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Payu 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.

Payu
Payu
Rating
—
Reviews
0
From
Custom
Razorpay
Razorpay
Leads 5/9
Rating
—
Reviews
0
From
Custom

in Payment Gateways

Jump to scorecard Ask SIA

The Short Answer

Payu vs Razorpay, in 15 seconds

Choose Payu if…

  • You prefer Payu's approach and ecosystem

Choose Razorpay if…

  • You depend on a broad integration ecosystem
  • You want deeper AI and automation features
  • You have strict security & compliance needs
  • You need the broader feature set

Head-to-Head Scorecard

How Payu and Razorpay score

Razorpay leads on 5 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Payu
    No reviews
    Razorpay
    No reviews

  • Review Volume

    Number of verified reviews — a proxy for adoption

    Even
    Payu
    0
    Razorpay
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Payu
    Custom
    Razorpay
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Even
    Payu
    Paid only
    Razorpay
    Paid only

  • Integrations

    Number of listed third-party integrations

    Razorpay
    Payu
    0
    Razorpay
    8

  • Features

    Number of listed product capabilities

    Razorpay
    Payu
    6
    Razorpay
    10

  • AI Features

    Capabilities mentioning AI, automation or ML

    Razorpay
    Payu
    —
    Razorpay
    1

  • Security & Compliance

    Number of listed compliance certifications

    Razorpay
    Payu
    —
    Razorpay
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Razorpay
    Payu
    3
    Razorpay
    5

Active Deals

Razorpay — Free* Payment Gateway for 90 Days

Get deal

Feature Comparison

Payu vs Razorpay feature breakdown

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

Payu
Razorpay
Overview
User rating
—
—
Pricing model
USAGE_BASED
Usage-Based
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Payment gatewayCards & wallets & local methodsFraud protectionPayoutsRecurring paymentsDeveloper APIs
Online payment gatewayUPI, cards, netbanking & walletsPayment Links & PagesRecurring payments & subscriptionsAutomated payouts (RazorpayX)Smart Collect (virtual accounts)+4
AI features
—
Automated payouts (RazorpayX)
Integrations & API
Integrations
—
ShopifyWooCommerceMagentoWixWordPressZoho+2
Public API
Platforms
Deployment
CloudWeb
CloudSaaS
Platforms
Web
WebiOSAndroid
Mobile support
Security & Compliance
Compliance
—
PCI DSS Level 1ISO 27001
Vendor
Company
—
—
Verified
Founded
—
2014
Headquarters
—
Bengaluru, Karnataka, India

Pricing Comparison

Payu vs Razorpay pricing

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

Payu

Custom to start
Transaction-basedFree
  • Payment acceptance
  • Multiple methods
  • Fraud protection
  • Payouts

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 planPayu Razorpay
Free trial to evaluatePayu Razorpay
Transparent published pricingPayu Razorpay
Public API (build vs. buy add-ons)Payu Razorpay

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

Pros & Cons

Payu vs Razorpay: strengths and trade-offs

Payu

Pros

  • Public API available

Cons

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

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 Payu 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 Payu (0)

Only in Razorpay (8)

ShopifyWooCommerceMagentoWixWordPressZohoTallyPHP/Node/Python SDKs

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Payu 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

Payu vs Razorpay — Frequently Asked Questions

What is the difference between Payu and Razorpay?

Payu and Razorpay are both software solutions. Payu 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, Payu or Razorpay?

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

Which is cheaper, Payu or Razorpay?

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

Does Payu or Razorpay have a free plan?

Neither Payu nor Razorpay currently offers a free plan, but both offer paid plans with various tiers.

Can I switch from Payu to Razorpay?

Switching between Payu 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 Payu vs Razorpay?

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

Our Verdict

The bottom line on Payu 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 Payu and Razorpay?

Visit Payu Visit Razorpay Ask SIA
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