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Razorpay

Razorpay

Indian Startups

VS

Payoneer

Freelancer Payments

Payoneer
Fees from
2% + GST vs 3.99% + $0.49
Features

2 shared

2 unique to Razorpay · 1 unique to Payoneer
Regions

1 shared

4 unique to Payoneer
Pay methods

2 shared

9 unique to Razorpay · 4 unique to Payoneer
On fees

Razorpay publishes 2% + GST from. Payoneer publishes 3.99% + $0.49 from. Verify directly with each provider before signing.

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Show full specs
5 features · 15 payment methods · 5 regions. We don't rank these — they're here for reference.
Razorpay Razorpay
Payoneer Payoneer
Quick Facts
Fees
Standard transaction rate
2% + GST
3.99% + $0.49
Settlement
Time to receive funds
Instant to 3 business days
2–7 business days
Founded
2014
2005
Headquarters
Bangalore, India
New York City, New York, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Razorpay leads (4 vs 3)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Razorpay leads (11 vs 6)
Ach Unique
—
✓
Amex Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet
✓
✓
Diners Unique
✓
—
Google Pay Unique
✓
—
Mastercard Unique
✓
—
Mobile Wallet Unique
✓
—
Rupay Unique
✓
—
Upi Unique
✓
—
Visa Unique
✓
—
Wire Transfer Unique
—
✓
Regions
Payoneer leads (5 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓

Razorpay is best when you...

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

Payoneer is best when you...

Freelancer Payments
Need Enterprise
Not available with Razorpay
Want coverage in Africa, Europe, Latin America, North America
Razorpay doesn't cover these regions
View Payoneer

Frequently Asked Questions

What is the difference between Razorpay and Payoneer?
They share 2 payment methods and 1 region. Razorpay adds Amex, Buy Now Pay Later, Diners Club and 6 more that Payoneer does not list; Payoneer adds ACH, Credit Card, Debit Card and 1 more that Razorpay does not list; Payoneer also covers Africa, Europe and 2 more; only Razorpay offers Instant Sandbox, Recurring Payments.
Which is cheaper, Razorpay or Payoneer?
Razorpay has published rates from 2% + GST; Payoneer has published rates from 3.99% + $0.49. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Razorpay and Payoneer?
Razorpay lists 1 region and 11 payment methods; Payoneer lists 5 and 6. 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 Payoneer compare on integration and settlement?
both offer a sandbox; both support webhooks; Razorpay settles in Instant to 3 business days, Payoneer in 2–7 business days.

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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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