Skip to main content
Saaskart

Razorpay vs SmartBill: 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.

Razorpay
Razorpay
Rating
,
Reviews
0
From
Custom

in Payment Gateways

SmartBill
SmartBill
Rating
,
Reviews
0
From
Custom

in Billing & Invoicing

Jump to scorecard Ask SIA

The Short Answer

Razorpay vs SmartBill, in 15 seconds

Choose Razorpay if…

  • You have strict security & compliance needs

Choose SmartBill if…

  • You want to trial before paying
  • You depend on a broad integration ecosystem

Head-to-Head Scorecard

How Razorpay and SmartBill score

It's evenly matched, each leads on 2 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Razorpay
    No reviews
    SmartBill
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    Razorpay
    0
    SmartBill
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Razorpay
    Custom
    SmartBill
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    SmartBill
    Razorpay
    Paid only
    SmartBill
    Free trial

  • Integrations

    Number of listed third-party integrations

    SmartBill
    Razorpay
    3
    SmartBill
    6

  • Features

    Number of listed product capabilities

    Even
    Razorpay
    8
    SmartBill
    8

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Razorpay
    ,
    SmartBill
    ,

  • Security & Compliance

    Number of listed compliance certifications

    Razorpay
    Razorpay
    2
    SmartBill
    1

  • Platforms & Deployment

    Supported platforms and deployment options

    Razorpay
    Razorpay
    5
    SmartBill
    4

Active Deals

Razorpay, Free* Payment Gateway for 90 Days

Get deal

Feature Comparison

Razorpay vs SmartBill feature breakdown

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

Razorpay
SmartBill
Overview
User rating
,
,
Pricing model
Usage-Based
Quote-based
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Payment gatewayUPI and card paymentsPayment Links and PagesSubscriptionsRazorpayX payoutsSmart Collect+2
InvoicingE-FacturaStock managementPOSAccounting softwareBilling software+2
AI features
,
,
Integrations & API
Integrations
n8nReplitVercel
BanksStripePayPalWooCommerceExcelREST APIs
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebiOSAndroid
WebAPI
Mobile support
Security & Compliance
Compliance
PCI DSS Level 1ISO 27001
GDPR
Vendor
Company
,
,
Verified
Founded
2014
,
Headquarters
Bengaluru, Karnataka, India
Bucharest, Romania

Pricing Comparison

Razorpay vs SmartBill pricing

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

Razorpay

Custom to start
Standard,
  • 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%
EnterpriseCustom
  • Custom pricing
  • For merchants processing over Rs. 5,00,000 per month

SmartBill

Custom to start
ProfessionalCustom
  • Analytics and reporting
  • e-Factura
  • Integrations
  • invoicing
EnterpriseCustom
  • Everything in Professional
  • Advanced security and controls
  • Dedicated support and onboarding
  • stock management

Total cost of ownership factors

Free planRazorpay SmartBill
Free trial to evaluateRazorpay SmartBill
Transparent published pricingRazorpay SmartBill
Public API (build vs. buy add-ons)Razorpay SmartBill

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

Pros & Cons

Razorpay vs SmartBill: 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

SmartBill

Pros

  • Free trial offered
  • Broad integration ecosystem (6)
  • Compliance: GDPR
  • Public API available

Cons

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

Buyer Fit

Who should use Razorpay vs SmartBill?

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

SmartBill

SmartBill connects to more tools for multi-client workflows.

Enterprises

Razorpay

Razorpay leads on compliance and breadth for complex needs.

Ecommerce

SmartBill

SmartBill 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)

n8nReplitVercel

Only in SmartBill (6)

BanksStripePayPalWooCommerceExcelREST APIs

Keep Exploring

Other alternatives worth considering

Similar payment gateways products buyers compare alongside Razorpay and SmartBill.

PayU

PayU

Custom
CCAvenue

CCAvenue

Custom
Zaakpay

Zaakpay

Custom
Zoho Checkout

Zoho Checkout

Free
Hitpay

Hitpay

Free
Mollie

Mollie

Free
More Razorpay alternatives →More SmartBill alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Razorpay and SmartBill 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

Razorpay vs SmartBill, Frequently Asked Questions

What is the difference between Razorpay and SmartBill?

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

Which is better, Razorpay or SmartBill?

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 SmartBill?

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

Does Razorpay or SmartBill have a free plan?

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

Can I switch from Razorpay to SmartBill?

Switching between Razorpay and SmartBill 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 SmartBill?

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

Our Verdict

The bottom line on Razorpay vs SmartBill

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.

Ready to decide between Razorpay and SmartBill?

Visit Razorpay Visit SmartBill Ask SIA
Compare more alternatives →

Get a recommendation

Not sure which to choose?

Tell us your requirements and our advisors will help you compare and shortlist the best-fit options, free and unbiased.

  • A real human, fast

    Someone on our team replies within one business day, no bots, no ticket queue.

  • Routed to the right team

    Buying, selling, partnering, or investing, you reach the people who can actually help.

  • Independent & unbiased

    No pushy sales. Just honest guidance grounded in the ecosystem.

  • Tailored to your context

    Tell us what you need and we shape the next steps around it.

Replies within 1 business day No spam, ever Free to reach out
  1. 1You
  2. 2Details
  3. 3Contact

Who are you? Pick the option that fits best.