Razorpay

Best for: AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You want to try it free before paying; You have strict compliance requirements

Pricing model

Usage-based [2]razorpay.com/pricing/“2% per successful transaction... No setup fees, annual maintenance charges, or refund fees”razorpay.com/blog/razorpay-payment-gateway-pricing-explained/“Zero upfront costs: No setup fees, no Annual Maintenance Charges (AMC), no mandatory minimums”

Published pricing

✓ Yes [3]razorpay.com/pricing/“2% per successful transaction (all domestic instruments)... Up to 3% per successful transaction [international cards]... No setup fees, annual maintenance charges, or refund fees”razorpay.com/us/pricing/“Credit & Debit Cards: 2.70% + $0.30 per transaction”

Free tier

✗ No [4]razorpay.com/pricing/“2% per successful transaction... No setup fees, annual maintenance charges, or refund fees”

Self-serve signup

✓ Yes [5]razorpay.com/docs/payments/sign-up/“Users can independently sign up at razorpay.com, complete basic details, business information, and KYC submission without mandatory assistance.”

Requires sales call

✗ No

Enterprise plan

✓ Yes [6]razorpay.com/pricing/“Custom pricing is available for businesses processing over Rs. 5,00,000 per month.”razorpay.com/us/pricing/“Enterprise Plan: Available for businesses exceeding $10M in annual transaction volume.”

• Hosted checkout
• In-person / POS
• Local payment methods
• Recurring payments
• Marketplace payouts
• Built-in fraud tools

Supported actions

create_order, capture_payment, fetch_payment, update_payment, create_refund, instant_refund, dispute_management, hosted_checkout, custom_checkout, payment_links, payment_pages, payment_buttons, qr_code_payments, tokenization, card_tokenization_token_hq, 3ds_authentication, 3ds2_international_cards, recurring_payments, subscriptions, upi_autopay, emandate, split_payments_route, payouts, virtual_accounts_smart_collect, settlements, instant_settlements, webhooks, fraud_screening_shield, chargeback_shield, in_person_terminal, apple_pay, google_pay, multicurrency, international_bank_transfer [7]razorpay.com/docs/payments/route/“Razorpay Route enables businesses to split payments and transfer funds to multiple Linked Accounts.”razorpay.com/docs/api/payments/“Payments API only retrieves payment details or changes status from authorized to captured. Related features like refunds, disputes, subscriptions, and tokenization are documented separately.”

Regions

India, United States, international (160+ currencies accepted for Indian businesses) [8]razorpay.com/us/“Razorpay USA - Best Payment Solution for Online Payments & Businesses”razorpay.com/docs/payments/international-payments/“facilitates payments in more than 160+ foreign currencies”

Input types

Visa, Mastercard, RuPay, Amex, Diners, credit cards, debit cards, UPI, Google Pay, Apple Pay, net banking, wallets (JioMoney, MobiKwik, Airtel Money, FreeCharge, Ola Money, PayZapp), EMI, Pay Later, Sodexo, NEFT, RTGS, IMPS, SWIFT, ACH, SEPA, BACS, PayPal, Cash on Delivery, QR codes

Output types

JSON, webhook events, hosted checkout page, payment link, payment page, QR code, settlement report, invoice, subscription plan

Webhooks

✓ Yes [9]razorpay.com/docs/webhooks/“You can set up webhooks from your Dashboard and configure separate URLs for Live mode and Test mode.”

Sandbox / test mode

✓ Yes [10]razorpay.com/docs/payments/sign-up/“After account creation, users can access the Test mode on the Dashboard to test and experience the products offered by Razorpay.”

SDK languages

Node.js, Python, Java, PHP, Ruby, Go, .NET [11]razorpay.com/docs/payments/server-integration/“By using Razorpay Payment Gateway, you can integrate your server using the below listed languages: .NET, Java, Node.js, PHP, Python, Ruby, Go”

MCP server

✓ Yes [12]razorpay.com/docs/mcp-server/“The Razorpay MCP Server implements the Model Context Protocol to connect Razorpay payment APIs with AI tools... 35+ tools covering payment management, order operations, Payment Links, refunds, QR Codes, settlements, payouts”

SOC 2

Unknown [13]razorpay.com/docs/security/shared-responsibility-model/“Our security and compliance programme ensures that we are always compliant against PCI-DSS, ISO 27001 and SOC 2 global compliance standards.”razorpay.com/newsroom/razorpay-becomes-the-first-indian-fintech-to-receive-the-coveted-data-security-and-compliance-certification-system-and-organisation-control-3/“Razorpay becomes the first fintech company in India to have achieved this compliance milestone [SOC 3 certification, November 30, 2023].”

HIPAA

– Unknown

GDPR

✓ Yes [14]razorpay.com/us/“100% PCI DSS, GDPR compliant and ISO 27001 certified solution”

ISO 27001

✓ Yes [15]razorpay.com/docs/security/shared-responsibility-model/“Our security and compliance programme ensures that we are always compliant against PCI-DSS, ISO 27001 and SOC 2 global compliance standards.”razorpay.com/us/“100% PCI DSS, GDPR compliant and ISO 27001 certified solution”

PCI DSS

✓ Yes [16]razorpay.com/blog/payment-gateway-compliance/“Razorpay operates as a fully RBI-authorised Payment Aggregator and holds PCI DSS Level 1 certification – the highest compliance tier in the industry.”razorpay.com/us/“100% PCI DSS, GDPR compliant and ISO 27001 certified solution”razorpay.com/docs/security/shared-responsibility-model/“Our security and compliance programme ensures that we are always compliant against PCI-DSS, ISO 27001 and SOC 2 global compliance standards.”

Published SLA

✗ No [17]razorpay.com/blog/payment-gateway-uptime-slas/“Together, these give merchants the building blocks for a multi-rail, multi-aggregator checkout architecture rather than relying on a single SLA tier as the only line of defence.”

Rate limits

"Razorpay uses a request Rate Limiter to limit the number of requests received by the API within a time frame." Specific numeric thresholds are not published; HTTP 429 responses are used to signal limit breaches. [18]razorpay.com/docs/api/pagination/“Razorpay uses a request Rate Limiter to limit the number of requests received by the API within a time frame.”

Known restrictions

PCI DSS Level 1 certified (highest tier), Primarily serves India-based businesses; US product is a separate offering, RBI-authorised Payment Aggregator (India), Custom pricing available for businesses processing over Rs. 5,00,000/month, Enterprise plan (US) requires contacting sales for businesses exceeding $10M annual volume, Chargeback Shield covers international payments only, Apple Pay not supported in test/sandbox mode, UPI Collect flows deprecated as of February 28, 2026, MCP server is in Beta, Server-to-server (S2S) checkout requires merchant to be PCI DSS certified and share annual AOC, Smart Collect fee capped at Rs. 10 per transaction [19]razorpay.com/pricing/“1% or Rs. 10 per transaction (whichever is lower)”razorpay.com/blog/payment-gateway-compliance/“Razorpay operates as a fully RBI-authorised Payment Aggregator and holds PCI DSS Level 1 certification – the highest compliance tier in the industry.”

• Docs
• API reference
• OpenAPI spec
• llms.txt
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.razorpay.com/v1

Version

v1

Versioning

url

Stability

ga

Auth methods

api_key, oauth2

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

SDKs

• Node.js razorpay · repo
• Python razorpay · repo
• Java com.razorpay:razorpay-java · repo
• PHP razorpay/razorpay · repo
• Ruby razorpay · repo
• Go github.com/razorpay/razorpay-go · repo
• .NET Razorpay · repo

• Auth docs
• Quickstart
• MCP server
• Webhook events

Launched

2014-01-01

Notable customers

Zerodha, makeMYtrip, Zoomcar, Licious, FreshToHome, Quikr, PaisaBazaar, Akbar Travels, AstroTalk, RentoMojo

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Square Payments

  "Square Payments Built for however you do business" - Square Payments is a comprehensive payment processing solution for in-person, online, and mobile transactions.

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Trolley

  "The Payouts Platform for the Internet Economy"

  Hybrid · public pricing · self-serve

• Authorize.net

  "We help make it easy to get paid. It's that simple."

  Hybrid · public pricing · self-serve

Razorpay alternatives · Razorpay vs PayPal Payments · All Online Card Payment APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: razorpay.com · razorpay.com
2. ↑Pricing model: razorpay.com · razorpay.com
3. ↑Published pricing: razorpay.com · razorpay.com
4. ↑Free tier: razorpay.com
5. ↑Self-serve signup: razorpay.com
6. ↑Enterprise plan: razorpay.com · razorpay.com
7. ↑Supported actions: razorpay.com · razorpay.com
8. ↑Regions: razorpay.com · razorpay.com
9. ↑Webhooks: razorpay.com
10. ↑Sandbox: razorpay.com
11. ↑SDK languages: razorpay.com
12. ↑MCP server: razorpay.com
13. ↑SOC 2: razorpay.com · razorpay.com
14. ↑GDPR: razorpay.com
15. ↑ISO 27001: razorpay.com · razorpay.com
16. ↑PCI DSS: razorpay.com · razorpay.com · razorpay.com
17. ↑Published SLA: razorpay.com
18. ↑Rate limits: razorpay.com
19. ↑Known restrictions: razorpay.com · razorpay.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"payouts":true,"in_person":true,"recurring":true,"fraud_tools":true,"local_met…
2. 2026-06-21 Summary Md: (none) → Razorpay is a payment platform founded in 2014 and primarily aimed at India-bas…
3. 2026-06-21 Score Agent Friendliness: (none) → 70
4. 2026-06-21 Score Pricing Transparency: (none) → 60
5. 2026-06-21 Score Setup Speed: (none) → 75
6. 2026-06-21 Score Docs Quality: (none) → 65
7. 2026-06-21 Score Procurement Friction: (none) → 75
8. 2026-06-21 Score Trust Readiness: (none) → 40
9. 2026-06-21 Best For: (none) → AI agents and automation - an agent-ready surface (MCP / llms.txt), Teams needi…
10. 2026-06-21 Avoid If: (none) → You want to try it free before paying, You have strict compliance requirements
11. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
12. 2026-06-21 Llms Txt URL: (none) → https://razorpay.com/llms.txt
13. 2026-06-21 Has Structured Data: (none) → No
14. 2026-06-21 Robots Allows Agents: (none) → No
15. 2026-06-21 Openapi Spec URL: (none) → https://razorpay.com/openapi.json
16. 2026-06-21 API Reference URL: (none) → https://razorpay.com/docs/api/
17. 2026-06-21 Status Page URL: (none) → https://status.razorpay.com
18. 2026-06-21 Docs URL: (none) → https://razorpay.com/docs/
19. 2026-06-21 Rendering: (none) → static
20. 2026-06-21 Llms Txt Present: (none) → Yes
21. 2026-06-21 Has Published Pricing: set to Yes
22. 2026-06-21 Free Tier Available: set to No
23. 2026-06-21 Self Serve Signup: set to Yes
24. 2026-06-21 Requires Sales Call: set to No
25. 2026-06-21 Enterprise Plan Available: set to Yes
26. 2026-06-21 SOC 2: set to unknown
27. 2026-06-21 GDPR: set to Yes
28. 2026-06-21 ISO 27001: set to Yes
29. 2026-06-21 PCI DSS: set to Yes
30. 2026-06-21 SLA Published: set to No
31. 2026-06-21 Data Retention Policy URL: set to https://razorpay.com/privacy-policy/
32. 2026-06-21 Documented Rate Limits: set to "Razorpay uses a request Rate Limiter to limit the number of requests received …
33. 2026-06-21 Known Restrictions: set to PCI DSS Level 1 certified (highest tier), Primarily serves India-based business…
34. 2026-06-21 Auth Methods: set to api_key, oauth2
35. 2026-06-21 Auth Docs URL: set to https://razorpay.com/docs/api/authentication/
36. 2026-06-21 API Style: set to rest
37. 2026-06-21 Base URL: set to https://api.razorpay.com/v1
38. 2026-06-21 API Version: set to v1
39. 2026-06-21 Versioning Scheme: set to url
40. 2026-06-21 Stability: set to ga
41. 2026-06-21 Error Format: set to vendor-specific
42. 2026-06-21 Webhook Signing: set to hmac_sha256
43. 2026-06-21 Webhook Events URL: set to https://razorpay.com/docs/webhooks/all/
44. 2026-06-21 Requires Verification: set to Yes
45. 2026-06-21 Price Basis: set to transaction + percent
46. 2026-06-21 Slug: set to razorpay
47. 2026-06-21 Notable Customers: set to Zerodha, makeMYtrip, Zoomcar, Licious, FreshToHome, Quikr, PaisaBazaar, Akbar T…
48. 2026-06-21 Fields Not Found: set to soc2_type_specific, hipaa, exact_numeric_api_rate_limits, sla_published_percent…
49. 2026-06-21 Source Confidence: set to high
50. 2026-06-21 Extractor: set to claude-subagent:sonnet

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/razorpay \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/razorpay/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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