Stripe vs Razorpay pricing
Both are in payments apis. Stripe is billed per transaction (2.9% + $0.30); Razorpay is billed per transaction (~2% + gst). Numbers below are copied from each vendor's pricing page.
StripeFree tier or trial
- Free tier
- Unlimited test-mode sandbox (no CC); pay-per-transaction live
- Billed
- Per transaction (2.9% + $0.30)
- Best for
- Developer-first payments platform
- Verified
- Jun 27, 2026
RazorpayFree tier or trial
- Free tier
- Free test mode + no monthly fee; ~2% per transaction live
- Billed
- Per transaction (~2% + GST)
- Best for
- India-first developer payments suite
- Verified
- Jun 27, 2026
Stripe plans
| Plan | Price | What it covers |
|---|---|---|
| Standard (pay-as-you-go, US online) | 2.9% + 30¢ | Per successful online card charge; no setup or monthly fees. |
| In-person (Terminal, US) | 2.7% + 5¢ | Per successful in-person card payment. |
| Manually-keyed cards (US) | 3.4% + 30¢ | Per successful keyed-in card transaction. |
| ACH direct debit (US) | 0.8% (capped at $5) | Per ACH payment; disputes billed at $15 each. |
| Billing (subscriptions) | 0.7% of billing volume | Pay-as-you-go add-on; Tax add-on is 0.5% per transaction. |
| Custom / Enterprise | Contact sales | Interchange-plus (IC+) pricing, volume discounts, and multi-product discounts for large businesses. |
- Flat 2.9% + 30¢ rate is expensive for low-ticket and high-volume merchants vs. negotiated interchange-plus
- Costs stack quickly: +1.5% international cards, +1% currency conversion, $15 disputes, plus add-on product fees (Billing 0.7%, Tax 0.5%)
- Support is slow and generic for businesses without a dedicated account team, especially on chargebacks
Source: https://stripe.com/pricing
Razorpay plans
| Plan | Price | What it covers |
|---|---|---|
| Standard (domestic) | 2% per transaction | Flat 2% + 18% GST on most domestic methods (cards, UPI, netbanking, wallets); charged only on successful transactions, no setup fee or AMC. |
| International Cards | Up to 3% per transaction | Cross-border card payments from overseas customers, plus 18% GST. |
| International Bank Transfers | 1% per transaction | SWIFT/ACH/SEPA/Faster Payments inbound transfers with zero forex markup. |
| UPI QR Codes | 0.99% per transaction | Discounted rate for UPI QR-code collections. |
| Subscriptions | ~0.9-1% add-on | Recurring-billing subscription fee layered on top of the base gateway fee per transaction. |
| Enterprise | Custom | Negotiated pricing for businesses processing above Rs. 5,00,000/month GMV. |
- Transaction fees viewed as slightly higher than competitors like Cashfree and PayU
- Standard settlement is T+2 (domestic) / T+7 (international); instant settlement costs extra
Source: https://razorpay.com/pricing/