Head-to-Head Specification Audit
Razorpay vs TRM Labs
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | TRM Labs |
|---|---|---|
| Starting Price | $0/mo | Custom pricing |
| API Rate Limit | 300 req/minBetter | 120 req/min |
| Target Country | India | Global |
| Category | Payment Processing | Crypto Compliance |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | FATF Travel Rule, OFAC, BSA, EU AMLD, MAS, AUSTRAC |
| Hosting Regions | IN-Mumbai, IN-Bangalore | US-East, EU-West |
| 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
TRM Labs — Key Specs
Vendor-stated- ✓Blockchain intelligence covering 30+ chains including Bitcoin, Ethereum, Tron
- ✓Transaction monitoring with OFAC, UN, EU sanctions screening
- ✓Used by US DOJ, FBI, IRS-CI for crypto investigations
- ✓Risk scoring for crypto addresses and wallets in real-time
- ✓FATF Travel Rule compliance module integrated
Frequently Asked Questions
Which is lower-priced, Razorpay or TRM Labs?+
TRM Labs uses custom pricing. Razorpay starts at Free plan available. Contact TRM Labs directly for a quote.
Which compliance frameworks do Razorpay and TRM Labs list?+
Razorpay additionally lists PCI-DSS, RBI Compliance. TRM Labs additionally lists FATF Travel Rule, OFAC, BSA, EU AMLD, MAS, AUSTRAC. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or TRM Labs?+
Razorpay has a higher documented API rate limit at 300 req/min versus TRM Labs at 120 req/min.
Which data hosting regions do Razorpay and TRM Labs support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. TRM Labs lists hosting regions: US-East, EU-West. 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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