Head-to-Head Specification Audit
Razorpay vs Zoho One
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Zoho One |
|---|---|---|
| Starting Price | $0/moBetter | $37/mo |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | India | India |
| Category | Payment Processing | Business Suite |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | GDPR, SOC2, ISO27001 |
| Hosting Regions | IN-Mumbai, IN-Bangalore | IN-Chennai, US-East, EU-West, AU-East, JP-Tokyo |
| Native Integrations | 6 listedTie | 6 listedTie |
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
Zoho One — Key Specs
Vendor-stated- ✓50+ integrated business apps in one subscription — CRM, HR, Finance, Marketing
- ✓Data stored in India data centres — fully PDPB-ready
- ✓Significantly cheaper than buying US equivalents separately
- ✓Zoho CRM used by 250,000+ businesses globally
Frequently Asked Questions
Which is lower-priced, Razorpay or Zoho One?+
Razorpay starts at Free plan available, which is lower than Zoho One at $37/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Razorpay and Zoho One list?+
Razorpay additionally lists PCI-DSS, RBI Compliance. Zoho One additionally lists GDPR, SOC2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Zoho One?+
Razorpay has a higher documented API rate limit at 300 req/min versus Zoho One at 100 req/min.
Which data hosting regions do Razorpay and Zoho One support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Zoho One lists hosting regions: IN-Chennai, US-East, EU-West, AU-East, JP-Tokyo. 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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