Payment Gateways

GoCardless vs Razorpay

Both are payment gateways. The short answer: choose GoCardless if you are businesses collecting recurring payments by bank debit; choose Razorpay if you are online businesses and startups wanting a developer-friendly gateway.

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GoCardless logo GoCardlessRazorpay logo Razorpay
Best forBusinesses collecting recurring payments by bank debitOnline businesses and startups wanting a developer-friendly gateway
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaGlobalYes
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Lower fees than cards for recurring payments
  • Automatic retries for failed payments
  • Integrates with Xero and QuickBooks
  • Wide payment method support
  • Payment links without a website
  • Good developer documentation
Watch out for
  • Bank payments take days to settle
  • Not for one-off card checkouts
  • Fees and settlement terms vary by business type
  • KYC approval required
Visit GoCardlessVisit Razorpay

Which should you choose?

GoCardless: Payment platform for direct debit and bank payments, popular for subscriptions and recurring invoices in the UK and Europe.

Razorpay: Payment gateway with UPI, cards, netbanking and wallets, plus payment links, pages, subscriptions and invoices.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all payment gateways compared.