Payment Gateways

Razorpay vs Wise Business

Both are payment gateways. The short answer: choose Razorpay if you are online businesses and startups wanting a developer-friendly gateway; choose Wise Business if you are freelancers, agencies and exporters receiving and paying in foreign currencies.

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Razorpay logo RazorpayWise Business logo Wise Business
Best forOnline businesses and startups wanting a developer-friendly gatewayFreelancers, agencies and exporters receiving and paying in foreign currencies
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesPayment GatewaysPayment Gateways, Freelancer & Agency Tools
Strengths
  • Wide payment method support
  • Payment links without a website
  • Good developer documentation
  • Transparent fees and real exchange rates
  • Local account details for USD, GBP, EUR and more
  • Batch payments
Watch out for
  • Fees and settlement terms vary by business type
  • KYC approval required
  • Product range differs by country — check what is available in India
  • Not a full bank account everywhere
Visit RazorpayVisit Wise Business

Which should you choose?

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

Wise Business: Multi-currency business account with local bank details in several currencies and transfers at the mid-market exchange rate.

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.