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Pricing is quote-based.
Razorpay’s Standard plan has no monthly or setup fee, but it is not free: the pricing page lists 2.70% + $0.30 per card transaction, the same rate for digital wallets, and 0.5% for ACH, capped at $5. Custom and Enterprise pricing is not published. Add 1.2% for international or non-US cards, plus $5 ACH returns and $10 disputes. The main trade-off is broad payment-method coverage against fees tied to each transaction.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Standard | — | Quote | Businesses getting started quickly |
| Custom | — | Quote | Growing and early-stage businesses |
| Enterprise | — | Quote | Businesses processing $12M+ annually |
Add-ons and overages
- International/non-US cards: +1.2% on top of card rate
- ACH return fee: $5
- Dispute fee: $10
- Invoicing: no extra cost
02What the plan grid doesn't tell you
International card surcharge
International and non-US cards add 1.2% on top of the card rate.
ACH return fee
A returned ACH debit costs $5.
Dispute fee
Each dispute carries a listed $10 fee.
Per-transaction charges
Standard has a $0 monthly fee, but cards cost 2.70% + $0.30 per transaction; ACH costs 0.5%, capped at $5.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses getting started | Standard | It has no monthly or setup fee, with published card, wallet, and ACH rates. |
| Growing or early-stage businesses | Custom | It offers volume-based discounts and tailored rates; contact sales for a quote. |
| Businesses processing $12M+ annually | Enterprise | It includes custom, volume-based pricing and dedicated support; pricing requires a sales quote. |
04Is Razorpay worth the money?
Razorpay can make sense for businesses that need cards, wallets, ACH, payment links, and cross-border methods without a monthly Standard fee. But the listed card rate is 2.70% + $0.30, and custom rates are unpublished, so we can’t call it the cheapest option in the category. Standard is pay-as-you-go; no annual billing is listed. Compare your payment mix and ask sales for a written quote before switching.
Razorpay pricing FAQ
How much commission does Razorpay charge?
For Standard, the listed card fee is 2.70% + $0.30 per transaction. Digital wallets use the same rate. ACH Direct Debit costs 0.5%, capped at $5. International and non-US cards add 1.2% on top of the card rate.
Which is better, Razorpay or Paytm?
The published pricing information does not list Paytm rates or features, so we can’t make a like-for-like price verdict. Razorpay’s Standard fees are 2.70% + $0.30 for cards and 0.5% for ACH, capped at $5.
What are Razorpay payments?
Razorpay is a payment platform that lets businesses accept cards, digital wallets, ACH Direct Debit, and cross-border payments. Its listed features also include payment links, checkout options, APIs, SDKs, plugins, and buy now, pay later options including Klarna, Afterpay, and PayPal.
Is it safe to pay with Razorpay?
The feature list says card payments include tokenization and 3-D Secure, but that alone does not establish that every payment or account is risk-free. The published material does not detail every checkout or merchant safeguard, so we can’t make a blanket safety guarantee.