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Payments & Billing
Razorpay
India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.
FindThatSoftware verdictEditorial ruling
A practical default for Indian businesses that need to accept online payments quickly, including UPI and payment links with no website. Confirm current transaction fees and settlement terms on the official pricing page, as rates vary by method and plan.
FindThatSoftware has source-checked this listing and keeps 3 public sources visible for buyer verification.
Should you use Razorpay?
Use it if indian businesses accepting UPI, cards, and netbanking online. Avoid it if businesses needing payments outside India as the primary market.
Spec sheet
- Starting price
- Paid / usage-based
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 14 Jul 2026
- Source trail
- 3 public sources
- Affiliate link
- No
Is this your product? Claim or correct this listing
The trade-off, weighed
What you gain, and what you give up.
The case for
- Broad Indian payment method coverage including UPI
- Payment links and subscriptions reduce build effort
The catch
- Per-transaction fees apply to every payment
- Exact rates vary by method and need verification
True India price
What actually changes for a buyer in India.
- Watch for
- Verified Jun 2026 (official pricing): Standard plan charges a flat 2% per successful domestic transaction (cards, UPI, netbanking, wallets) with no setup, annual, or refund fees; 18% GST applies on the fee. International cards up to 3%. Settlement T+1 (instant available).
Paying for more than Razorpay? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is Razorpay?
Razorpay is a widely used Indian payments platform offering a payment gateway, payment links, subscriptions, and payouts. It supports UPI, cards, netbanking, and wallets, making it a common default for Indian businesses collecting online payments.
Best for
- Indian businesses accepting UPI, cards, and netbanking online
- Teams needing payment links without building a checkout
Who should avoid it
- Businesses needing payments outside India as the primary market
- Buyers who want a free, no-transaction-fee option
Pros
- Broad Indian payment method coverage including UPI
- Payment links and subscriptions reduce build effort
Cons
- Per-transaction fees apply to every payment
- Exact rates vary by method and need verification
What Razorpay does
Works with Razorpay
Tools in our catalog that Razorpay integrates with — useful when you're assembling a connected stack.
Compare Razorpay
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Similar tools to Razorpay
Compare practical options in the same category by price, fit, and caveats.
Comparison pages
Razorpay vs Instamojo: Which Payment Tool for India? (2026)A full payment gateway versus the fastest way for tiny sellers to get paid.Razorpay vs PayU: India Payment Gateway Comparison (2026)Two of India's most-used payment gateways compared on fees, features and developer experience.Razorpay vs Cashfree for an Indian businessRazorpay 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.
Pricing caveat and source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
Verified Jun 2026 (official pricing): Standard plan charges a flat 2% per successful domestic transaction (cards, UPI, netbanking, wallets) with no setup, annual, or refund fees; 18% GST applies on the fee. International cards up to 3%. Settlement T+1 (instant available).
Razorpay pricinghttps://razorpay.com/pricing/Razorpay (official site)https://razorpay.com/Razorpay official sitehttps://razorpay.com/
Verified against the sources above. How we research & rate software →
In practice
Where Razorpay fits in a workflow
These stacks show when to use this tool, what comes before it, and what should be handled manually first.
Software stack to build and run a SaaS startup in India
Start with the product itself: a place to write and ship code, host it reliably, and catch errors in production, because nothing else matters until customers can actually use what you built. Next, get the team coordinated with project management and a shared knowledge base so work and decisions are not lost in chat. Then put customer acquisition on a real CRM so leads, demos, and deals are tracked rather than living in inboxes. Add billing and accounting once you have paying users, choosing payment rails that fit whether you sell to India, abroad, or both, and keep GST-clean books from day one. Finish with customer support, product analytics, and access security so you can keep users happy, see what they actually do, and not get breached. Do not buy enterprise sales, analytics, and security suites before you have product-market signal; sequence around shipping and getting your first paying customers.
- Tools in stack
- 21
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Software stack to build an app without code in India
Start by choosing the right no-code platform for what you are building, because a customer-facing web app, a mobile app, and an internal portal each suit different tools. Next, model your data cleanly in a database or spreadsheet backend, since a messy data model is the most common reason no-code projects collapse later. Then build the interface and logic so users have real screens and workflows, not just a database. Add payments, forms, and automations to connect your app to the outside world and remove manual work. Finish by launching, securing team access, and measuring usage so you know the app works and is safe. Do not expect no-code to scale infinitely; it is excellent for validating and running real workflows, but be honest about its ceilings and plan to move to custom code if you outgrow it.
- Tools in stack
- 14
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Software stack to launch a website in India
Start by choosing a website builder that matches your skill and needs, because the builder decides how fast you launch and what you can do later. Sort your domain and hosting next, remembering that most builders bundle hosting while self-hosted WordPress needs its own, so you do not pay twice. Then design and write the site so it looks credible and explains clearly what you offer, since a confusing site loses visitors in seconds. Add lead capture, booking, and payment tools so the site actually does something, whether that is collecting enquiries, taking appointments, or selling. Finish by getting found and measuring, with basic SEO, a Google presence, and analytics so you know what is working. Do not over-build a complex site before you have visitors; launch a clear, fast site and improve it with real data.
- Tools in stack
- 17
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Should you use Razorpay?
Use Razorpay if indian businesses accepting UPI, cards, and netbanking online. Avoid it if businesses needing payments outside India as the primary market.
Is Razorpay good for Indian small businesses?
Razorpay is worth evaluating for Indian buyers, but the final fit depends on pricing limits, support, integrations, and setup effort.
Does Razorpay have a free plan?
Razorpay does not list a permanent free plan in FindThatSoftware data. Check the official pricing page for trial terms and current offers.
Not sure if Razorpay is the right fit?
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