Adyen vs Razorpay: which is better? Comparison 2026
By our public methodology Adyen scores 72 out of 100 and Razorpay scores 65. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Adyen | Razorpay | |
|---|---|---|
| Cost | 44 | 78 |
| Licence and security | 100 | 50 |
| Payouts | 71 | 71 |
Pros and cons
Adyen
- Regulator licence with a number on the official site
- Validated under PCI DSS as a service provider
- Pay per transaction, with no monthly fee
Razorpay
- Regulator licence with a number on the official site
- Low fixed fee per payment
- Pay per transaction, with no monthly fee
Facts side by side
| Fact | Adyen | Razorpay |
|---|---|---|
| Online card fee | Not verified | 2% razorpay.com |
| Fixed fee per payment | $0.13 adyen.com | $0.00 razorpay.com |
| Fee shown for the market | Not verified | India razorpay.com |
| No monthly fee | Yes adyen.com | Yes razorpay.com |
| Licensed by a financial regulator | Yes adyen.com | Yes razorpay.com |
| Licence | DNB (De Nederlandsche Bank), credit institution; KvK 34259528 adyen.com | RBI (Reserve Bank of India), authorised payment aggregator — Razorpay Payments Private Limited razorpay.com |
| PCI DSS service provider | Yes docs.adyen.com | Not verified |
| Founded | 2006 adyen.com | Not verified |
| Payout to your bank | 2 days docs.adyen.com | 2 days razorpay.com |
| Public company (listed, audited reports) | Yes live.euronext.com | Not verified |
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