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Razorpay

Razorpay

Indian Startups

VS

ACI Worldwide

Real-time payments

ACI Worldwide
Fees from
2% + GST vs Custom
Features

1 shared

3 unique to Razorpay · 1 unique to ACI Worldwide
Regions

1 shared

6 unique to ACI Worldwide
Pay methods

5 shared

6 unique to Razorpay · 14 unique to ACI Worldwide

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5 features · 25 payment methods · 7 regions. We don't rank these — they're here for reference.
Razorpay Razorpay
ACI Worldwide ACI Worldwide
Quick Facts
Fees
Standard transaction rate
2% + GST
Custom
Settlement
Time to receive funds
Instant to 3 business days
Same day
Founded
2014
1975
Headquarters
Bangalore, India
Elkhorn, Nebraska, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Razorpay leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
ACI Worldwide leads (19 vs 11)
Ach Unique
—
✓
Amex
✓
✓
Bank Transfer Unique
✓
—
Bnpl Unique
✓
—
Contactless Unique
—
✓
Digital Wallet
✓
✓
Diners
✓
✓
Discover Unique
—
✓
Faster Payments Unique
—
✓
Fednow Unique
—
✓
Google Pay Unique
✓
—
Jcb Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Mobile Wallet Unique
✓
—
Open Banking Unique
—
✓
P2p Transfer Unique
—
✓
Qr Code Unique
—
✓
Real Time Payments Unique
—
✓
Rupay Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Upi Unique
✓
—
Visa
✓
✓
Wire Transfer Unique
—
✓
Regions
ACI Worldwide leads (7 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

Razorpay is best when you...

Indian Startups
Need Instant Sandbox
Not available with ACI Worldwide
Need Recurring Payments
Not available with ACI Worldwide
View Razorpay

ACI Worldwide is best when you...

Real-time payments
Need Enterprise
Not available with Razorpay
Want coverage in Africa, Europe, Latin America, Middle East, North America, Oceania
Razorpay doesn't cover these regions
View ACI Worldwide

Frequently Asked Questions

What is the difference between Razorpay and ACI Worldwide?
They share 5 payment methods and 1 region. Razorpay adds Bank Transfer, Buy Now Pay Later, Google Pay and 3 more that ACI Worldwide does not list; ACI Worldwide adds ACH, Contactless, Discover and 11 more that Razorpay does not list; ACI Worldwide also covers Africa, Europe and 4 more; only Razorpay offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Razorpay or ACI Worldwide?
Razorpay has published rates from 2% + GST; ACI Worldwide has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Razorpay and ACI Worldwide?
Razorpay lists 1 region and 11 payment methods; ACI Worldwide lists 7 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Razorpay and ACI Worldwide compare on integration and settlement?
both offer a sandbox; both support webhooks; Razorpay settles in Instant to 3 business days, ACI Worldwide in Same day.

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