Head-to-Head Specification Audit
Razorpay vs Osano
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Osano |
|---|---|---|
| Starting Price | $0/moBetter | $49/mo |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | India | South Africa |
| Category | Payment Processing | Privacy & Compliance |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | POPIA, GDPR, CCPA |
| Hosting Regions | IN-Mumbai, IN-Bangalore | US |
| Native Integrations | 6 listedBetter | 4 listed |
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
Osano — Key Specs
Vendor-stated- ✓Easiest POPIA consent banner setup
- ✓Cookie compliance in 5 minutes
- ✓Cheaper than OneTrust for SMEs
- ✓Vendor risk scoring built-in
Frequently Asked Questions
Which is lower-priced, Razorpay or Osano?+
Razorpay starts at Free plan available, which is lower than Osano at $49/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Razorpay and Osano list?+
Razorpay additionally lists PCI-DSS, RBI Compliance. Osano additionally lists POPIA, GDPR, CCPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Razorpay or Osano list POPIA as a supported compliance framework?+
Osano 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 — Razorpay or Osano?+
Razorpay has a higher documented API rate limit at 300 req/min versus Osano at 100 req/min.
Which data hosting regions do Razorpay and Osano support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Osano lists hosting regions: US. 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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