Stripe vs Razorpay Fees (India)

Stripe vs Razorpay for Indian merchants — Razorpay’s 2% domestic card rate vs Stripe’s higher India pricing, plus UPI and BLIK.

Last updated: May 2026

At a glance

Razorpay India domestic: ~2% on cards
Razorpay UPI: 0.4–1% (much cheaper than cards)
Stripe India: Higher than Razorpay locally

For Indian merchants, Razorpay is cheaper than Stripe on domestic India volume (2% on cards vs Stripe’s ~3%, plus native UPI at much lower fees). Stripe wins for India-incorporated businesses serving primarily international customers, where global processing and developer experience matter more than India-specific payment methods.

Frequently asked questions

I’m an Indian SaaS selling globally — Stripe or Razorpay?

Stripe — global card processing is better, dev experience is better, and your customers are paying in USD/EUR not INR anyway. Razorpay’s domestic-rate advantage doesn’t help if your volume is global.

I’m an Indian e-commerce serving Indian customers — Stripe or Razorpay?

Razorpay. Native UPI support alone is decisive — UPI is ~10–20% of Indian online payment volume and dramatically cheaper than card processing. Razorpay also handles Indian regulatory requirements (RBI rules, GST integration) more naturally.

Related calculators & guides

Stripe Fees for International Businesses
Cross-border Stripe fees — international card surcharge, currency conversion, multi-entity setup, and the "where should I incorporate?" pricing question.

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