Payment Gateways

Razorpay vs GoCardless

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

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

Which should you choose?

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

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

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.