Head-to-Head Specification Audit
Razorpay vs Stripe
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Stripe |
|---|---|---|
| Starting Price | $0/mo | Custom pricing |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | India | South Africa |
| Category | Payment Processing | Payment Processing API |
| Compliance (vendor-stated) | 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
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
Stripe — Key Specs
Vendor-stated- ✓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
Which is lower-priced, Razorpay or Stripe?+
Stripe uses custom pricing. Razorpay starts at Free plan available. Contact Stripe directly for a quote.
Which compliance frameworks do Razorpay and Stripe list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Stripe additionally lists GDPR, CCPA, SOC2. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Stripe?+
Razorpay has a higher documented API rate limit at 300 req/min versus Stripe at 100 req/min.
Which data hosting regions do Razorpay and Stripe support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Stripe lists hosting regions: US, EU. 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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