Question 1

What is the difference between Razorpay and Stripe?

Accepted Answer

Razorpay covers 3 countries and Stripe covers 46; they overlap in 3, with 0 served only by Razorpay and 43 only by Stripe. Razorpay supports 16 payment methods and Stripe 50, 8 of them in common. Both publish their pricing.

Question 2

Which covers more countries, Razorpay or Stripe?

Accepted Answer

Stripe has more: Razorpay covers 3 countries and Stripe covers 46. Only Stripe serves Australia, Austria, Belgium, Brazil, Bulgaria, Canada and 37 more.

Question 3

Does Razorpay or Stripe support more payment methods?

Accepted Answer

Stripe has more: 16 for Razorpay against 50 for Stripe, with 8 in common. Only Razorpay offers Boost, Buy Now Pay Later, Diners, DuitNow, E-Wallet, Online Banking and 2 more. Only Stripe offers ACH, Affirm, Afterpay, Alipay, Alma, Amazon Pay and 36 more.

Question 4

Is Razorpay cheaper than Stripe?

Accepted Answer

Razorpay publishes its pricing (2%–3% per transaction). Stripe publishes its pricing (1.5%–3.15% + 0.2 GBP per transaction). Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Question 5

Can you use Razorpay and Stripe together?

Accepted Answer

Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.

	Razorpay	Stripe
Type	Provider	Provider
Headquarters	India	United States
Founded	2014	2010
Part of
Countries covered	3	46
Payment methods	16	50
Currencies	8 — AED, AUD, EUR, GBP, INR, MYR…	33 — AED, ARS, AUD, BRL, CAD, CHF…
Pricing	2%–3% per transaction	1.5%–3.15% + 0.2 GBP per transaction
Settlement	India T+1 standard, with instant settlement available	T+2 in the US and Australia, T+3 in the UK and EU; first payout after 7-14 days
Regulators	Reserve Bank of India, Bank Negara Malaysia	Financial Conduct Authority, Central Bank of Ireland, US state banking regulators (NMLS), Monetary Authority of Singapore
Categories	BNPL, Banking, Cards, Cross Border, Gateway, POS	ACH, BNPL, Card Issuance, Cards, Cross Border, Crypto, Direct Debit, Gateway, Open Banking, POS, PayTech
Industries	Fintech, Marketplace, Retail, SaaS, eCommerce	Charity, Fintech, Food & Drink, Marketplace, Retail, SaaS, Travel, eCommerce

Razorpay vs Stripe

Razorpay and Stripe at a glance

Countries

Only Razorpay

Only Stripe

Payment methods