Head-to-Head Specification Audit
Luno vs Razorpay
Businesses Accepting Crypto Payments · South Africa
Specification Matrix
| Metric | Luno | Razorpay |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 100 req/min | 300 req/minBetter |
| Target Country | South Africa | India |
| Category | Cryptocurrency Exchange | Payment Processing |
| Compliance (vendor-stated) | FSCA, FICA, POPIA | PCI-DSS, RBI Compliance |
| Hosting Regions | ZA, EU | IN-Mumbai, IN-Bangalore |
| Native Integrations | 2 listed | 6 listedBetter |
Luno — Key Specs
Vendor-stated- ✓FSCA-registered in South Africa
- ✓ZAR on/off ramp
- ✓API for business accounts
- ✓Supports BTC ETH XRP USDC
- ✓Trusted by 10M+ users in SA
Razorpay — Key Specs
Vendor-stated- ✓#1 payment gateway in India — 8M+ businesses use it
- ✓Supports UPI, NetBanking, Wallets, Cards, and EMI out of the box
- ✓Razorpay Capital offers working capital loans based on transaction history
- ✓RazorpayX business banking with INR-denominated accounts
Frequently Asked Questions
Which is lower-priced, Luno or Razorpay?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Luno and Razorpay list?+
Luno additionally lists FSCA, FICA, POPIA. Razorpay additionally lists PCI-DSS, RBI Compliance. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Luno or Razorpay list POPIA as a supported compliance framework?+
Luno lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Razorpay does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Luno or Razorpay?+
Razorpay has a higher documented API rate limit at 300 req/min versus Luno at 100 req/min.
Which data hosting regions do Luno and Razorpay support?+
Luno lists hosting regions: ZA, EU. Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. For data residency requirements in South Africa, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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