Razorpay vs Stripe: Payment Processors Comparison (2026)
Razorpay and Stripe are both payment processing platforms with different pricing structures and feature sets. Razorpay offers a starting price of 2% + GST with features such as International Payments, Instant Refunds, Magic Checkout, TokenHQ, Subscriptions, Payment Links, and Payment Buttons. Stripe has a starting price of 2.9% + 30¢ per successful transaction for domestic cards and offers pay-as-you-go pricing with no setup or monthly fees, supporting over 100 payment methods.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask payment processors questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Payment Gateway
- ✓International Payments
- ✓Instant Refunds
- ✓Magic Checkout
- ✓TokenHQ
- ✓Subscriptions
- ✓Payment Links
- ✓Payment Buttons
- ✓Pay-as-you-go pricing
- ✓No setup or monthly fees
- ✓Custom pricing for high volume
- ✓Supports 100+ payment methods
When to choose Razorpay
Choose Razorpay if you need transparent pricing for specific features like Magic Checkout or TokenHQ, and integrations for UPI, Visa, Mastercard, American Express, Wallets, Netbanking, Pay Later, and Corporate Credit Cards.
When to choose Stripe
Choose Stripe if you require a comprehensive payment platform with flexible, pay-as-you-go pricing that supports over 100 payment methods, and you are comfortable with transaction fees that can be high for some services.
Frequently Asked Questions
AI visibility profiles
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