Razorpay vs Unit
Razorpay confirms 7 of the features we check on its own site; Unit confirms 3. Starting prices: Razorpay not published, Unit Quote only.
Razorpay
Businesses selling in India that need payments, banking and payroll in one suite.
Watch out: Focused on India (UPI, RuPay, INR).
Unit
Software companies that want to embed accounts, cards, money movement and lending inside their own product.
Watch out: No public pricing; access is through sales and demos, and the money-movement rails cited are US-centric (ACH, wire, check).
| Overview & pricing | ||
|---|---|---|
| Category | Payments & Fintech | Payments & Fintech |
| Specialty | Payments platform | Embedded finance infrastructure |
| Based in | 🇮🇳 India | 🇺🇸 United States |
| Best for | All sizes | All sizes |
| Starting price | Unconfirmed | Quote only |
| Free plan | Unconfirmed | Unconfirmed |
| Free trial | Unconfirmed | Unconfirmed |
| Features confirmed on each vendor’s site | ||
| Card payments · Core features | ✓Accepts cards, netbanking, UPI; 100+ payment methods | Unconfirmed |
| Payment links · Core features | ✓Payment Links: create and send links to collect money | Unconfirmed |
| Physical terminal · Core features | ✓Razorpay POS for in-store payments | Unconfirmed |
| Recurring billing · Core features | ✓Subscriptions: collect recurring payments | Unconfirmed |
| Payouts / dispersion · Core features | ✓Payouts: 24x7 instant automated payouts | Unconfirmed |
| Corporate cards · Core features | ✓Corporate Cards listed in banking suite | Unconfirmed |
| Credit / financing · Core features | Unconfirmed | ✓Capital: lines of credit, invoice factoring and credit cards |
| Public API · Platform | ✓Robust, easy-to-use APIs | Unconfirmed |
| SOC 2 · Security & compliance | Unconfirmed | ✓Certified SOC 2 Type II |
| PCI DSS · Security & compliance | Unconfirmed | ✓PCI DSS Level 1 compliant |
| Integrations | ||
| Listed on its site | Unconfirmed | 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.