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CarPay vs Razorpay: Which Payment Gateways Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.

CarPay
CarPay
Rating
,
Reviews
0
From
Custom

in Payment Gateways

Razorpay
Razorpay
Leads 4/9
Rating
,
Reviews
0
From
Custom

in Payment Gateways

Jump to scorecard Ask SIA

The Short Answer

CarPay vs Razorpay, in 15 seconds

Choose CarPay if…

  • You want to trial before paying

Choose Razorpay if…

  • You depend on a broad integration ecosystem
  • You want deeper AI and automation features
  • You need the broader feature set

Head-to-Head Scorecard

How CarPay and Razorpay score

Razorpay leads on 4 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    CarPay
    No reviews
    Razorpay
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    CarPay
    0
    Razorpay
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    CarPay
    Custom
    Razorpay
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    CarPay
    CarPay
    Free trial
    Razorpay
    Paid only

  • Integrations

    Number of listed third-party integrations

    Razorpay
    CarPay
    6
    Razorpay
    8

  • Features

    Number of listed product capabilities

    Razorpay
    CarPay
    8
    Razorpay
    19

  • AI Features

    Capabilities mentioning AI, automation or ML

    Razorpay
    CarPay
    ,
    Razorpay
    1

  • Security & Compliance

    Number of listed compliance certifications

    Even
    CarPay
    2
    Razorpay
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Razorpay
    CarPay
    4
    Razorpay
    5

Active Deals

Razorpay, Free* Payment Gateway for 90 Days

Get deal

Feature Comparison

CarPay vs Razorpay feature breakdown

Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.

CarPay
Razorpay
Overview
User rating
,
,
Pricing model
Quote-based
Usage-Based
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Mobile loan paymentsAutopayCollections toolsDMS integrationsAuto loan paymentsAutomotive finance+2
Online payment gatewayUPI, cards, netbanking & walletsPayment Links & PagesRecurring payments & subscriptionsAutomated payouts (RazorpayX)Smart Collect (virtual accounts)+13
AI features
,
Automated payouts (RazorpayX)
Integrations & API
Integrations
DealerCenterFrazerAutosoftQuickBooksTwiliobanks
ShopifyWooCommerceMagentoWixWordPressZoho+2
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebAPI
WebiOSAndroid
Mobile support
Security & Compliance
Compliance
SOC 2GDPR
PCI DSS Level 1ISO 27001
Vendor
Company
,
,
Verified
Founded
2017
2014
Headquarters
Austin, Texas, USA
Bengaluru, Karnataka, India

Pricing Comparison

CarPay vs Razorpay pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

CarPay

Custom to start
ProfessionalCustom
  • Standard support
  • mobile loan payments
  • autopay
  • Integrations
EnterpriseCustom
  • Dedicated support and onboarding
  • Advanced security and controls
  • Everything in Professional
  • collections tools

Razorpay

Custom to start
StandardCustom
  • No setup or maintenance fee
  • Standard pricing per successful transaction on domestic cards, UPI & netbanking
  • Payment gateway, links, pages & invoices
  • Dashboard, reporting & settlements
EnterpriseCustom
  • Custom transaction pricing
  • Dedicated account manager
  • Optimized routing & higher success rates
  • Priority support & SLAs

Total cost of ownership factors

Free planCarPay Razorpay
Free trial to evaluateCarPay Razorpay
Transparent published pricingCarPay Razorpay
Public API (build vs. buy add-ons)CarPay Razorpay

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

CarPay vs Razorpay: strengths and trade-offs

CarPay

Pros

  • Free trial offered
  • Compliance: SOC 2, GDPR
  • Public API available

Cons

  • No free plan
  • Pricing is quote-based (less transparent)
  • Fewer native integrations than the alternative

Razorpay

Pros

  • Broad integration ecosystem (8)
  • Compliance: PCI DSS Level 1, ISO 27001
  • Stronger AI / automation features
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Buyer Fit

Who should use CarPay vs Razorpay?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Razorpay

Razorpay connects to more tools for multi-client workflows.

Enterprises

Razorpay

Razorpay leads on compliance and breadth for complex needs.

Ecommerce

Razorpay

Razorpay integrates with more of the commerce stack.

SaaS companies

Razorpay

Razorpay is the more developer- and automation-friendly choice.

Integration overlap

Only in CarPay (6)

DealerCenterFrazerAutosoftQuickBooksTwiliobanks

Only in Razorpay (8)

ShopifyWooCommerceMagentoWixWordPressZohoTallyPHP/Node/Python SDKs

Keep Exploring

Other alternatives worth considering

Similar payment gateways products buyers compare alongside CarPay and Razorpay.

PayU

PayU

Custom
CCAvenue

CCAvenue

Custom
Zaakpay

Zaakpay

Custom
Zoho Checkout

Zoho Checkout

Free
Hitpay

Hitpay

Free
Mollie

Mollie

Free
More CarPay alternatives →More Razorpay alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs CarPay and Razorpay against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

CarPay vs Razorpay, Frequently Asked Questions

What is the difference between CarPay and Razorpay?

CarPay and Razorpay are both Payment Gateways solutions. CarPay is rated 0.0/5 by 0 users, while Razorpay is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, CarPay or Razorpay?

Based on user ratings, CarPay scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, CarPay or Razorpay?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does CarPay or Razorpay have a free plan?

Neither CarPay nor Razorpay currently offers a free plan, but CarPay provides a free trial.

Can I switch from CarPay to Razorpay?

Switching between CarPay and Razorpay is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use CarPay vs Razorpay?

CarPay is best suited for teams that prioritise enterprise features. Razorpay works well for teams needing advanced capabilities.

Our Verdict

The bottom line on CarPay vs Razorpay

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Razorpay

Razorpay leads on compliance and feature breadth.

Best Value

Either

It's a tie delivers the lowest cost to get started.

Best AI Features

Razorpay

Razorpay ships more AI and automation.

Highest Rated

Either

Both earn equal user ratings.

Ready to decide between CarPay and Razorpay?

Visit CarPay Visit Razorpay Ask SIA
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