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Head-to-Head Specification Audit
Razorpay vs Flutterwave
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Flutterwave |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | India | Africa |
| Category | Payment Processing | Payment Processing |
| Compliance | PCI-DSS, RBI Compliance | NDPA, CBN Licensed, PCI-DSS |
| Hosting Regions | IN-Mumbai, IN-Bangalore | NG-Lagos, KE-Nairobi, GH-Accra, ZA-Cape-Town, US-East |
| Native Integrations | 6 listedBetter | 5 listed |
Razorpay — Key Specs
- ✓#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
Flutterwave — Key Specs
- ✓Pan-African payments — 34 African countries, 150+ currencies
- ✓Barter (consumer app) + Business API in one platform
- ✓Send app enables diaspora remittances from US/UK/EU to Africa
- ✓$3B+ in funding — largest African fintech by valuation
Frequently Asked Questions
What is cheaper, Razorpay or Flutterwave?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Razorpay or Flutterwave?+
Both support PCI-DSS. Razorpay additionally supports RBI Compliance. Flutterwave additionally supports NDPA, CBN Licensed.
Which has a higher API rate limit — Razorpay or Flutterwave?+
Razorpay has a higher API rate limit at 300 requests per minute. Razorpay: 300 req/min. Flutterwave: 200 req/min.
Which tool is better suited for India?+
Razorpay is evaluated for Indian SMBs & Startups in India with hosting regions: IN-Mumbai, IN-Bangalore. Flutterwave has hosting regions: NG-Lagos, KE-Nairobi, GH-Accra, ZA-Cape-Town, US-East. For data residency in India, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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