#7 in Payments & BillingUpdated 2026-08

Razorpay

by Razorpay · India payments suite with business banking, payroll and payouts

54 — BenchRank score out of 100

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Overview

Razorpay is an India-focused payments suite for accepting, processing and disbursing payments, including a payment gateway, payment links, pages, buttons, QR codes, subscriptions and in-store POS. Businesses integrate via REST APIs, SDKs, plugins and webhooks, or use the no-code tools. RazorpayX adds current accounts, payouts, payroll, corporate cards and credit lines.

Best for: Indian businesses accepting online payments that also want banking, payroll and payouts in one place
Pricing: 0% platform fee for the first 90 days, then 2% per transaction (page footnote states 2.15% + GST); payroll subscriptions start at ₹2499 and businesses over ₹5,00,000 monthly revenue must contact sales.
Runs on: Web

Strengths and trade-offs

Strengths

100+ payment methods: UPI, cards, netbanking and wallets
No-code options: payment links, pages, buttons, QR codes, invoices
Documented REST APIs, SDKs, platform plugins and webhooks
Payments, business banking, payroll and credit on one platform

Trade-offs

Built around India; pricing in INR and services under RBI-regulated entities
0% platform fee lasts 90 days only, then 2% per transaction
Above ₹5,00,000 monthly revenue, pricing is contact-sales only
Banking and lending are provided by partner banks, not Razorpay itself

Pricing

Published plans from Razorpay’s own pricing page, in INR. Usage charges and add-ons may apply on top.

Razorpay pricing tiers, monthly rates in INR
Plan	Monthly	Includes
Start accepting payments at just 2%	—per transaction	0% platform fees for the first 90 days, then 2% Footnote states platform fee 2.15% + GST Cards, UPI, netbanking, wallets, EMI, pay later, credit card on UPI Payment Links, Pages, Buttons and Invoices at the same cost
ENTERPRISE PLAN	Contact sales	For monthly revenue above ₹5,00,000 Customised pricing for large payment volumes Arranged by contacting sales
RazorpayX Payroll	—	Subscriptions start at ₹2499 (billing period not stated) 1 month free + 20% off when taken with Business Banking+ Salary transfers plus TDS, PF, ESI and PT filing

How this score is made up

Each dimension is scored out of 100 and combined into the headline score using fixed weights.

MCP support: 80 out of 100
API quality: 70 out of 100
Documentation: 60 out of 100
Agent friendliness: 83 out of 100
Pricing transparency: 20 out of 100
Changelog: 0 out of 100
Marketing site structure: 40 out of 100
Operational trust: 25 out of 100

Measured, but not part of the score

Useful to know, but not a mark for or against the product — so these do not affect the ranking.

Openness: 60 out of 100
Maintenance: 100 out of 100

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