1. Airpay
Airpay Payment Services · Mumbai · Payment gateways & UPI · 4.6/5
Omnichannel payments with gateway and POS.
Pay as you go
Free trial
Payment gateways & UPI · Alternatives
Best Razorpay alternatives in India (2026)
Razorpay is a payment gateways & upi product from Razorpay, Bengaluru, priced at Pay as you go. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 19 are built in India.
Quick answer
The closest alternatives to Razorpay are Airpay (Pay as you go), PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go) and Instamojo Payments (Pay as you go). Published prices in this list start at ₹99/month.
Why businesses look for a Razorpay alternative
Reported limitation
2% applies even to UPI on the Standard plan
Reported limitation
Corporate cards cost 2.15% and international cards up to 3%
Reported limitation
18% GST on platform fee
Razorpay alternatives compared
Ranked by how closely each product matches Razorpay's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Razorpay (current) | Pay as you go | No | Web | Yes | 4.7/5 | — |
| 1 | Airpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 2 |  PayU | Pay as you go | No | Web | Yes | 4.7/5 | vs Razorpay |
| 3 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | vs Razorpay |
| 4 |  Paytm Payment Gateway | Pay as you go | No | Web | Yes | 4.7/5 | vs Razorpay |
| 5 |  Instamojo Payments | Pay as you go | No | Web | Yes | 4.6/5 | vs Razorpay |
| 6 |  PhonePe Payment Gateway | Pay as you go | No | Web | Yes | 4.6/5 | |
| 7 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 8 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 9 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | vs Razorpay |
| 10 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 11 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 12 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 | |
| 13 |  Paytm Soundbox | ₹125/mo | No | Web | Yes | 4.5/5 | |
| 14 |  PhonePe SmartSpeaker | ₹99/mo | No | Web | Yes | 4.4/5 | |
| 15 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 16 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 17 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 18 |  ZestMoney | Pay as you go | No | Web | Yes | 4.3/5 | |
| 19 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 20 |  LazyPay | Pay as you go | No | Web | Yes | 4.3/5 |
Top 10 Razorpay alternatives in detail
2. PayU
PayU India · Gurugram · Payment gateways & UPI · 4.7/5
Payment gateway with EMI, BNPL and enterprise integrations.
Pay as you go
Free trial
3. Cashfree Payments
Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5
Payment gateway and payouts with high UPI success rates.
Pay as you go
Free trial
Key features
- Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
- Payment links
- Subscriptions
- International payments
- Payouts API
4. Paytm Payment Gateway
Paytm · Noida · Payment gateways & UPI · 4.7/5
Gateway with Paytm wallet, UPI and card acceptance.
Pay as you go
Free trial
5. Instamojo Payments
Instamojo · Bengaluru · Payment gateways & UPI · 4.6/5
Simple payment gateway and links for micro businesses.
Pay as you go
Free trial
6. PhonePe Payment Gateway
PhonePe · Bengaluru · Payment gateways & UPI · 4.6/5
Gateway with PhonePe UPI and card processing.
Pay as you go
Free trial
7. Easebuzz
Easebuzz · Pune · Payment gateways & UPI · 4.6/5
Payment gateway and collections for education, SMEs and enterprises.
Pay as you go
Free trial
Key features
- Payment gateway (150+ options)
- Payment links
- Slices (split payments)
- ePOS
- International payment gateway
8. Zaakpay
Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5
Payment gateway from MobiKwik.
Pay as you go
Free trial
9. Atom Technologies
Atom Technologies (NTT DATA) · Mumbai · Payment gateways & UPI · 4.6/5
Payment gateway and bill collection for enterprises.
Pay as you go
Free trial
10. Skydo
Skydo · Bengaluru · Payment gateways & UPI · 4.5/5
International payment collection for Indian exporters with FIRA.
Pay as you go
Free trial
Razorpay alternatives by what you need
How to choose a Razorpay alternative
- Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
- Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
- Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
Razorpay alternatives — FAQs
What is the best alternative to Razorpay in 2026?+
The closest matches to Razorpay on App Advisor are Airpay (Pay as you go), PayU (Pay as you go), Cashfree Payments (Pay as you go). They are ranked by how closely their category, pricing model, platforms and target business size match Razorpay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Razorpay?+
None of the 20 closest alternatives to Razorpay has a free plan. Most offer a free trial instead, so ask for one before you commit.
What is the cheapest alternative to Razorpay?+
Among alternatives that publish a price, PhonePe SmartSpeaker starts lowest at ₹99/mo. Prices are read from each vendor's website and exclude GST.
Is there an Indian alternative to Razorpay?+
Yes. 19 alternatives are built in India, including Airpay (Pay as you go), PayU (Pay as you go), Cashfree Payments (Pay as you go). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Razorpay vs Airpay: which is better?+
Airpay is the closest match to Razorpay in our catalogue. Compare them side by side before you book a demo.
How were these Razorpay alternatives chosen?+
Every product listed sits in payment gateways & upi or a category Razorpay also covers, and Razorpay's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which Razorpay alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
Airpay alternativesPayU alternativesCashfree Payments alternativesPaytm Payment Gateway alternativesInstamojo Payments alternativesPhonePe Payment Gateway alternativesEasebuzz alternativesZaakpay alternativesAtom Technologies alternativesSkydo alternativesSalt by Salt.pe alternativesBRISKPE alternativesAll payment gateways & upi alternativesBrowse all alternatives