Razorpay vs Stripe: Which Is Better? (2026)

Razorpay charges 2% per transaction for domestic Indian payments, while Stripe India charges 2% + applicable taxes. Razorpay also offers lower rates for UPI and netbanking. For high-volume domestic businesses, Razorpay's pricing is more competitive.

Razorpay offers native UPI integration, UPI AutoPay for recurring payments, and supports 100+ Indian payment methods including netbanking, wallets (Paytm, PhonePe), and EMI options. Stripe supports UPI in India but lacks the depth of local integrations Razorpay provides.

Stripe's API documentation, SDKs, CLI tools, and developer resources remain the industry gold standard globally. While Razorpay has solid APIs and good documentation for Indian developers, Stripe's ecosystem of libraries, plugins, and community resources is significantly more mature.

Stripe operates in 46+ countries and supports 135+ currencies. Razorpay primarily serves India, Malaysia, and a handful of other markets. For businesses selling internationally or expanding beyond India, Stripe offers far broader geographic coverage.

Stripe offers a comprehensive fintech stack including Connect (marketplaces), Billing (subscriptions), Radar (fraud), Terminal (POS), Atlas (incorporation), Identity, Tax, and more. Razorpay has RazorpayX (business banking), Payroll, and Route (payouts) — strong for India but narrower in scope.

RazorpayX provides a full-stack neo-banking platform for Indian businesses with current accounts, payroll, vendor payments, tax payments, and automated accounting integration. Stripe has no equivalent offering for business banking in India.

Razorpay offers instant settlements and next-day settlements as standard for qualifying merchants in India. Stripe India settles funds in T+2 days. For cash-flow-sensitive Indian businesses, Razorpay's faster settlements are a clear advantage.