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Razorpay

Payment Systems

Razorpay is India's leading payment gateway and financial services platform founded in 2014. The platform provides payment processing services for businesses including UPI, credit/debit cards, net banking, wallets, and EMI options. Razorpay is particularly noted for its developer-friendly API, instant settlements, and comprehensive payment solutions. The platform serves over 500,000 businesses in India and is regulated by the Reserve Bank of India (RBI). Razorpay also offers Neo-banking services through RazorpayX.

Data status: partially verifiedLast verified: 2026-08-03Provider website

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Catalog tags

Indian Businesses E-commerce Startups
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Risk Warning

Trading financial instruments involves significant risk and can result in the loss of your invested capital. You should not invest more than you can afford to lose and should ensure that you fully understand the risks involved. Leverage trading can amplify both profits and losses. Past performance is not indicative of future results. Before trading, please consider your level of experience, investment objectives, and seek independent financial advice if necessary.

Key Features

UPI Integration
Instant Settlements
Developer API
Neo-banking
EMI Options
Multiple Payment Modes
RBI Regulated

Listed highlights

  • Best for Indian businesses
  • UPI integration
  • Instant settlements
  • Developer-friendly API
  • RBI regulated

Listed considerations

  • • India-focused only
  • • Not for personal use
  • • Fees can add up
  • • Limited to businesses

Quick Comparison

FeatureRazorpayPaytmPhonePeNetellerPayPal
RatingNot availableNot availableNot availableNot availableNot available
PricingPayment-method and business-plan dependentProduct and transaction dependentProduct and transaction dependentMethod- and country-dependentTransaction and product dependent
Founded20142010201619991998
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Frequently Asked Questions

Is Razorpay regulated in India?
Yes, Razorpay is regulated by the Reserve Bank of India (RBI) as a Payment Aggregator. This ensures compliance with Indian financial regulations.
Does Razorpay support UPI?
Yes, Razorpay has excellent UPI integration and is one of the leading payment gateways for UPI transactions in India.
Is Razorpay for personal use?
No, Razorpay is designed for businesses only. If you need personal payment services, consider alternatives like Paytm or PhonePe.
Pricing
Razorpay publishes current platform and payment-method pricing. Standard examples may differ by method, card origin, GST, negotiated terms and product; verify the applicable schedule before relying on a fee estimate.
Min Deposit
$0
Founded
2014
Mobile App
No
Demo Account
No
Withdrawal
Instant to 2 days
Support
Email, Chat, Phone
Regulation
RBI

Licence number and legal-entity verification: not recorded. Check the regulator directly.

Platforms
WebAPI
Deposit Methods
Via Business Bank Account