Razorpay vs PayU
A side-by-side look at Razorpay and PayU — pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  Razorpay4.5(4) Sponsored |  PayU4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2% | 2% – 3% (by market) |
| In-person rate | — | — |
| Keyed-in rate | — | — |
| International | 3% | Varies by market |
| ACH / bank | — | — |
| Monthly fee | ₹0 | Varies |
| Setup fee | ₹0 | — |
| Monthly minimum | — | — |
| Chargeback fee | — | — |
| Pricing model | Flat rate | Custom quote, Flat rate |
| Contract | No contract | Annual |
| Free trial | No | No |
| Payout time | T+2 | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| UPI | Yes | Yes |
| Netbanking | Yes | Yes |
| Wallets | Yes | Yes |
| BNPL | Yes | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | Yes |
| WooCommerce | Yes | No |
| Payment links | Yes | Yes |
| Invoicing | Yes | No |
| Mobile SDK | Yes | Yes |
| Features | ||
| Recurring billing | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | Yes |
| Reporting dashboard | Yes | No |
| Developer-friendly | Yes | No |
| Multi-currency | No | Yes |
| Chargeback protection | No | Yes |
| Company | ||
| Founded | 2014 | 2002 |
| Headquarters | Bengaluru, India | Hoofddorp, Netherlands |
| Company size | 1000+ staff | 1000+ staff |
| Regions | IN | IN, EU, Global |
| PCI level | Level 1 | Level 1 |
| Currencies | INR (+ international acceptance) | Local currencies across 50+ markets |
| High-risk friendly | No | Yes |
| Get started | ||
| Visit / profile | ||