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Head-to-Head Specification Audit
Razorpay vs Stripe
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Stripe |
|---|---|---|
| Starting Price | Custom | Custom |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | India | South Africa |
| 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 listed | 7 listedBetter |
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
Stripe — Key Specs
- ✓Industry-leading API documentation — fastest developer onboarding in payments
- ✓Stripe Billing handles complex subscription logic including proration and trials
- ✓Webhook delivery with automatic exponential backoff retry — 72-hour retry window
- ✓Stripe Radar machine learning fraud detection included on all plans at no extra cost
Frequently Asked Questions
What is cheaper, Razorpay or Stripe?+
Pricing varies by plan. Check each vendor's pricing page for current rates.
Which tool is better for compliance — Razorpay or Stripe?+
Both support PCI-DSS. Razorpay additionally supports RBI Compliance. Stripe additionally supports GDPR, CCPA, SOC2.
Which has a higher API rate limit — Razorpay or Stripe?+
Razorpay has a higher API rate limit at 300 requests per minute. Razorpay: 300 req/min. Stripe: 100 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. Stripe 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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