Provider profile · 2026 edition
Razorpay review 2026: scores, fees and alternatives.
An Indian payment gateway and RBI-authorised payment aggregator.
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An Indian payment gateway and RBI-authorised payment aggregator.
Razorpay scores 3.6 out of 5 (73 out of 100) in the Buckingham Intelligence Payment Processing and Acquiring Index 2026 and ranks 4 of 10. It is strongest for businesses selling to customers in India through UPI, cards and netbanking, with 5 out of 5 for payment methods, payout speed and integration. Not published or not stated on the pages read: regulatory standing.
Scores from the Payment Processing and Acquiring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small and mid-sized merchants | 84 | 1 of 10 |
| For enterprise and cross-border merchants | 69 | 6 of 10 |
| For platforms and regulated firms | 67 | 6 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Businesses selling to customers in India through UPI, cards and netbanking.
What Razorpay publishes on its own pages, read on 26 October 2026.
An Indian payment gateway and RBI-authorised payment aggregator. It publishes one standard rate, 100+ payment methods, next-day or instant settlement and no-code tools. It serves India only, and the RBI authorisation is stated without a reference number.
| Fact | What the provider publishes |
|---|---|
| Pricing | Standard plan "2%" per transaction plus GST; "Platform fee 2.15% + GST" for some methods; first 90 days at "0% fee (down from 2%)" (promotional); "Maintenance: ₹0"; "Integration Support: ₹0". |
| Payment methods | "100+ Payment Methods"; "accept payments in over 100 currencies"; cards, netbanking, UPI and wallets. |
| Merchant reach | "A comprehensive payments suite in India"; accepts cards, bank transfers and Apple Pay "from 180+ countries". Serves India only. |
| Payout speed | Funds settled to the bank account "according to your settlement cycle (typically T+1 or Instant)"; Instant Settlements priced as an optional extra. |
| Integration | APIs with a playground, website and app plugins, no-code Payment Links and Payment Pages, online sign-up. |
| Regulatory standing | "Razorpay Payments Private Limited is an RBI Authorised Payment Aggregator." No reference number or PCI DSS level on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: razorpay.com, razorpay.com/pricing.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Payment Processing and Acquiring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Stripe | 4.2 | 1 of 10 | Online businesses wanting full published pricing and self-serve sign-up in many countries |
| Adyen | 3.9 | 2 of 10 | Large merchants wanting local acquiring and many payment methods from one licensed bank |
| Mollie | 3.6 | 3 of 10 | UK and European small businesses wanting simple published rates and daily payouts |
| Airwallex | 3.5 | 5 of 10 | Businesses wanting card acceptance with settlement into a multi-currency account |
| Nuvei | 3.4 | 6 of 10 | Merchants in gaming, travel and high-volume sectors needing many local methods |
| PayPal Braintree | 3.0 | 7 of 10 | Online merchants wanting card and PayPal acceptance with published UK rates |
| Checkout.com | 2.8 | 8 of 10 | Large online merchants needing local acquiring across many regions |
| SumUp | 2.6 | 9 of 10 | Small UK retailers and sole traders taking card payments in person |
| Worldpay | 1.6 | 10 of 10 | UK merchants wanting an established acquirer with next-day settlement |
Side by side on every criterion, fact and award.
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