Razorpay vs Cashfree
Razorpay vs Cashfree: 2% + GST (Payment processor) and 1.95–2% + GST (Payment processor). Compare seller eligibility, tax responsibilities, payouts and subscription portability.
The useful answer
Both sit in the payment processor category, but that does not make their fees or eligibility identical. Investigate Razorpay for indian businesses evaluating local payment collection; investigate Cashfree for indian businesses investigating payment collection and payouts. Neither wins for every country or workflow.
| Decision factor | Razorpay | Cashfree |
|---|---|---|
| Model | Payment processor | Payment processor |
| Public headline | 2% + GST India standard domestic · US: 2.7% + 30¢ | 1.95–2% + GST India domestic · verify method & contract |
| Best investigated for | Indian businesses evaluating local payment collection Foreign businesses investigating approved INR collection | Indian businesses investigating payment collection and payouts |
| Stripe relationship | A personal Stripe account is not the default documented gateway requirement. Product approval and the relevant Razorpay contract remain necessary. | No personal Stripe account is part of the documented standard gateway flow. The acquiring and payout partners must be evaluated separately. |
| Seller eligibility | India gateway onboarding and foreign-business Import Stack are different products. Country matches outside India refer only to investigation of the conditional Import Stack flow. A separate US payment-processing product publishes US pricing; US eligibility is a conditional research lead and does not imply access to India-only methods. | Indian merchant gateway availability, international customer acceptance and cross-border products are separate. Other countries remain unmapped in this release. |
| Payout considerations | Check whether you are using domestic settlement or Import Stack overseas settlement, the approved bank/currency, initial review and applicable fees. | Use the exact product’s settlement schedule, reserve/hold rules, bank requirements and extra payout fees. Payment acceptance and a separate payouts API are not the same service. |
| Refunds and disputes | Review the product’s refund authority, fee retention and dispute process. For a platform over an external gateway, the gateway’s dispute and settlement rules remain relevant; a platform subscription does not remove them. | Review the product’s refund authority, fee retention and dispute process. For a platform over an external gateway, the gateway’s dispute and settlement rules remain relevant; a platform subscription does not remove them. |
| Portability | Plan for customer and invoice export, subscription state, entitlement delivery and secure payment-data migration. A list of customer emails is not a portable recurring-payment mandate. | Plan for customer and invoice export, subscription state, entitlement delivery and secure payment-data migration. A list of customer emails is not a portable recurring-payment mandate. |
Before you decide
- Confirm seller, owner and payout-bank eligibility for the exact product.
- Identify who is the contractual seller and who handles taxes, refunds and disputes.
- Model your real checkout and payout volume, including fixed and add-on fees.
- Check subscription portability, data access and retained balances on exit.
Compare fees at your sales volume → · Compare tax responsibilities →
Primary sources
Sources: Razorpay official product documentation · Razorpay additional conditions · Razorpay: compatibility review source · Razorpay: supporting feature documentation · Razorpay: supporting feature documentation · Razorpay: supporting feature documentation · Razorpay scoped pricing · Razorpay USA pricing and product · Cashfree official product documentation · Cashfree additional conditions · Cashfree: compatibility review source · Cashfree: supporting feature documentation · Cashfree: supporting feature documentation · Cashfree: supporting feature documentation · Cashfree scoped pricing