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Razorpay vs Stripe for Indian Businesses — Which to Choose?
Payments Tech

Razorpay vs Stripe for Indian Businesses — Which to Choose?

2 April 2025 5 min read

Both Razorpay and Stripe are excellent payment gateways, but they serve different needs. Here's a clear comparison for Indian businesses.


Razorpay


Razorpay is built specifically for India. It supports every Indian payment method natively.


Pros:

  • UPI, IMPS, NEFT payments
  • All Indian bank cards
  • EMI options (no-cost EMI)
  • NetBanking support
  • Indian customer support
  • INR settlements (T+2)

  • **Fees:** 2% per transaction (domestic)


    **Best for:** Businesses primarily selling to Indian customers


    Stripe


    Stripe is a global payment gateway, excellent for international payments.


    Pros:

  • International cards (Visa, Mastercard, Amex)
  • 135+ currencies
  • Excellent developer experience
  • Global customer base

  • Cons:

  • UPI not natively supported
  • INR settlements take longer
  • Customer support response time can be slow for India

  • **Fees:** 2.9% + ₹2 per transaction


    **Best for:** SaaS businesses with international customers


    Our Recommendation


    For most Indian businesses: Use Razorpay


  • Your customers pay with UPI (most popular in India)
  • Lower fees for domestic transactions
  • Faster settlement to Indian bank accounts
  • Better customer support in IST timezone

  • **Add Stripe if** you have international customers who need to pay with foreign cards.


    What WebByte Uses


    On our platform, we support both — Razorpay for Indian customers and Stripe for international orders. You can choose at checkout.


    Place your order →

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    Razorpay vs Stripe for Indian Businesses — Which to Choose? | WebByte