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Razorpay

Razorpay

Indian Startups

VS

Alipay

Chinese Consumers

Alipay
Fees from
2% + GST vs Custom
Features

1 shared

3 unique to Razorpay · 1 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

3 shared

8 unique to Razorpay · 4 unique to Alipay

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5 features · 15 payment methods · 8 regions. We don't rank these — they're here for reference.
Razorpay Razorpay
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
2% + GST
Custom
Settlement
Time to receive funds
Instant to 3 business days
Next business day
Founded
2014
2004
Headquarters
Bangalore, India
Hangzhou, China
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
Razorpay leads (11 vs 7)
Alipay Unique
—
✓
Amex Unique
✓
—
Bank Transfer Unique
✓
—
Bnpl Unique
✓
—
Digital Wallet
✓
✓
Diners Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
—
✓
Mastercard
✓
✓
Mobile Wallet Unique
✓
—
Qr Code Unique
—
✓
Rupay Unique
✓
—
Unionpay Unique
—
✓
Upi Unique
✓
—
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Razorpay is best when you...

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

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Razorpay
Want coverage in Africa, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Razorpay doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Razorpay and Alipay?
They share 3 payment methods and 1 region. Razorpay adds Amex, Bank Transfer, Buy Now Pay Later and 5 more that Alipay does not list; Alipay adds Alipay, JCB, QR Code and 1 more that Razorpay does not list; Alipay also covers Africa, Europe and 5 more; only Razorpay offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Razorpay or Alipay?
Razorpay has published rates from 2% + GST; Alipay 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 Alipay?
Razorpay lists 1 region and 11 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Razorpay settles in Instant to 3 business days, Alipay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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