Head-to-Head Specification Audit
Razorpay vs Paystack
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Paystack |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/minTie | 300 req/minTie |
| Target Country | India | Nigeria |
| Category | Payment Processing | Payment Processing |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | NDPA, CBN Licensed, PCI-DSS |
| Hosting Regions | IN-Mumbai, IN-Bangalore | NG-Lagos, GH-Accra, ZA-Johannesburg |
| Native Integrations | 6 listedBetter | 5 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
Paystack — Key Specs
Vendor-stated- ✓Acquired by Stripe — a widely-used payment API serving African markets
- ✓Supports Nigerian bank transfers, USSD, Visa/Mastercard, and mobile money
- ✓Instant settlement to Nigerian bank accounts
- ✓Now available in Ghana, South Africa, Kenya, Ivory Coast
Frequently Asked Questions
Which is lower-priced, Razorpay or Paystack?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Razorpay and Paystack list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Paystack additionally lists NDPA, CBN Licensed. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Paystack?+
Both Razorpay and Paystack have the same documented API rate limit of 300 requests per minute. Verify current limits on each vendor's developer documentation.
Which data hosting regions do Razorpay and Paystack support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Paystack lists hosting regions: NG-Lagos, GH-Accra, ZA-Johannesburg. 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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