Head-to-Head Specification Audit
Razorpay vs Stitch
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Stitch |
|---|---|---|
| Starting Price | $0/mo | Custom pricing |
| API Rate Limit | 300 req/min | 500 req/minBetter |
| Target Country | India | South Africa |
| Category | Payment Processing | Banking API / Open Banking |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | POPIA, PCI-DSS, FSCA-compliant |
| Hosting Regions | IN-Mumbai, IN-Bangalore | ZA |
| Native Integrations | 6 listedBetter | 3 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
Stitch — Key Specs
Vendor-stated- ✓Open banking API built for South Africa
- ✓Bank-to-bank instant payments
- ✓Account verification in 2 seconds
- ✓POPIA-compliant data handling
- ✓Compliance pre-built for SA financial regulation
Frequently Asked Questions
Which is lower-priced, Razorpay or Stitch?+
Stitch uses custom pricing. Razorpay starts at Free plan available. Contact Stitch directly for a quote.
Which compliance frameworks do Razorpay and Stitch list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Stitch additionally lists POPIA, FSCA-compliant. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Razorpay or Stitch list POPIA as a supported compliance framework?+
Stitch 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 Stitch?+
Stitch has a higher documented API rate limit at 500 req/min versus Razorpay at 300 req/min.
Which data hosting regions do Razorpay and Stitch support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Stitch lists hosting regions: ZA. For data residency requirements in India, confirm exact region configuration directly with each vendor.
Data last updated: 1 October 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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