing model | Flat plan | Flat plan |
| Bills in | INR — no forex | INR — no forex |
| Free plan | No | Yes |
| Free trial | Not listed | Not listed |
Narrow on purpose — which tool someone like you should pick, and why. Not every checkbox.
Choose Razorpay for the widest adoption, documentation, and quick setup on standard online payments. Choose Cashfree when you need bulk payouts, heavy UPI AutoPay subscriptions, or cross-border collection with INR settlement. Both charge a per-transaction percentage — confirm your effective rate against your own payment mix.
Not sold on either?Razorpay alternativesCashfree Payments alternatives
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