Razorpay API
India's leading payment gateway, UPI, cards, EMI, wallets
Paid Only
✓ Verified
🌐 Rest of the world
Razorpay is the most widely used payment gateway in India, processing payments via UPI, cards, net banking, EMI, wallets, and BNPL. The API covers payment links, subscriptions, split payments, payouts, and invoicing. Particularly strong for Indian e-commerce, SaaS, and D2C brands. Supports all major Indian payment methods including PhonePe, Google Pay, and Paytm UPI. The developer experience is excellent with clear documentation and plugins for all major e-commerce platforms. No monthly fees — pure transaction-based pricing.
API Details
Auth Method
API Key
Pricing Model
Paid Only
Free Tier
No (2% per transaction)
Rate Limit
Standard rate limits apply
Format
REST / JSON
Versioning
v1
SLA / Uptime
99.9%
Compliance
PCI DSS Level 1, RBI Regulated
Geographic Restrictions
India (primary), international card payments supported
Last Verified
2026-02-20
Categories
Frequently Asked Questions
Razorpay is India's most widely used payment gateway, serving 8+ million businesses. It supports all major Indian payment methods and is the dominant player in the Indian market. International payment collection is also available. Razorpay is the go-to choice for startups and enterprises doing business in India.
Razorpay supports UPI (Unified Payments Interface u2014 India's dominant instant payment system), credit/debit cards (Visa, Mastercard, RuPay), net banking (100+ banks), EMI, wallets (Paytm, PhonePe, Amazon Pay), and BNPL (Buy Now Pay Later). UPI support is critical for the Indian market where UPI handles over 10 billion monthly transactions.
Razorpay charges 2% per transaction for domestic cards, UPI, and net banking (no additional fixed fee unlike Stripe). International cards are 3% per transaction. There is no setup fee, monthly fee, or Annual Maintenance Charge. For high-volume businesses (>u20b940 lakh/month), volume-based pricing tiers are available.
Razorpay X is Razorpay's business banking product u2014 a current account with built-in payouts, vendor payments, payroll, and tax payments. It sits alongside the payments API. Many Indian startups use Razorpay for both accepting customer payments (gateway) and making business payments (X), keeping all financial flows in one platform.