Head to head
Adyen vs Razorpay
As a payments API, Razorpay rates higher on the APIbenchmarks Index, 82.2 to 76.1, a 6.1-point gap. Here is how they compare on each criterion.
Criterion by criterion
| Criterion | Adyen | Razorpay |
|---|---|---|
| Documentation & DX | ||
| Reliability | ||
| Ecosystem & SDKs | ||
| Accessibility | ||
| APIbenchmarks Index | 76.1 | 82.2 |
Specifications
| Adyen | Razorpay | |
|---|---|---|
| Best for | Enterprise unified commerce acquirer | India-first developer payments suite |
| Free tier | No | Free test mode + no monthly fee; ~2% per transaction live |
| Pricing | Interchange++ (€0.11 + IC + ~0.6%) | Per transaction (~2% + GST) |
| Official SDKs | 12 languages | 11 languages |
Is Adyen better than Razorpay?
On the APIbenchmarks Index, Razorpay rates higher (82.2 vs 76.1). It leads on the four weighted criteria, but price is reported separately, so the best choice still depends on your budget.
Verdict in one line
Razorpay leads by 6.1 points (82.2 vs 76.1) and wins 2 of 4 criteria; Adyen wins 2.
Winner by criterion
| Criterion | Winner | ||
|---|---|---|---|
| Documentation & DX | 84 | 82 | |
| Reliability | 95 | 80 | |
| Ecosystem & SDKs | 78 | 80 | |
| Accessibility | 38 | 88 |
Choose Adyen if… / choose Razorpay if…
- →documentation & dx matters most to you (84 vs 82)
- →reliability matters most to you (95 vs 80)
- →you need broad SDK coverage (12 official SDKs vs 11)
- →your use case matches its focus: enterprise unified commerce acquirer
- →ecosystem & sdks matters most to you (80 vs 78)
- →accessibility matters most to you (88 vs 38)
- →you want a free tier to start (Free test mode + no monthly fee; ~2% per transaction live)
- →your use case matches its focus: india-first developer payments suite
Pricing side by side
- Model
- Interchange++ (€0.11 + IC + ~0.6%)
- Free tier
- No
- Interchange++ (standard)Interchange + scheme fees + ~0.60% acquirer markup
- Per-transaction processing fee~€0.10–€0.15 per transaction
- No recurring platform fees$0 setup / monthly / integration / closure
- Model
- Per transaction (~2% + GST)
- Free tier
- Free test mode + no monthly fee; ~2% per transaction live
- Standard (domestic)2% per transaction
- International CardsUp to 3% per transaction
- International Bank Transfers1% per transaction
- UPI QR Codes0.99% per transaction
- Subscriptions~0.9-1% add-on
- EnterpriseCustom
Vendor-published pricing, verified 2026-06-27 (Adyen) and 2026-06-27 (Razorpay).
SDK and language coverage
Both · 10
JavaPHPNode.js.NET (C#)PythonGoRubyiOS (Swift/Objective-C)AndroidReact Native
Only Adyen · 2
Adyen Web (JavaScript) Drop-in/ComponentsTerminal API libraries (C#, Go, Java, Node, PHP, Ruby)
Only Razorpay · 1
Flutter
Strengths and weaknesses
- +Single unified API and integration across online, in-app, and in-store (POS) with consistent shopper recognition
- +Interchange++ transparent pricing rather than blended rates, clear visibility into interchange, scheme fees, and markup
- +Strong developer experience: OpenAPI specs, interactive API Explorer, generated SDKs, sandbox with test cards, short release cycles
- –Pricing and minimum monthly invoice make it expensive/opaque for small and low-volume merchants
- –Aggressive automated risk/fraud blocks with no clear appeal process, and reports of frozen or held funds
- –Email-only support with no phone line; slow IT/support responsiveness is a recurring complaint
- +Flat, transparent 2% pricing charged only on successful transactions, with no setup fee or annual maintenance charge
- +Best-in-class documentation and integration kits, repeatedly cited by developers as the easiest Indian gateway to integrate
- +Broadest Indian payment-method coverage: UPI, cards, netbanking, wallets, EMI, pay-later in one API
- –Customer support is the most common complaint, slow ticket resolution and repeated loops, especially during peak periods
- –Risk-driven settlement holds can freeze funds for extended compliance reviews, a recurring Trustpilot grievance
- –Transaction fees viewed as slightly higher than competitors like Cashfree and PayU
Adyen vs Razorpay: questions
- Which has better documentation, Adyen or Razorpay?
- Adyen scores higher on documentation and developer experience: 84 vs 82 out of 100.
- Which is more reliable, Adyen or Razorpay?
- Adyen scores higher on reliability: 95 vs 80 out of 100.
- Do Adyen and Razorpay have a free tier?
- Adyen: no free tier. Razorpay: yes (Free test mode + no monthly fee; ~2% per transaction live).
- How are Adyen and Razorpay priced?
- Adyen: Interchange++ (€0.11 + IC + ~0.6%). Razorpay: Per transaction (~2% + GST).
- Which has more official SDKs?
- Adyen lists 12 official SDKs, Razorpay lists 11.