Razorpay vs Toss Payments: Which Payment Gateways Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.
The Short Answer
Razorpay vs Toss Payments, in 15 seconds
Choose Razorpay if…
- You prefer Razorpay's approach and ecosystem
Choose Toss Payments if…
- You want to trial before paying
- You depend on a broad integration ecosystem
Head-to-Head Scorecard
How Razorpay and Toss Payments score
Toss Payments leads on 2 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
RazorpayNo reviewsTossNo reviews - Even
Review Volume
Number of verified reviews, a proxy for adoption
Razorpay0Toss0 - Even
Entry Pricing
Lowest published starting price (free plan = lowest)
RazorpayCustomTossCustom - Toss Payments
Free Access
Availability of a free plan and/or free trial
RazorpayPaid onlyTossFree trial - Toss Payments
Integrations
Number of listed third-party integrations
Razorpay3Toss6 - Even
Features
Number of listed product capabilities
Razorpay8Toss8 - Even
AI Features
Capabilities mentioning AI, automation or ML
Razorpay,Toss, - Even
Security & Compliance
Number of listed compliance certifications
Razorpay2Toss2 - Razorpay
Platforms & Deployment
Supported platforms and deployment options
Razorpay5Toss4
Active Deals
Feature Comparison
Razorpay vs Toss Payments feature breakdown
Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.
Razorpay
Toss PaymentsPricing Comparison
Razorpay vs Toss Payments pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Razorpay
Custom to start- 2% per successful domestic transaction plus GST
- Rs. 0 setup and annual maintenance fees
- Up to 3% on international cards
- Corporate credit cards at 2.15%
- Custom pricing
- For merchants processing over Rs. 5,00,000 per month
Toss Payments
Custom to start- bank transfers
- card and easy pay
- Integrations
- Standard support
- Advanced security and controls
- developer APIs
- Dedicated support and onboarding
- Everything in Professional
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Razorpay vs Toss Payments: strengths and trade-offs
Razorpay
Pros
- Compliance: PCI DSS Level 1, ISO 27001
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
- Fewer native integrations than the alternative
Toss Payments
Pros
- Free trial offered
- Broad integration ecosystem (6)
- Compliance: SOC 2, GDPR
- Public API available
Cons
- No free plan
- Pricing is quote-based (less transparent)
Buyer Fit
Who should use Razorpay vs Toss Payments?
Startups
Either
Either keeps early-stage costs lowest with its entry tier.
Small businesses
Either
Either offers the most accessible pricing for lean teams.
Agencies
Toss Payments
Toss Payments connects to more tools for multi-client workflows.
Enterprises
Either
Either leads on compliance and breadth for complex needs.
Ecommerce
Toss Payments
Toss Payments integrates with more of the commerce stack.
SaaS companies
Either
Either is the more developer- and automation-friendly choice.
Integration overlap
Only in Razorpay (3)
Only in Toss Payments (6)
Keep Exploring
Other alternatives worth considering
Similar payment gateways products buyers compare alongside Razorpay and Toss Payments.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Razorpay and Toss Payments against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationRazorpay vs Toss Payments, Frequently Asked Questions
What is the difference between Razorpay and Toss Payments?
Razorpay and Toss Payments are both Payment Gateways solutions. Razorpay is rated 0.0/5 by 0 users, while Toss Payments is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Razorpay or Toss Payments?
Based on user ratings, Razorpay scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Razorpay or Toss Payments?
Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.
Does Razorpay or Toss Payments have a free plan?
Neither Razorpay nor Toss Payments currently offers a free plan, but Toss Payments provides a free trial.
Can I switch from Razorpay to Toss Payments?
Switching between Razorpay and Toss Payments is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Razorpay vs Toss Payments?
Razorpay is best suited for teams that prioritise enterprise features. Toss Payments works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Razorpay vs Toss Payments
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Either
It's a tie has the friendliest entry point for new teams.
Best for Enterprise
Either
It's a tie leads on compliance and feature breadth.
Best Value
Either
It's a tie delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.