Razorpay VS Zoho Payments

Let’s have a side-by-side comparison of Razorpay vs Zoho Payments to find out which one is better. This software comparison between Razorpay and Zoho Payments is based on genuine user reviews. Compare software prices, features, support, ease of use, and user reviews to make the best choice between these, and decide whether Razorpay or Zoho Payments fits your business.

Comparison

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Razorpay

4.2

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Zoho Payments

4.2

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Pricing

Price Plans

Price on Request

Get customise plan according to your business requirement

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Price on Request

Get customise plan according to your business requirement

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Free Trial
Lifetime Plan

Free Trial

Free Trial

Ratings

Overall ratings

4.2

25 Ratings & 25 Reviews

Features 4.2

Value for Money 4.1

Ease of Use 4.3

Customer Support 4.2

Likelihood to Recommend

See all Razorpay reviews

4.2

6 Ratings & 0 Reviews

Features 4.3

Value for Money 4.0

Ease of Use 4.5

Customer Support 4.1

Likelihood to Recommend

Pros & Cons

Pros

Razorpay makes it super easy to set up and use. The API is straightforward, and ...Read more - Babita Jul 04, 2024

Razorpay is the best payment gateway with an easy-to-understand dashboard, all r...Read more - Nidhi Shah Jul 03, 2024

Not Available

Currently no pros are available. Please check back later

Cons

There aren't many issues I've come across, but it would be great if they added a...Read more - Babita Jul 04, 2024

Document verification takes a long time, competitors offer 0% commission on UPI ...Read more - Nidhi Shah Jul 03, 2024

Not Available

Currently no cons are available. Please check back later

Reviews

Verified customer reviews

Razorpay: Smooth Payment Processing

Babita Jul 04, 2024

Best Payment Gateway for Online Business

Nidhi Shah Jul 03, 2024

See all Razorpay reviews

Rating

BYARATI FOUNDATION Jan 03, 2025

Rating

Zubair Ahmad Rasul Khan Oct 23, 2024

Reviews with Video

Best Indian Payment Gateway Complete Setup Walkthrough Razorpay Review

Razorpay Payment Gateway Review First Impressions by DigitalDeepak

See all (4)

Not Available

Currently no reviews are available. Please check back later

Best Use for

Business Size:

Individual
2-50 Employees
51-250 Employees
250-500 Employees
500-1000 Employees
More than 1000+ Employees

Individual
2-50 Employees
51-250 Employees
250-500 Employees
500-1000 Employees
More than 1000+ Employees

Business Type:

Small Business
Startups
Medium Business
Enterprise
SMBs
SMEs
MSMBs
MSMEs
Freelancers
Individual

Small Business
Startups
Medium Business
Enterprise
SMBs
SMEs
MSMBs
MSMEs
Freelancers
Individual

Industries:

All Industries

All Industries

Features

Payment Methods

UPI
Debit / Credit Cards
Net Banking
Digital Wallet
Cardless EMI
Buy Now, Pay Later (BNPL)
Cryptocurrency
ACH Payments
QR Code Based Payments

UPI
Debit / Credit Cards
Net Banking
Digital Wallet
Cardless EMI
Buy Now, Pay Later (BNPL)
Cryptocurrency
ACH Payments
QR Code Based Payments

Core Functionalities

Dedicated POS
Multi Currency Support
Pre-onboarding Assitance
Branding & Customization
Currency Conversion
Coupons and Offers Engine
Mobile Responsiveness
Payment Links
Guest Checkout
Multi-Language Checkout
Store Creation
Landing Page Creation
Split Payments
Instant Settlements
Dedicated Account Manager
Automated Reconciliation
Loyalty Management

Dedicated POS
Multi Currency Support
Pre-onboarding Assitance
Branding & Customization
Currency Conversion
Coupons and Offers Engine
Mobile Responsiveness
Payment Links
Guest Checkout
Multi-Language Checkout
Store Creation
Landing Page Creation
Split Payments
Instant Settlements
Dedicated Account Manager
Automated Reconciliation
Loyalty Management

Subscription Management

Reccuring Payments
Proration
Dunning

Reccuring Payments
Proration
Dunning

Administrative Features

Reporting & Analytics
User Access Management
Merchant Portal
Tax Management
Invoice Generation

Reporting & Analytics
User Access Management
Merchant Portal
Tax Management
Invoice Generation

Security Features

PCI DSS Compliance
Fraud Detection & Prevention
Tokenization
Two-Factor Authentication (2FA)
Multi-Factor Authentication (MFA)
Risk Management
Automatic Device Recognition

PCI DSS Compliance
Fraud Detection & Prevention
Tokenization
Two-Factor Authentication (2FA)
Multi-Factor Authentication (MFA)
Risk Management
Automatic Device Recognition

Integrations Supported

API Integration
SDK Integration
E-Commerce Integration
Third Party Integration
CRM Integration
Order Management

API Integration
SDK Integration
E-Commerce Integration
Third Party Integration
CRM Integration
Order Management

Alerts & Notifications

Downtime Alerts
Transaction Notifications
Security Alerts
Discrepancy Alerts
Custom Event Notifications

Downtime Alerts
Transaction Notifications
Security Alerts
Discrepancy Alerts
Custom Event Notifications

Gallery

All Videos & Images

See all (3)

Specifications

Deployment

Web based
On Premises

Web based
On Premises

Device Supported

Desktop
Mobile
iPad
Tablet

Desktop
Mobile
iPad
Tablet

Supported Platforms

Windows
Mac OS
Android
iOS
Linux
Ubuntu

Windows
Mac OS
Android
iOS
Linux
Ubuntu

Languages support

English

English

Compliance Regulations:

COPPA
HIPAA
CCPA
CPRA
ECPA

COPPA
HIPAA
CCPA
CPRA
ECPA

Alternatives

Top Alternative Products

Adyen

PayDollar

Verifone

Airpay Payment Gateway

See all Razorpay alternatives

Adyen

PayDollar

Verifone

Airpay Payment Gateway

See all Zoho Payments alternatives

Razorpay vs Zoho Payments Comparison FAQs

Software questions,
answered

While Razorpay offers customized features, Zoho Payments has diverse modules. Select between Razorpay or Zoho Payments as per your business needs.

Both these products offer similar features but with a different approach. While Razorpay emphasizes on user experiences, Zoho Payments focuses on functionalities.

It all depends on the functionalities that you prefer. While Razorpay offers add-ons along with essential features, Zoho Payments emphasizes on customization.

No, the difference between Razorpay and Zoho Payments lies in terms of features and functionalities. While Razorpay can be customized as per the user’s needs, Zoho Payments addresses the diverse audience.

It depends upon your business requirement. Both Razorpay and Zoho Payments provides standard features to cater diverse industry needs.

The difference lies in terms of the user interface and functionalities. While Razorpay is customizable, Razorpay offers comprehensive modules.

A Quick Comparison Between Razorpay vs Zoho Payments

Choosing any software for your organisation is a crucial decision. As a decision maker, you must ensure that the software you choose addresses the pain points of your teams and reaps maximum benefit for you.

Key Differences Between Razorpay and Zoho Payments for Payment Solutions

Key Differences Between Razorpay and Zoho Payments for Payment Solutions

Scope & Ecosystem Integration: Razorpay is a full-suite payments platform offering gateway, payouts, subscription billing, banking-services via RazorpayX, and plugin integrations with e-commerce platforms. Zoho Payments is a unified payments solution built to integrate seamlessly with the Zoho finance and business app ecosystem (Books, Billing, Commerce, Inventory), enabling in-app adoption.
Payment Methods & Channels: Razorpay supports a broad range of Indian payment methods including cards, net banking, wallets, UPI, and international cards, with capabilities like checkout retry logic and tokenized card (CardSync). Zoho Payments supports cards (Visa, Mastercard, RuPay), net banking, UPI, payment links, hosted pages, and multi-channel collection modes.
Global & Currency Support: Razorpay supports cross-border payments and international cards in multiple currencies. Zoho Payments allows accepting payments in over 135 currencies (in its U.S. edition) and automatically converges them into the base currency.
Dispute & Chargeback Management: Razorpay handles chargebacks and refunds with dispute resolution tools and real-time webhook events. Zoho Payments provides built-in dispute tracking, submission of evidence, status monitoring, and unified handling of refunds and chargebacks.
Settlement & Payout Timing: Razorpay offers frequent settlements and supports automated payouts through its RazorpayX infrastructure. Zoho Payments settles the net amount into the merchant’s bank account; payouts timing and split-settlement options are configurable within the Zoho platform.
Security & Compliance: Razorpay ensures secure handling of payments via encryption and compliance with industry standards. Zoho Payments operates under PCI DSS Level 1 certification, uses SSL encryption, and integrates multi-factor authentication and fraud protection.