PAYMENT PLATFORM COMPARISON
OurPay and Razorpay. Start with the payment flow.
A payment platform has to fit the way your customers buy and the way you run the business. Compare the whole sale: checkout, confirmation, renewals, refunds and settlement.
Published by OurPay · Reviewed
This is OurPay’s comparison, based on the product documentation linked below. Availability and account eligibility can change; confirm the requirements for your business with each provider.
UPI and domestic payments
Razorpay
Razorpay offers a payment gateway with UPI and other payment methods.
Razorpay Payment Gateway ↗OurPay
OurPay supports direct INR collections through your bank-issued UPI ID or receiving bank account. Checkout shows the instructions, and you confirm the receipt in Collections. Choose this flow when your team can verify incoming bank receipts; do not assume gateway-style automatic confirmation.
OurPay domestic payments ↗A link you can send to a customer
Razorpay
Razorpay Payment Links support sharing a payment request without building a checkout integration. Its product page also lists partial payments and bulk link creation.
Razorpay Payment Links ↗OurPay
OurPay Checkout Links are reusable URLs tied to your products. Each visit creates a fresh Checkout Session. Offer one product or let the customer choose between several; each order contains one product. Preset discounts and metadata can carry context into the resulting order.
OurPay Checkout Links ↗Subscriptions and payment permission
Razorpay
Razorpay documents subscription plans, scheduled charges and support for cards, UPI AutoPay and eMandate, subject to its supported methods and setup requirements.
Razorpay subscription documentation ↗OurPay
OurPay connects recurring prices, customer subscriptions, usage and product benefits. Renewals require a supported saved payment method and customer approval. OurPay’s direct UPI collection is a one-time payment flow; it is not UPI AutoPay. If UPI mandates are essential to your business, check that requirement before choosing.
OurPay subscriptions ↗Follow the money after checkout
For either platform, ask what happens between a customer paying and your business receiving funds. Check the settlement destination, timing, fees, refund treatment and any account review requirements. A successful checkout alone does not answer those questions.
With OurPay’s domestic collection flow, the customer sends INR directly to your account. International provider captures are tracked separately through Seller Payable. Automatic seller payouts are not currently available in the standard OurPay service. Agree settlement arrangements with the founders before accepting international payments.
OurPay’s current payout status ↗Razorpay’s settlement documentation ↗Compare the cost of your actual sales
Take a typical order value and the methods your customers use. Ask each provider for the applicable fees, including payment processing, currency conversion, refunds and settlement. A headline percentage cannot tell you the total for every payment method or account.
OurPay publishes its current plans and the items included in each plan. Read those alongside your account’s payment and settlement arrangements. Use a representative order to compare the total cost for your business.
OurPay pricing ↗Razorpay pricing ↗Try the flow your business needs
If you want hosted checkout connected to products, subscriptions, benefits and payment records, start with an OurPay product and Checkout Link. Open it as a customer and check the steps your team will handle after payment.
If your requirements include UPI AutoPay, partial payment requests or gateway confirmation without manually reviewing bank receipts, evaluate those specific capabilities with Razorpay and any other provider on your shortlist. Bring your requirements to the OurPay founders before moving an existing payment flow.
Explore payments in India with OurPay ↗Discuss your payment setup ↗