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Checkout.com vs Razorpay: Payment Processors Comparison (2026)

Checkout.com offers global payment processing with tailored pricing and no setup fees, while Razorpay provides a payment gateway with transparent pricing starting at 2% + GST, focusing on the Indian market.

AI Citation Scorecard

How often each is cited by major AI engines when buyers ask payment processors questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.

Checkout.com leads overall — 17% cited vs Razorpay 3% across 60 probes.
ChatGPT
Checkout.comLeads
2 / 6 probes
33%
Good
Razorpay
1 / 6 probes
17%
Average
Perplexity
Checkout.comLeads
1 / 6 probes
17%
Average
Razorpay
0 / 6 probes
0%
Invisible
Gemini
Checkout.com
0 / 6 probes
0%
Invisible
Razorpay
0 / 6 probes
0%
Invisible
Claude
Checkout.comLeads
2 / 6 probes
33%
Good
Razorpay
0 / 6 probes
0%
Invisible
Copilot
Checkout.com
0 / 6 probes
0%
Invisible
Razorpay
0 / 6 probes
0%
Invisible
Scale:NoneLowFairStrongExcellent

Probes run hourly; each (engine × query) combo retests every ~3 days.

Pricing

Checkout.com
Starting price
—
Free tier
Yes
checkout.com ↗
Claim Checkout.com
Badge ↗
Razorpay
Starting price
2% + GST
Free tier
—
razorpay.com ↗
Claim Razorpay
Badge ↗

Key Features

Checkout.com
  • ✓Transparent card fees
  • ✓Free payment for charities
  • ✓Global payment processing
  • ✓Unified Payments API
Razorpay
  • ✓Payment Gateway
  • ✓International Payments
  • ✓Instant Refunds
  • ✓Magic Checkout
  • ✓TokenHQ
  • ✓Subscriptions
  • ✓Payment Links
  • ✓Payment Buttons

When to choose Checkout.com

Checkout.com is suitable for businesses seeking global payment processing, transparent card fees, and support for charities, especially when requiring tailored pricing and data migration assistance.

When to choose Razorpay

Razorpay is suitable for businesses primarily operating in India, needing a payment gateway with instant refunds, various payment methods including UPI, and transparent transaction-based pricing.

Frequently Asked Questions

What are the key differences in pricing?
Checkout.com offers tailored pricing based on needs, with no stated starting price, and provides free payment processing for charities. Razorpay has a transparent starting price of 2% + GST per transaction but offers custom pricing for high-revenue businesses.
Which platform is better for global transactions?
Checkout.com offers global payment processing with coverage in 150+ currencies. Razorpay also supports international payments but its primary features and pricing are more geared towards the Indian market.
Do either of these platforms offer a free tier?
Checkout.com offers a free tier. Razorpay does not clearly state a free tier.
What are the notable unique features of each platform?
Checkout.com's unique features include transparent card fees, free payment processing for charities, and a Unified Payments API. Razorpay's unique features include Magic Checkout, TokenHQ, Subscriptions, Payment Links, and Payment Buttons, along with a wide array of integrations for the Indian payment ecosystem like UPI and Netbanking.
Are there any setup or maintenance fees for either platform?
Checkout.com explicitly states no setup or maintenance fees. Razorpay does not mention setup or maintenance fees, but its pricing is transaction-based.

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