Head to head
Mollie vs Razorpay
As a payments API, Razorpay rates higher on the APIbenchmarks Index, 82.2 to 81.4, a 0.8-point gap. Here is how they compare on each criterion.
Criterion by criterion
| Criterion | Mollie | Razorpay |
|---|---|---|
| Documentation & DX | ||
| Reliability | ||
| Ecosystem & SDKs | ||
| Accessibility | ||
| APIbenchmarks Index | 81.4 | 82.2 |
Specifications
| Mollie | Razorpay | |
|---|---|---|
| Best for | European local-payment-methods PSP | India-first developer payments suite |
| Free tier | No setup/monthly fee; test mode free, pay per transaction | Free test mode + no monthly fee; ~2% per transaction live |
| Pricing | Per transaction (1.8% + €0.25 EU cards) | Per transaction (~2% + GST) |
| Official SDKs | 8 languages | 11 languages |
Is Mollie better than Razorpay?
On the APIbenchmarks Index, Razorpay rates higher (82.2 vs 81.4). 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 0.8 points (82.2 vs 81.4) and wins 2 of 4 criteria; Mollie wins 1.
Winner by criterion
| Criterion | Winner | ||
|---|---|---|---|
| Documentation & DX | 84 | 82 | |
| Reliability | 80 | 80 | Tie |
| Ecosystem & SDKs | 76 | 80 | |
| Accessibility | 86 | 88 |
Choose Mollie if… / choose Razorpay if…
- →documentation & dx matters most to you (84 vs 82)
- →your use case matches its focus: european local-payment-methods psp
- →ecosystem & sdks matters most to you (80 vs 76)
- →accessibility matters most to you (88 vs 86)
- →you need broad SDK coverage (11 official SDKs vs 8)
- →your use case matches its focus: india-first developer payments suite
Pricing side by side
- Model
- Per transaction (1.8% + €0.25 EU cards)
- Free tier
- No setup/monthly fee; test mode free, pay per transaction
- Online, Cards (EEA consumer Visa/Mastercard)1.80% + €0.25
- Online, Cards (EEA commercial / American Express)2.90% + €0.25
- iDEAL / Wero€0.32
- Bancontact1.40% + €0.25
- SEPA Direct Debit / Bank Transfer€0.35 / €0.25
- In-person, Pro Plan€20 / month
- 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 (Mollie) and 2026-06-27 (Razorpay).
SDK and language coverage
Both · 5
PHP (mollie-api-php)Python (mollie-api-py)RubyJavaGo (Golang)
Only Mollie · 3
Laravel Cashier (PHP)Node.js / TypeScript (mollie-api-node)C# / .NET
Only Razorpay · 6
Node.js.NETAndroidiOSFlutterReact Native
Strengths and weaknesses
- +Transparent blended pricing with no setup, monthly minimum or cancellation fees on the standard online product, you pay only on successful transactions
- +Excellent European payment-method coverage out of the box (iDEAL, Bancontact, Klarna, SEPA, PayPal, Apple/Google Pay, 40+ methods)
- +Clean, well-documented REST API with reliable webhooks and strong recurring/subscription handling that developers praise
- –Recurring, serious merchant complaints about sudden account holds, collateral reserves and frozen funds with poor communication (reflected in a low 3.2/5 Capterra score)
- –Settlement/payout timing in practice can lag the documented ~5 business days, with reports of cards taking 2–3 weeks and Klarna up to two months in disputed cases
- –Europe-centric: weaker fit than Stripe/Adyen for US-first or truly global expansion
- +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
Mollie vs Razorpay: questions
- Which has better documentation, Mollie or Razorpay?
- Mollie scores higher on documentation and developer experience: 84 vs 82 out of 100.
- Which is more reliable, Mollie or Razorpay?
- Mollie and Razorpay score the same on reliability (80).
- Do Mollie and Razorpay have a free tier?
- Mollie: yes (No setup/monthly fee; test mode free, pay per transaction). Razorpay: yes (Free test mode + no monthly fee; ~2% per transaction live).
- How are Mollie and Razorpay priced?
- Mollie: Per transaction (1.8% + €0.25 EU cards). Razorpay: Per transaction (~2% + GST).
- Which has more official SDKs?
- Razorpay lists 11 official SDKs, Mollie lists 8.