GoCardless vs Razorpay
GoCardless confirms 3 of the features we check on its own site; Razorpay confirms 7.
GoCardless
Businesses collecting recurring payments by direct debit or pay by bank.
Razorpay
Businesses selling in India that need payments, banking and payroll in one suite.
Watch out: Focused on India (UPI, RuPay, INR).
| Overview & pricing | ||
|---|---|---|
| Category | Payments & Fintech | Payments & Fintech |
| Specialty | Recurring payments | Payments platform |
| Based in | 🇬🇧 United Kingdom | 🇮🇳 India |
| Best for | All sizes | All sizes |
| Starting price | Unconfirmed | Unconfirmed |
| Free plan | Unconfirmed | Unconfirmed |
| Free trial | Unconfirmed | Unconfirmed |
| Features confirmed on each vendor’s site | ||
| Card payments · Core features | Unconfirmed | ✓Accepts cards, netbanking, UPI; 100+ payment methods |
| Payment links · Core features | Unconfirmed | ✓Payment Links: create and send links to collect money |
| Physical terminal · Core features | Unconfirmed | ✓Razorpay POS for in-store payments |
| Recurring billing · Core features | ✓Automate subscriptions and instalments | ✓Subscriptions: collect recurring payments |
| Payouts / dispersion · Core features | ✓Outbound payments to partners or suppliers | ✓Payouts: 24x7 instant automated payouts |
| Corporate cards · Core features | Unconfirmed | ✓Corporate Cards listed in banking suite |
| Credit / financing · Core features | ◐Access capital through Pipe add-on | Unconfirmed |
| Fraud prevention · Core features | ◐Advanced fraud protection via Protect+ add-on | Unconfirmed |
| Public API · Platform | ✓API integrations for custom builds | ✓Robust, easy-to-use APIs |
| Integrations | ||
| Listed on its site | Xero, QuickBooks, Zuora | Unconfirmed |
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Every ✓ / ✕ comes from the vendor’s own website (sources on each product page). Unconfirmed means the site doesn’t say — not that the feature is missing.