Razorpay vs Wise Business: Pricing Comparison 2026
Side-by-side pricing comparison of Razorpay and Wise Business. See all plans, features, and costs at a glance.
Bottom line: Wise Business starts at $0.33/mo, making it $2499/mo cheaper than Razorpay ($2499/mo). Razorpay offers a free plan.
Last updated: March 16, 2026
Razorpay vs Wise Business: Quick Pricing Facts
| Feature | Razorpay | Wise Business |
|---|---|---|
| Starting Price | $2499/mo | $0.33/mo |
| Number of Plans | 3 | 5 |
| Free Tier | Yes | Yes |
| Pricing Model | usage-based | usage-based |
| Annual Discount | N/A | N/A |
Wise Business is the more affordable option, starting at $0.33/mo compared to Razorpay's $2499/mo. Both are Payment & Billing tools with 8 combined pricing plans and 25 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 it free |  Wise Business Try it free |
|---|---|---|
| Tier 1 | Free $0/monthCheapest Includes
| Register for a Wise account $0/monthCheapest Includes
|
| Tier 2 | Business Banking+ $2499/month $2499 / year Includes
| Sending money $0/monthCheapest Includes
|
| Tier 3 | Enterprise Custom pricing Includes
| Withdrawing 200 GBP per month per account $0/monthCheapest Includes
|
| Tier 4 | — | Holding money in your account $0/monthCheapest Includes
|
| Tier 5 | — | Getting account details to receive in 24 currencies $0/monthCheapest Includes
|
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Wise Business
Wise Business offers a free plan, starts at $2498.67/mo lower ($0.33/mo vs $2499/mo), offers 5 tiers vs 3.
Based on pricing data only. Review the full comparison below for your specific needs.
Best value: Wise Business
Try Wise Business freeWhich Should You Choose?
Choose Razorpay if:
- •You prefer Razorpay's free tier features—Accept payments at 2% platform fee, Access to intelligent checkout experience
- •Your team needs custom enterprise pricing—Razorpay offers negotiated terms for large deployments
- •You want Razorpay's approach to incremental feature unlocking across its 3 pricing tiers
Choose Wise Business if:
- •You want lower per-user costs—Wise Business starts at $0.33/mo, saving $2498.67/mo compared to Razorpay at $2499/mo
- •You prefer Wise Business's free tier features—Register for a Wise account Free
- •You need 5 pricing tiers for flexible team sizing—more options mean less overpaying for features you don't need
- •You want more features built-in—Wise Business offers 9 additional features across its plans
Both Razorpay and Wise Business 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: Razorpay includes 2 features, while Wise Business includes 1 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: Razorpay vs Wise Business
Which is cheaper, Razorpay or Wise Business?
How many pricing plans does Razorpay have vs Wise Business?
Does Razorpay or Wise Business offer a free plan?
Can I save money by paying annually for Razorpay or Wise Business?
Does Razorpay or Wise Business offer custom enterprise pricing?
How do Razorpay and Wise Business compare for Payment & Billing?
Sources
- Razorpay Official Pricing— Vendor pricing page
- Wise Business Official Pricing— Vendor pricing page
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