Head to head
Checkout.com vs Razorpay
As a payments API, Razorpay rates higher on the APIbenchmarks Index, 82.2 to 76.6, a 5.6-point gap. Here is how they compare on each criterion.
Criterion by criterion
| Criterion | Checkout.com | Razorpay |
|---|---|---|
| Documentation & DX | ||
| Reliability | ||
| Ecosystem & SDKs | ||
| Accessibility | ||
| APIbenchmarks Index | 76.6 | 82.2 |
Specifications
| Checkout.com | Razorpay | |
|---|---|---|
| Best for | Enterprise unified payments API | India-first developer payments suite |
| Free tier | Self-serve sandbox test account; live pricing sales-quoted | Free test mode + no monthly fee; ~2% per transaction live |
| Pricing | Custom (flat or interchange++) | Per transaction (~2% + GST) |
| Official SDKs | 11 languages | 11 languages |
Is Checkout.com better than Razorpay?
On the APIbenchmarks Index, Razorpay rates higher (82.2 vs 76.6). 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 5.6 points (82.2 vs 76.6) and wins 2 of 4 criteria; Checkout.com wins 2.
Winner by criterion
| Criterion | Winner | ||
|---|---|---|---|
| Documentation & DX | 84 | 82 | |
| Reliability | 88 | 80 | |
| Ecosystem & SDKs | 76 | 80 | |
| Accessibility | 52 | 88 |
Choose Checkout.com if… / choose Razorpay if…
- →documentation & dx matters most to you (84 vs 82)
- →reliability matters most to you (88 vs 80)
- →your use case matches its focus: enterprise unified payments api
- →ecosystem & sdks matters most to you (80 vs 76)
- →accessibility matters most to you (88 vs 52)
- →your use case matches its focus: india-first developer payments suite
Pricing side by side
- Model
- Custom (flat or interchange++)
- Free tier
- Self-serve sandbox test account; live pricing sales-quoted
- Interchange++ (IC++)Custom quote
- Flat-rate (blended)Custom quote
- Charity pricingFree processing
- 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 (Checkout.com) and 2026-06-27 (Razorpay).
SDK and language coverage
Both · 10
Node.jsPythonJavaPHPRuby.NETGoiOS (Frames/Flow)Android (Frames/Flow)React Native
Only Checkout.com · 1
JavaScript (browser / Frames)
Only Razorpay · 1
Flutter
Strengths and weaknesses
- +Interchange++ pricing gives full transparency into interchange, scheme fees, and the processor's margin
- +Intelligent Acceptance AI measurably lifts authorization rates (reported up to +9.5pp in beta; +1.9% for NordVPN)
- +Strong global coverage of card schemes plus local payment methods, wallets, and bank transfers
- –No publicly published rates; pricing is entirely quote-based and requires contacting sales
- –Integration can feel technical and benefits from dedicated developer resources
- –Support can be slower than expected for smaller or lower-priority issues
- +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
Checkout.com vs Razorpay: questions
- Which has better documentation, Checkout.com or Razorpay?
- Checkout.com scores higher on documentation and developer experience: 84 vs 82 out of 100.
- Which is more reliable, Checkout.com or Razorpay?
- Checkout.com scores higher on reliability: 88 vs 80 out of 100.
- Do Checkout.com and Razorpay have a free tier?
- Checkout.com: yes (Self-serve sandbox test account; live pricing sales-quoted). Razorpay: yes (Free test mode + no monthly fee; ~2% per transaction live).
- How are Checkout.com and Razorpay priced?
- Checkout.com: Custom (flat or interchange++). Razorpay: Per transaction (~2% + GST).
- Which has more official SDKs?
- Both list 11 official SDKs.