Paystack vs Razorpay: Pricing Comparison 2026
Side-by-side pricing comparison of Paystack and Razorpay. See all plans, features, and costs at a glance.
Bottom line: Both Paystack and Razorpay offer free plans. Paystack has 4 pricing tiers while Razorpay has 3.
Last updated: March 16, 2026
Paystack vs Razorpay: Quick Pricing Facts
| Feature | Paystack | Razorpay |
|---|---|---|
| Starting Price | Custom pricing | $2499/mo |
| Number of Plans | 4 | 3 |
| Free Tier | Yes | Yes |
| Pricing Model | usage-based | usage-based |
| Annual Discount | N/A | N/A |
Paystack and Razorpay are both priced at Custom pricing, making them equally accessible Payment & Billing tools. Together they offer 7 pricing plans with 20 features compared, so the best choice comes down to which features match your needs.
Both tools offer free plans, making them accessible for teams on a budget.
Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Payment & Billing needs.
| Pricing Plans |  Paystack Try it free |  Razorpay Try it free |
|---|---|---|
| Tier 1 | Free $0/monthCheapest Includes
| |
| Tier 2 | Standard $0/monthCheapest Includes
| Business Banking+ $2499/month $2499 / year Includes
|
| Tier 3 | PremiumPopular $0/monthCheapest Includes
| Enterprise Custom pricing Includes
|
| Tier 4 | Enterprise Custom pricing Includes
| — |
Swipe to compare plans →
Paystack
Paystack offers a free plan, offers 4 tiers vs 3.
Based on pricing data only. Review the full comparison below for your specific needs.
Best value: Paystack
Try Paystack freeWhich Should You Choose?
Choose Paystack if:
- •You prefer Paystack's free tier features—No monthly fees, Basic features
- •You need 4 pricing tiers for flexible team sizing—more options mean less overpaying for features you don't need
- •You want more features built-in—Paystack offers 4 additional features across its plans
Choose Razorpay if:
- •You prefer Razorpay's free tier features—Accept payments at 2% platform fee, Access to intelligent checkout experience
- •You prioritize Razorpay's user experience and interface over price (both tools are similarly priced)
- •You need predictable billing — Razorpay's usage-based model avoids surprise overages
Both Paystack and Razorpay offer free plans [1], eliminating cost barriers for evaluation. This means you can test both tools thoroughly with your actual workflows before any financial commitment. The free tiers differ in scope: Paystack includes 3 features, while Razorpay includes 2 features. Evaluate which free tier matches your evaluation needs before deciding to upgrade. Your best approach is to activate both free trials and evaluate which tool's workflow, integrations, and user experience align better with your team's needs before committing to paid plans.
Frequently Asked Questions: Paystack vs Razorpay
How many pricing plans does Paystack have vs Razorpay?
Does Paystack or Razorpay offer a free plan?
Can I save money by paying annually for Paystack or Razorpay?
What is the most popular Paystack plan?
Does Paystack or Razorpay offer custom enterprise pricing?
How do Paystack and Razorpay compare for Payment & Billing?
Sources
- Paystack Official Pricing— Vendor pricing page
- Razorpay Official Pricing— Vendor pricing page
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