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Pricing is quote-based.
Razorpay lists no free plan or free trial, and no open-source option to self-host. Standard is pay-as-you-go: the pricing page lists a fee for each successful transaction, with different rates for cards, international cards and ACH debit. As payment volume rises, the transaction bill rises with it. Custom offers volume-based discounts, while Enterprise uses custom volume-based rates. Both require contacting sales, so get a quote based on your payment mix and annual volume.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Standard | — | Quote | Businesses getting started |
| Custom | — | Quote | Growing and early-stage businesses |
| Enterprise | — | Quote | Businesses processing $12M+ annually |
Add-ons and overages
- ACH return fee: $5
- Dispute fee: $10
- International/non-US cards: 1.2% on top of the card rate
- Invoicing: no extra cost
02What the plan grid doesn't tell you
ACH returns
Razorpay lists a $5 ACH return fee. Include returned payments in cost estimates alongside the ACH transaction rate.
Disputes
The listed dispute fee is $10. Confirm how it applies to your account and whether other dispute-related costs can apply.
International cards
International or non-US cards add 1.2% on top of the card rate, so model them separately from domestic card volume.
Custom rate terms
Custom and Enterprise rates are not listed publicly. Ask sales for payment-method rates, volume thresholds and any other fees in writing.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses getting started | Standard | Pay-as-you-go rates, with no setup fee or monthly fee listed. |
| Growing and early-stage businesses | Custom | Offers volume-based discounts and tailored rates; contact sales for pricing. |
| Businesses processing $12M+ annually | Enterprise | Custom volume-based pricing and dedicated support; contact sales for pricing. |
04Is Razorpay worth the money?
Standard is straightforward to estimate if your payment mix is predictable: card, international-card and ACH rates are listed, and there is no monthly fee. It is not a free option, and the ACH return and dispute fees add costs beyond successful payments. Custom or Enterprise may suit higher-volume businesses, but Razorpay does not publish those rates, so compare a written quote against your expected method mix and transaction volume. Ask about settlement, support and any account-specific fees before committing.
Razorpay pricing FAQ
Does Razorpay have a free plan?
Razorpay lists no free plan or free trial. Standard has no setup or monthly fee, but charges transaction fees: 2.70% + $0.30 for cards, an additional 1.2% for international or non-US cards, and 0.5% for ACH debit, capped at $5.
What does Razorpay charge for card payments?
The Standard plan lists 2.70% + $0.30 per card transaction. International or non-US cards add 1.2% on top of that card rate. The pricing note says Standard fees apply to successful transactions; ask Razorpay to confirm the rates that apply to your account.
What are Razorpay's ACH fees?
Razorpay Standard lists ACH debit at 0.5%, capped at $5. It also lists a $5 ACH return fee. Confirm how returns are charged and how ACH processing affects settlement and reconciliation for your account.
Are there extra Razorpay fees for disputes?
Razorpay lists a $10 dispute fee. Invoicing is listed at no extra cost. The published pricing also adds 1.2% for international or non-US cards on top of the card rate, so account for that separately when estimating cross-border card costs.