Razorpay: verified facts and rating
Checked 2026-11-01
Score breakdown
72% backed by facts · How we rank
Razorpay against the market
The dot is the company, the line is the median of all companies in this ranking.
Online card fee1.8%3.5%2% · median 2.9%
Fixed fee per payment$0.00$0.49$0.00 · median $0.29
Payout to your bank1 days3 days2 days · median 2 days
Razorpay strengths and weaknesses
Pros
- Regulator licence with a number on the official site
- Low fixed fee per payment
- Pay per transaction, with no monthly fee
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Online card fee | 2% Standard plan 2% (+ GST) for domestic cards; no fixed fee listed | razorpay.com | 2026-11-01 |
| Fixed fee per payment | $0.00 2% + GST, percentage only | razorpay.com | 2026-11-01 |
| Fee shown for the market | India | razorpay.com | 2026-11-01 |
| No monthly fee | Yes No setup fees, annual maintenance charges, or hidden costs | razorpay.com | 2026-11-01 |
| Chargeback fee | Not verified | — | |
| Licensed by a financial regulator | Yes Payment aggregation services provided by Razorpay Payments Private Limited, An RBI Authorised Payment Aggregator | razorpay.com | 2026-11-01 |
| Licence | RBI (Reserve Bank of India), authorised payment aggregator — Razorpay Payments Private Limited | razorpay.com | 2026-11-01 |
| PCI DSS service provider | Not verified | — | |
| Founded | Not verified | — | |
| Payout to your bank | 2 days The standard settlement cycle for domestic payments is T+2 working days | razorpay.com | 2026-11-01 |
| Countries for businesses | Not verified | — | |
| Merchant of record (handles sales tax) | Not verified | — | |
| Public company (listed, audited reports) | Not verified | — | |
| Parent company | Not verified | — |
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