Stripe vs Razorpay: which is better? Comparison 2026
By our public methodology Stripe scores 70 out of 100 and Razorpay scores 65. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Stripe | Razorpay | |
|---|---|---|
| Cost | 60 | 78 |
| Licence and security | 83 | 50 |
| Payouts | 57 | 71 |
Pros and cons
Stripe
- 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 | Stripe | Razorpay |
|---|---|---|
| Online card fee | 2.9% stripe.com | 2% razorpay.com |
| Fixed fee per payment | $0.30 stripe.com | $0.00 razorpay.com |
| Fee shown for the market | United States stripe.com | India razorpay.com |
| No monthly fee | Yes stripe.com | Yes razorpay.com |
| Chargeback fee | $15.00 stripe.com | Not verified |
| Licensed by a financial regulator | Yes stripe.com | Yes razorpay.com |
| Licence | NMLS 1280479 (Stripe Payments Company, US money transmitter licences) stripe.com | RBI (Reserve Bank of India), authorised payment aggregator — Razorpay Payments Private Limited razorpay.com |
| PCI DSS service provider | Yes docs.stripe.com | Not verified |
| Payout to your bank | 3 days docs.stripe.com | 2 days razorpay.com |
| Countries for businesses | 51 stripe.com | Not verified |
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