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Stripe vs Razorpay

Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Razorpay in 4 (and 161 more with limits). Both serve businesses in 44.

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For a business registered in

Onboards businesses in United States

Stripe

Available

Razorpay

Available

Accept payments

Stripe

Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.

Razorpay

Payment gateway, payment links, payment pages, subscriptions, QR codes and POS. In India it supports cards, netbanking, UPI, wallets, EMI and Pay Later; Malaysia (Curlec) adds FPX, DuitNow and others; Singapore and US offer cards, wallets, PayNow (SG) and ACH (US). Non-Indian businesses can also collect from Indian customers.

Pay people abroad

Stripe

Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.

Razorpay

RazorpayX payouts to contacts in India via IMPS, RTGS, NEFT or UPI from a RazorpayX current account; also vendor and salary payouts. Razorpay Curlec in Malaysia also lists payouts. Cross-border payouts are not documented as a general product.Not for businesses in United States.

Multi-currency account

Stripe

Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.

Razorpay

RazorpayX current accounts for Indian businesses, provided by partner banks (ICICI, RBL, Yes Bank); RazorpayX is not a bank.Not for businesses in United States.

Business cards

Stripe

Issue physical and virtual cards for your business or your users.

Razorpay

RazorpayX Corporate Card (Visa corporate credit card issued by RBI-licensed partner banks) for Indian businesses.Not for businesses in United States.

Stablecoins

Stripe

US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.

Razorpay

Not offered

Yield on idle cash

Stripe

Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.

Razorpay

Not offered

Yield on idle cash

A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.

Where the return comes from

Stripe

Low risk, not insuredCredits against fees

Razorpay

No yield offered

Is the money protected?

Stripe

Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.

Razorpay

–

Does the rate change?

Stripe

Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits

Razorpay

–

Fees

Published prices only, with the date we read them. Many providers negotiate prices instead.

How pricing works

Stripe

Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees.

Razorpay

Not yet researched

Published prices

Stripe

Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency)

Razorpay

–

What you can sell

From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.

Software and digital goods

Stripe

Not stated

Razorpay

Not yet researched

Crypto

Stripe

RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.

Razorpay

Not yet researched

Lending and financial services

Stripe

RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited.

Razorpay

Not yet researched

Gambling

Stripe

Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval.

Razorpay

Not yet researched

Adult content

Stripe

Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.

Razorpay

Not yet researched

Dating

Stripe

RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.

Razorpay

Not yet researched

Firearms and weapons

Stripe

RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.

Razorpay

Not yet researched

Cannabis and CBD

Stripe

Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list.

Razorpay

Not yet researched

Supplements

Stripe

RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list.

Razorpay

Not yet researched

Pharmacy and telemedicine

Stripe

RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan.

Razorpay

Not yet researched

Travel

Stripe

RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all.

Razorpay

Not yet researched

Multi-level marketing

Stripe

Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.

Razorpay

Not yet researched

Free-trial subscriptions

Stripe

Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line.

Razorpay

Not yet researched

Platform & marketplace

Run payments for other businesses: sign them up, take a cut, pay them out.

Sub-accounts for your users

Stripe

YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.

Razorpay

YesPartners can onboard sub-merchants through APIs, with sub-merchants completing KYC on the partner's platform.

Split payments and platform fees

Stripe

YesDestination charges, separate charges and transfers, and application fees.

Razorpay

YesRoute splits incoming payments among linked accounts. Since RBI's September 2025 rules, Route requires minimum turnover (over INR 40 lakh domestic or INR 5 lakh export) and a payer-payee transparency declaration.

Embeddable UI

Stripe

YesConnect embedded components for onboarding, payments, payouts and account management.

Razorpay

YesMerchant Onboarding UI: pre-built, brand-configurable components for onboarding sub-merchants (on request); Embedded Payments for platforms.

Pay out to your users

Stripe

YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins

Razorpay

YesRazorpayX payouts to bank accounts and UPI IDs in India (IMPS/RTGS/NEFT/UPI). Domestic Indian payouts only in the docs checked.

Embedded finance for your users

Give your users financial products under your brand.

Accounts that hold money

Stripe

PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone

Razorpay

Not confirmedNot found in public materials (provider's own pages checked). RazorpayX current accounts are for the merchant itself, not for its users.

Cards for your users

Stripe

YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries

Razorpay

Not confirmedNot found in public materials (provider's own pages checked). The RazorpayX Corporate Card is for the merchant's own spending.

Financing for your users

Stripe

YesCapital for platforms offers financing to connected accounts in selected markets.

Razorpay

PartlyRazorpay Capital runs an invite-only partner programme in which B2B businesses can refer their customers to Razorpay's Line of Credit. This is a referral, not an embedded lending API.

Consumer apps

Build for individuals, not just businesses, the way Bridge allows.

End users can be individuals

Stripe

PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.

Razorpay

Not confirmedNot found in public materials (provider's own pages checked).

Consumer wallets or accounts

Stripe

PartlyThrough Bridge custodial wallets, not Stripe accounts.

Razorpay

NoRazorpay's White Label Wallet (closed wallets for your customers) was discontinued in April 2023 and takes no new users.

Consumer cards

Stripe

PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries

Razorpay

Not confirmedNot found in public materials (provider's own pages checked).

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Stripe

YesStablecoin payments at checkout, settled to the business in fiat.

Razorpay

Not confirmedNot found in public materials (provider's own pages checked). Razorpay's India terms bar merchants from crypto activity.

Hold stablecoin balances

Stripe

YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countries Announced, not yet live: Move stablecoin balances to and from local bank accounts

Razorpay

Not confirmedNot found in public materials (provider's own pages checked).

Pay out in stablecoins

Stripe

YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins

Razorpay

Not confirmedNot found in public materials (provider's own pages checked).

Issue your own stablecoin

Stripe

YesThrough Bridge Open Issuance.

Razorpay

Not confirmedNot found in public materials (provider's own pages checked).

Regulatory risk in United States

Stripe

Low risk

Razorpay

No stablecoin products

AI agents

Build with AI tools, and let AI agents shop and pay.

Official MCP server

Stripe

YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.

Razorpay

YesOfficial Razorpay MCP Server, hosted (remote) or self-hosted via Docker, with 35+ tools covering payments, orders, links, refunds, settlements and payouts.

Checkout for AI agents

Stripe

YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.

Razorpay

PartlyRazorpay Agentic Payments: in-app agentic checkout (live in beta), voice payments and in-chat purchases on LLM platforms.

Cards for AI agents

Stripe

YesIssuing can create single-use virtual cards for agents buying online.

Razorpay

PartlyUPI Reserve Pay (live) lets AI agents pay within pre-approved spending limits. It is a UPI mandate, not a card.

Working with them

How easy it is to get started.

Self-serve signup

Stripe

YesSign up online and go live without sales in supported countries.

Razorpay

Not confirmedNot researched yet.

Published pricing

Stripe

YesStandard rates are on the pricing page; volume discounts are negotiated.

Razorpay

Not confirmedNot researched yet.

Public API and sandbox

Stripe

YesPublic API, test mode and sandboxes.

Razorpay

Not confirmedNot researched yet.

Coming soon

Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.

Announced, not yet live

Stripe

Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026

AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026

Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026

3 more and details →

Razorpay

Nothing announced

In short

Countries onboarded

Stripe

42 of 170

Razorpay

4 of 170

Designed for

Stripe

Online businesses that want one integration for checkout, subscriptions and marketplaces.

Razorpay

Businesses registered in India that need local methods such as UPI and netbanking, and foreign businesses that want to sell to Indian customers without an Indian entity.

Limitations

Stripe

Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.

Razorpay

Full service is limited to India, Malaysia, Singapore and the US, and products differ sharply by market; most platform and banking features are India-only.

	Stripe Payment processor	Razorpay Regional processor
Onboards businesses in United States	Available	Available
Accept payments	Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.	Payment gateway, payment links, payment pages, subscriptions, QR codes and POS. In India it supports cards, netbanking, UPI, wallets, EMI and Pay Later; Malaysia (Curlec) adds FPX, DuitNow and others; Singapore and US offer cards, wallets, PayNow (SG) and ACH (US). Non-Indian businesses can also collect from Indian customers.
Pay people abroad	Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.	RazorpayX payouts to contacts in India via IMPS, RTGS, NEFT or UPI from a RazorpayX current account; also vendor and salary payouts. Razorpay Curlec in Malaysia also lists payouts. Cross-border payouts are not documented as a general product.Not for businesses in United States.
Multi-currency account	Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.	RazorpayX current accounts for Indian businesses, provided by partner banks (ICICI, RBL, Yes Bank); RazorpayX is not a bank.Not for businesses in United States.
Business cards	Issue physical and virtual cards for your business or your users.	RazorpayX Corporate Card (Visa corporate credit card issued by RBI-licensed partner banks) for Indian businesses.Not for businesses in United States.
Stablecoins	US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.	Not offered
Yield on idle cash	Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.	Not offered
Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from	Low risk, not insuredCredits against fees	No yield offered
Is the money protected?	Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.	–
Does the rate change?	Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits	–
FeesPublished prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works	Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees.	Not yet researched
Published prices	Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency)	–
What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods	Not stated	Not yet researched
Crypto	RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.	Not yet researched
Lending and financial services	RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited.	Not yet researched
Gambling	Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval.	Not yet researched
Adult content	Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.	Not yet researched
Dating	RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.	Not yet researched
Firearms and weapons	RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.	Not yet researched
Cannabis and CBD	Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list.	Not yet researched
Supplements	RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list.	Not yet researched
Pharmacy and telemedicine	RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan.	Not yet researched
Travel	RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all.	Not yet researched
Multi-level marketing	Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.	Not yet researched
Free-trial subscriptions	Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line.	Not yet researched
Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users	YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.	YesPartners can onboard sub-merchants through APIs, with sub-merchants completing KYC on the partner's platform.
Split payments and platform fees	YesDestination charges, separate charges and transfers, and application fees.	YesRoute splits incoming payments among linked accounts. Since RBI's September 2025 rules, Route requires minimum turnover (over INR 40 lakh domestic or INR 5 lakh export) and a payer-payee transparency declaration.
Embeddable UI	YesConnect embedded components for onboarding, payments, payouts and account management.	YesMerchant Onboarding UI: pre-built, brand-configurable components for onboarding sub-merchants (on request); Embedded Payments for platforms.
Pay out to your users	YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins	YesRazorpayX payouts to bank accounts and UPI IDs in India (IMPS/RTGS/NEFT/UPI). Domestic Indian payouts only in the docs checked.
Embedded finance for your usersGive your users financial products under your brand.
Accounts that hold money	PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone	Not confirmedNot found in public materials (provider's own pages checked). RazorpayX current accounts are for the merchant itself, not for its users.
Cards for your users	YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries	Not confirmedNot found in public materials (provider's own pages checked). The RazorpayX Corporate Card is for the merchant's own spending.
Financing for your users	YesCapital for platforms offers financing to connected accounts in selected markets.	PartlyRazorpay Capital runs an invite-only partner programme in which B2B businesses can refer their customers to Razorpay's Line of Credit. This is a referral, not an embedded lending API.
Consumer appsBuild for individuals, not just businesses, the way Bridge allows.
End users can be individuals	PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.	Not confirmedNot found in public materials (provider's own pages checked).
Consumer wallets or accounts	PartlyThrough Bridge custodial wallets, not Stripe accounts.	NoRazorpay's White Label Wallet (closed wallets for your customers) was discontinued in April 2023 and takes no new users.
Consumer cards	PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries	Not confirmedNot found in public materials (provider's own pages checked).
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	YesStablecoin payments at checkout, settled to the business in fiat.	Not confirmedNot found in public materials (provider's own pages checked). Razorpay's India terms bar merchants from crypto activity.
Hold stablecoin balances	YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countries Announced, not yet live: Move stablecoin balances to and from local bank accounts	Not confirmedNot found in public materials (provider's own pages checked).
Pay out in stablecoins	YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins	Not confirmedNot found in public materials (provider's own pages checked).
Issue your own stablecoin	YesThrough Bridge Open Issuance.	Not confirmedNot found in public materials (provider's own pages checked).
Regulatory risk in United States	Low risk	No stablecoin products
AI agentsBuild with AI tools, and let AI agents shop and pay.
Official MCP server	YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.	YesOfficial Razorpay MCP Server, hosted (remote) or self-hosted via Docker, with 35+ tools covering payments, orders, links, refunds, settlements and payouts.
Checkout for AI agents	YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.	PartlyRazorpay Agentic Payments: in-app agentic checkout (live in beta), voice payments and in-chat purchases on LLM platforms.
Cards for AI agents	YesIssuing can create single-use virtual cards for agents buying online.	PartlyUPI Reserve Pay (live) lets AI agents pay within pre-approved spending limits. It is a UPI mandate, not a card.
Working with themHow easy it is to get started.
Self-serve signup	YesSign up online and go live without sales in supported countries.	Not confirmedNot researched yet.
Published pricing	YesStandard rates are on the pricing page; volume discounts are negotiated.	Not confirmedNot researched yet.
Public API and sandbox	YesPublic API, test mode and sandboxes.	Not confirmedNot researched yet.
Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live	Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026 AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026 Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026 3 more and details →	Nothing announced
In short
Countries onboarded	42 of 170	4 of 170
Designed for	Online businesses that want one integration for checkout, subscriptions and marketplaces.	Businesses registered in India that need local methods such as UPI and netbanking, and foreign businesses that want to sell to Indian customers without an Indian entity.
Limitations	Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.	Full service is limited to India, Malaysia, Singapore and the US, and products differ sharply by market; most platform and banking features are India-only.

Common questions

Is Stripe or Razorpay available in more countries?

Razorpay. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Razorpay in 4 (and 161 more with limits). Both serve businesses in 44. Only Razorpay: Argentina, Colombia, Chile, Peru, Iceland, Saudi Arabia, Israel, Turkey, Egypt, Nigeria, Kenya, South Africa and 109 more.

What do Stripe and Razorpay offer?

Accept payments: Stripe yes, Razorpay yes. Pay people abroad: Stripe yes, Razorpay yes. Multi-currency account: Stripe yes, Razorpay yes. Business cards: Stripe yes, Razorpay yes. Stablecoins: Stripe yes, Razorpay no. Yield on idle cash: Stripe yes, Razorpay no.

How do Stripe and Razorpay differ for platforms and embedded finance?

Accounts that hold money: Stripe partly, Razorpay not confirmed. Cards for your users: Stripe yes, Razorpay not confirmed. Financing for your users: Stripe yes, Razorpay partly. End users can be individuals: Stripe partly, Razorpay not confirmed. Consumer wallets or accounts: Stripe partly, Razorpay no. Consumer cards: Stripe partly, Razorpay not confirmed. Accept stablecoins: Stripe yes, Razorpay not confirmed. Hold stablecoin balances: Stripe yes, Razorpay not confirmed. Pay out in stablecoins: Stripe yes, Razorpay not confirmed. Issue your own stablecoin: Stripe yes, Razorpay not confirmed. Checkout for AI agents: Stripe yes, Razorpay partly. Cards for AI agents: Stripe yes, Razorpay partly.

Who is Stripe designed for?

Online businesses that want one integration for checkout, subscriptions and marketplaces. Limitations: Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.

Who is Razorpay designed for?

Businesses registered in India that need local methods such as UPI and netbanking, and foreign businesses that want to sell to Indian customers without an Indian entity. Limitations: Full service is limited to India, Malaysia, Singapore and the US, and products differ sharply by market; most platform and banking features are India-only.