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9 Best Free Razorpay Alternatives in 2026

Explore 9 alternatives to Razorpay — vetted by our editors with real user reviews, pricing, and feature comparisons.

Top free Razorpay alternatives, compared at a glance

Quick answer

The Razorpay alternatives buyers shortlist most are Paytm Payment Gateway, Instamojo and Cashfree Payments. Paytm Payment Gateway ranks first with a SpotScore of 8.9 and a 4.89★ rating. Compare all 9 on score, rating, and pricing below.

Ready to move on from Razorpay? These 9 payment gateway software free alternatives are the picks worth testing first. Our ranking leans on SpotScore, which weighs verified satisfaction against market presence, then star ratings and pricing model. Editors check each tool. Start with the table for a fast read, then go section by section below.

ProductSpotScoreRatingPricingBest for
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.8.9★★★★★ 4.89(132)Quotation Basedteams of all sizes
InstamojoSecure and seamless online payments made easy.8.6★☆☆☆☆ 1.43(14)FreeFreemium · Subscription · Quotation Basedteams of all sizes
Cashfree PaymentsSimple. Secure. Swift. Your ultimate financial solution.8.6★★★★★ 4.5(4)Quotation Basedteams of all sizes
PayKunEffortless payment solutions for your business.8.5★★★★★ 5(2)Quotation Basedteams of all sizes
UniPay GatewayThe key to seamless online payments.8.5★★★★★ 4.5(2)Quotation Basedsmall & mid-size businesses
AirpayEffortless and secure online payments made simple.8.4★★★★☆ 4Quotation Basedmid-size & enterprise teams
Stripe ConnectStreamline your online payments with Stripe Connect.8.3Not yet ratedQuotation Based · Subscriptionteams of all sizes
Stripe PaymentsSeamless payments, anytime, anywhere.—★★★★★ 4.69(243)Quotation Basedteams of all sizes
PayUSecurely accept payments with ease.—★☆☆☆☆ 1.47(57)Quotation Basedteams of all sizes

8.9

SpotScore

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.9

132 verified reviews

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What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

Read more about Paytm Payment Gateway

Paytm Payment Gateway offers custom pricing plan

8.6

SpotScore

Instamojo - Payment Gateway Software

Instamojo

Secure and seamless online payments made easy.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

1.4

14 verified reviews

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What is Instamojo?

Instamojo is a payment gateway for Indian small businesses and solopreneurs that need to accept credit cards, debit cards, and UPI payments online with minimal setup. The platform charges 2% plus Rs 3 per transaction, but prospective users should evaluate its customer support track record — ...

Read more about Instamojo

Instamojo offers custom pricing plan

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8.6

SpotScore

Cashfree Payments - Payment Gateway Software

Cashfree Payments

Simple. Secure. Swift. Your ultimate financial solution.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

4 verified reviews

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What is Cashfree Payments?

Cashfree Payments is a payment gateway for Indian businesses that handles both payment collection and disbursement. It supports recurring subscriptions, bank account verification, and payouts to bank accounts, PayTM wallets, or UPI addresses, with domestic and international funds settling ...

Read more about Cashfree Payments

Cashfree Payments offers custom pricing plan

8.5

SpotScore

PayKun - Payment Gateway Software

PayKun

Effortless payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

5.0

2 verified reviews

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What is PayKun?

PayKun is a payment gateway for Indian businesses with existing websites or shopping carts that need a stable, integrable payment module with features like IPN messaging and an API platform for connecting external applications. It has limited international currency support, making it best ...

Read more about PayKun

PayKun offers custom pricing plan

8.5

SpotScore

UniPay Gateway - Payment Gateway Software

UniPay Gateway

The key to seamless online payments.

Best for: SMB teams · Mid-market

Get Pricing Details

4.5

2 verified reviews

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What is UniPay Gateway?

UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...

Read more about UniPay Gateway

UniPay Gateway offers custom pricing plan

8.4

SpotScore

Airpay - Payment Gateway Software

Airpay

Effortless and secure online payments made simple.

Best for: Mid-market · Enterprise

Get Pricing Details

4.0

Add to compare

What is Airpay?

Airpay is cloud-based payment gateway software, which allows you to accept online payments on websites, mobile applications and kiosks. It can be setup in minutes with minimal effort and is pre-integrated with the most popular ecommerce platforms available today. It can accept payments from any ...

Read more about Airpay

Airpay offers custom pricing plan

8.3

SpotScore

Stripe Connect - Payment Gateway Software

Stripe Connect

Streamline your online payments with Stripe Connect.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Stripe Connect?

Stripe Connect is a payment platform layer used by software companies and marketplaces that need to route payments between buyers and sellers — such as gig economy apps, SaaS billing platforms, and on-demand marketplaces. It handles fund disbursement to third-party accounts, platform fee ...

Read more about Stripe Connect

Stripe Connect offers custom pricing plan

Stripe Payments - Payment Processing Software

Stripe Payments

Seamless payments, anytime, anywhere.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.7

243 verified reviews

Add to compare

What is Stripe Payments?

Stripe Payments is the most powerful and flexible way to accept payments on the web. It is a simple way to accept credit cards on your website, in your mobile app, or wherever payments are made.  In addition to accepting payments online, Stripe provides you with all the tools you need to ...

Read more about Stripe Payments

Stripe Payments offers custom pricing plan

PayU - Payment Processing Software

PayU

Securely accept payments with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

1.5

57 verified reviews

Add to compare

What is PayU?

PayU is an online payment processing platform used by e-commerce merchants and online businesses in emerging markets — particularly India, Eastern Europe, and Latin America — to accept credit and debit card payments from customers. It provides a payment gateway and merchant account in a single ...

Read more about PayU

PayU offers custom pricing plan

Why these Razorpay alternatives stand out

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Instamojo8.6Best for teams of all sizes

Quick response time from the team, enabling fast payment collections and payouts within 72 hours.

Watch for: Unresponsive customer support team with lengthy wait times and lack of proper assistance.

Cashfree Payments8.6Best for teams of all sizes

Seamless payment integration

Watch for: Limited to Indian businesses

PayKun8.5Best for teams of all sizes

Easy integration

Watch for: Limited international support

UniPay Gateway8.5Best for small & mid-size businesses

Automates e-commerce transactions

Watch for: Limited payment method options

Airpay8.4Best for mid-size & enterprise teams

Cloud-based solution

Watch for: Limited customization options

Stripe Connect8.3Best for teams of all sizes

Quick setup

Watch for: Limited customer support

Stripe PaymentsBest for teams of all sizes

Flexible payment options

Watch for: Fees can add up

PayUBest for teams of all sizes

Easy to use

Watch for: Limited international support

Why teams look for a Razorpay alternative

A few recurring complaints tend to drive the move off Razorpay:

  • Challenges with customer support response times, leading to delays in issue resolution and potential dissatisfaction.
  • Complexity in understanding the pricing structure, especially for businesses with specialized needs, and limited clarity on terms and conditions for payment modes.
  • Delay in activating certain features, such as postpaid wallets, which may hinder immediate implementation of specific payment options.
  • Limited support for international cards directly, requiring alternative methods like PayPal for processing international payments.

What a good Razorpay alternative should have

Stacked against each other, the 9 free alternatives compare this way: 1 offers a free tier; and PayKun is the highest rated at 5★ across 2 reviews.

Our ranking criteria.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Razorpay are PayKun (5.0★), Paytm Payment Gateway (4.9★), Stripe Payments (4.7★). Compare all 9 alternatives side-by-side above.

When evaluating alternatives to Razorpay, prioritize: Invoice Payment, PoS Transactions, Multiple Currency Processing, Recurring Billing, Website Payments, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Razorpay is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Razorpay alternative should make your shortlist?

  • On a budget / just exploring: start with a free tier — Instamojo let you evaluate without paying upfront.
  • If real-user ratings matter most: PayKun has the strongest star rating (5★) among the options with verified reviews.
  • Want the safest pick: Paytm Payment Gateway has the highest Spotsaas Score (8.9) in this list — a strong default if you're unsure.

How to leave Razorpay behind

Switching away from Razorpay is safest in stages. Export your data, verify the new tool can import it, and confirm the features you depend on. Run a pilot first, then migrate fully, keeping Razorpay running until you've validated the fit. Free trials above help.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].