Head-to-Head Specification Audit
Stripe vs Razorpay
Online Payment Processing · Global
Specification Matrix
| Metric | Stripe | Razorpay |
|---|---|---|
| Starting Price | Custom pricing | $0/mo |
| API Rate Limit | 1000 req/minBetter | 300 req/min |
| Target Country | Global | India |
| Category | Payments Platform | Payment Processing |
| Compliance (vendor-stated) | PCI-DSS, SOC2, GDPR, CCPA, ISO27001 | PCI-DSS, RBI Compliance |
| Hosting Regions | US-East, EU-West, AP-Southeast, US-West | IN-Mumbai, IN-Bangalore |
| Native Integrations | 6 listedTie | 6 listedTie |
Stripe — Key Specs
Vendor-stated- ✓Best-in-class developer experience — instant API access
- ✓Radar AI fraud detection included — no additional cost
- ✓Treasury, issuing, and banking infrastructure products
- ✓SOC 2, PCI DSS Level 1, GDPR, CCPA compliant
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
Frequently Asked Questions
Which is lower-priced, Stripe or Razorpay?+
Stripe uses custom pricing. Razorpay starts at Free plan available. Contact Stripe directly for a quote.
Which compliance frameworks do Stripe and Razorpay list?+
Both list PCI-DSS in their vendor documentation. Stripe additionally lists SOC2, GDPR, CCPA, ISO27001. Razorpay additionally lists RBI Compliance. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Stripe or Razorpay?+
Stripe has a higher documented API rate limit at 1000 req/min versus Razorpay at 300 req/min.
Which data hosting regions do Stripe and Razorpay support?+
Stripe lists hosting regions: US-East, EU-West, AP-Southeast, US-West. Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. For data residency requirements in Global, 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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