Razorpay vs Stripe: Pricing Comparison 2026
Side-by-side pricing comparison of Razorpay and Stripe. See all plans, features, and costs at a glance.
Bottom line: Stripe starts at $13/mo, making it $2486/mo cheaper than Razorpay ($2499/mo). Razorpay offers a free plan.
Last updated: May 26, 2026
Razorpay vs Stripe: Quick Pricing Facts
| Feature | Razorpay | Stripe |
|---|---|---|
| Starting Price | $2499/mo | $13/mo |
| Number of Plans | 3 | 9 |
| Free Tier | Yes | Yes |
| Pricing Model | usage-based | usage-based |
| Annual Discount | N/A | N/A |
Stripe is the more affordable option, starting at $13/mo compared to Razorpay's $2499/mo. Both are Payment & Billing tools with 12 combined pricing plans and 34 features compared.
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 |  Razorpay Try free |  Stripe Try free |
|---|---|---|
| Tier 1 | Free $0/monthCheapest Includes
| |
| Tier 2 | Business Banking+ $2499/monthCheapest $2499 / year Includes
| Standard Pricing Custom pricing Includes
|
| Tier 3 | Enterprise Custom pricing Includes
| Managed Payments Custom pricing Includes
|
| Tier 4 | - | Billing $500/monthCheapest $42 / year Includes
|
| Tier 5 | - | Tax Complete $80/monthCheapest $7 / year Includes
|
| Tier 6 | - | Stripe Sigma $13/monthCheapest $1 / year Includes
|
| Tier 7 | - | Data Pipeline $57/monthCheapest $5 / year Includes
|
| Tier 8 | - | Revenue Recognition $20/monthCheapest $2 / year Includes
|
| Tier 9 | - | Custom Pricing Custom pricing Includes
|
← Swipe to compare plans →
Ready to get started? Try either tool free — no credit card required.
Which Should You Choose?
Choose Razorpay if:
- •Your business operates primarily in India and needs support for UPI, Netbanking, and Indian wallets
- •Razorpay's payment gateway, business banking, and lending products serve the Indian market natively
- •You need payroll processing and vendor payments alongside payment collection - Razorpay X handles both
- •Indian regulatory compliance (RBI guidelines, GST invoicing) is built into the platform
Choose Stripe if:
- •You need a global payment platform operating in 46+ countries with 135+ currencies
- •Stripe's developer experience, documentation, and API design are the industry standard worldwide
- •Your business model requires subscriptions, marketplace payments, or multi-party financial flows
- •Stripe's product suite (Billing, Connect, Atlas, Radar, Tax) provides a complete financial platform
Razorpay and Stripe compete in India but serve different geographic strategies. Razorpay is India's leading payment gateway: 2% per domestic transaction, UPI, Netbanking, cards, wallets, and EMI options. Razorpay also offers RazorpayX (business banking), Razorpay Capital (lending), and payroll - creating a financial ecosystem for Indian businesses. Stripe entered India and charges 2% per domestic transaction. Global coverage spans 46+ countries with 135+ currencies. Stripe's product suite (Billing, Connect, Terminal, Atlas, Radar, Tax) is available globally. For India-focused businesses, Razorpay offers deeper local integration. UPI support is more mature, Indian banking partnerships are stronger, and features like auto-debit mandates comply with RBI regulations natively. RazorpayX adds current accounts, vendor payouts, and tax payments - business banking that Stripe does not offer in India. For businesses with international ambitions, Stripe's global infrastructure provides a single platform across markets. Indian payments work alongside US, European, and Asian transactions without separate providers. Stripe's subscription billing, marketplace payments, and financial products serve complex business models. For India-only businesses, Razorpay's local ecosystem is the stronger choice. For Indian businesses planning international expansion, Stripe provides the global platform from day one.
Frequently Asked Questions: Razorpay vs Stripe
Which is cheaper, Razorpay or Stripe?
How many pricing plans does Razorpay have vs Stripe?
Does Razorpay or Stripe offer a free plan?
Can I save money by paying annually for Razorpay or Stripe?
Does Razorpay or Stripe offer custom enterprise pricing?
How do Razorpay and Stripe compare for Payment & Billing?
Sources
- Razorpay Official Pricing- Vendor pricing page
- Stripe Official Pricing- Vendor pricing page
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