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Head-to-Head Specification Audit
Razorpay vs Paddle
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Paddle |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 300 req/min | N/A |
| Target Country | India | Global |
| Category | Payment Processing | Payment Processing API |
| Compliance | PCI-DSS, RBI Compliance | GDPR, CCPA, PCI-DSS, SOC2 |
| Hosting Regions | IN-Mumbai, IN-Bangalore | US, EU |
| Native Integrations | 6 listedBetter | 6 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
Paddle — Key Specs
- ✓Merchant of Record — Paddle handles VAT, GST, and sales tax in 200+ countries
- ✓Subscription billing with trials, proration, and pausing built-in — no Stripe Tax add-on
- ✓Available for ZA-registered businesses — no US entity required unlike Stripe
- ✓Built-in churn recovery: failed payment retry logic with smart dunning sequences
Frequently Asked Questions
What is cheaper, Razorpay or Paddle?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Razorpay or Paddle?+
Both support PCI-DSS. Razorpay additionally supports RBI Compliance. Paddle additionally supports GDPR, CCPA, SOC2.
Which tool is better suited for India?+
Razorpay is evaluated for Indian SMBs & Startups in India with hosting regions: IN-Mumbai, IN-Bangalore. Paddle has hosting regions: US, EU. For data residency in India, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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