Payment Gateways

Razorpay vs Stripe

Both are payment gateways. The short answer: choose Razorpay if you are online businesses and startups wanting a developer-friendly gateway; choose Stripe if you are online businesses and SaaS companies taking card payments internationally.

Some links on this site are affiliate links. If you buy through them we may earn a commission at no extra cost to you. Our rankings are not for sale; sponsored placements are always labelled.

Razorpay logo RazorpayStripe logo Stripe
Best forOnline businesses and startups wanting a developer-friendly gatewayOnline businesses and SaaS companies taking card payments internationally
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Wide payment method support
  • Payment links without a website
  • Good developer documentation
  • Excellent API and documentation
  • Subscriptions, invoicing and tax tools
  • Available in dozens of countries
Watch out for
  • Fees and settlement terms vary by business type
  • KYC approval required
  • Pay-per-transaction fees add up at scale
  • Account reviews can delay payouts for new businesses
Visit RazorpayVisit Stripe

Which should you choose?

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

Stripe: Global payments platform for accepting cards, wallets and local payment methods online, with subscriptions, invoicing and strong developer tools.

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.