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Razorpay

Razorpay

Indian Startups

VS

PayU

Global Emerging Markets

PayU
Fees from
2% + GST vs 2-3% (varies by country)
Features

2 shared

2 unique to Razorpay
Regions

1 shared

3 unique to PayU
Pay methods

9 shared

2 unique to Razorpay · 6 unique to PayU

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4 features · 17 payment methods · 4 regions. We don't rank these — they're here for reference.
Razorpay Razorpay
PayU PayU
Quick Facts
Fees
Standard transaction rate
2% + GST
2-3% (varies by country)
Settlement
Time to receive funds
Instant to 3 business days
2 business days
Founded
2014
2002
Headquarters
Bangalore, India
Hoofddorp, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Razorpay leads (4 vs 2)
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
PayU leads (15 vs 11)
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Bnpl
✓
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Digital Wallet
✓
✓
Diners Unique
✓
—
Google Pay
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Wallet
✓
✓
Pix Unique
—
✓
Rupay Unique
✓
—
Upi
✓
✓
Visa
✓
✓
Regions
PayU leads (4 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Middle East Unique
—
✓

Razorpay is best when you...

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

PayU is best when you...

Global Emerging Markets
Want coverage in Africa, Europe, Middle East
Razorpay doesn't cover these regions
View PayU

Frequently Asked Questions

What is the difference between Razorpay and PayU?
They share 9 payment methods and 1 region. Razorpay adds Diners Club, RuPay that PayU does not list; PayU adds Apple Pay, BLIK, Boleto and 3 more that Razorpay does not list; PayU also covers Africa, Europe and 1 more; only Razorpay offers Instant Sandbox, Recurring Payments.
Which is cheaper, Razorpay or PayU?
Razorpay has published rates from 2% + GST; PayU has published rates from 2-3% (varies by country). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Razorpay and PayU?
Razorpay lists 1 region and 11 payment methods; PayU lists 4 and 15. 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 PayU compare on integration and settlement?
both offer a sandbox; both support webhooks; Razorpay settles in Instant to 3 business days, PayU in 2 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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