Razorpay vs Swipe: 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.
The Short Answer
Razorpay vs Swipe, in 15 seconds
Choose Razorpay if…
- You have strict security & compliance needs
Choose Swipe if…
- You want to trial before paying
- You depend on a broad integration ecosystem
Head-to-Head Scorecard
How Razorpay and Swipe score
It's evenly matched, each leads on 2 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
RazorpayNo reviewsSwipeNo reviews - Even
Review Volume
Number of verified reviews, a proxy for adoption
Razorpay0Swipe0 - Even
Entry Pricing
Lowest published starting price (free plan = lowest)
RazorpayCustomSwipeCustom - Swipe
Free Access
Availability of a free plan and/or free trial
RazorpayPaid onlySwipeFree trial - Swipe
Integrations
Number of listed third-party integrations
Razorpay3Swipe6 - Even
Features
Number of listed product capabilities
Razorpay8Swipe8 - Even
AI Features
Capabilities mentioning AI, automation or ML
Razorpay,Swipe, - Razorpay
Security & Compliance
Number of listed compliance certifications
Razorpay2Swipe1 - Razorpay
Platforms & Deployment
Supported platforms and deployment options
Razorpay5Swipe4
Active Deals
Feature Comparison
Razorpay vs Swipe feature breakdown
Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.
Razorpay
SwipePricing Comparison
Razorpay vs Swipe pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Razorpay
Custom to start- 2% per successful domestic transaction plus GST
- Rs. 0 setup and annual maintenance fees
- Up to 3% on international cards
- Corporate credit cards at 2.15%
- Custom pricing
- For merchants processing over Rs. 5,00,000 per month
Swipe
Custom to start- GST invoices
- Standard support
- Analytics and reporting
- Integrations
- Advanced security and controls
- payment links
- Dedicated support and onboarding
- Everything in Professional
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Razorpay vs Swipe: strengths and trade-offs
Razorpay
Pros
- Compliance: PCI DSS Level 1, ISO 27001
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
- Fewer native integrations than the alternative
Swipe
Pros
- Free trial offered
- Broad integration ecosystem (6)
- Compliance: GST compliance
- Public API available
Cons
- No free plan
- Pricing is quote-based (less transparent)
Buyer Fit
Who should use Razorpay vs Swipe?
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
Swipe
Swipe connects to more tools for multi-client workflows.
Enterprises
Razorpay
Razorpay leads on compliance and breadth for complex needs.
Ecommerce
Swipe
Swipe integrates with more of the commerce stack.
SaaS companies
Either
Either is the more developer- and automation-friendly choice.
Integration overlap
Only in Razorpay (3)
Only in Swipe (6)
Keep Exploring
Other alternatives worth considering
Similar payment gateways products buyers compare alongside Razorpay and Swipe.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Razorpay and Swipe against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationRazorpay vs Swipe, Frequently Asked Questions
What is the difference between Razorpay and Swipe?
Razorpay and Swipe are both Payment Gateways solutions. Razorpay is rated 0.0/5 by 0 users, while Swipe is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Razorpay or Swipe?
Based on user ratings, Razorpay scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Razorpay or Swipe?
Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.
Does Razorpay or Swipe have a free plan?
Neither Razorpay nor Swipe currently offers a free plan, but Swipe provides a free trial.
Can I switch from Razorpay to Swipe?
Switching between Razorpay and Swipe is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Razorpay vs Swipe?
Razorpay is best suited for teams that prioritise enterprise features. Swipe works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Razorpay vs Swipe
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
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.