Head-to-Head Specification Audit
Razorpay vs Adyen
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Adyen |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/min | 500 req/minBetter |
| Target Country | India | Global |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 |
| Hosting Regions | IN-Mumbai, IN-Bangalore | EU-West, US-East, AP-Southeast, EU-Central |
| Native Integrations | 6 listedTie | 6 listedTie |
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
Adyen — Key Specs
Vendor-stated- ✓Single acquiring platform for 200+ payment methods globally
- ✓Issuing: virtual/physical cards for expense management
- ✓PSD2 SCA built-in with AI-powered SCA exemption engine
- ✓EU data residency, GDPR DPA, PCI DSS Level 1
Frequently Asked Questions
Which is lower-priced, Razorpay or Adyen?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Razorpay and Adyen list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Adyen additionally lists SOC2, GDPR, PSD2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Adyen?+
Adyen has a higher documented API rate limit at 500 req/min versus Razorpay at 300 req/min.
Which data hosting regions do Razorpay and Adyen support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. For data residency requirements in India, 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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