Head-to-Head Specification Audit
Razorpay vs Clerk
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Clerk |
|---|---|---|
| Starting Price | $0/moBetter | $25/mo |
| API Rate Limit | 300 req/min | Not confirmed |
| Target Country | India | Global |
| Category | Payment Processing | Authentication & Identity |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | SOC2, GDPR, CCPA |
| Hosting Regions | IN-Mumbai, IN-Bangalore | US-East, EU-West |
| Native Integrations | 6 listed | 7 listedBetter |
Razorpay — Key Specs
Vendor-stated- ✓#1 payment gateway in India — 8M+ businesses use it
- ✓Supports UPI, NetBanking, Wallets, Cards, and EMI out of the box
- ✓Razorpay Capital offers working capital loans based on transaction history
- ✓RazorpayX business banking with INR-denominated accounts
Clerk — Key Specs
Vendor-stated- ✓Drop-in React components for sign-in, sign-up, and user profile — 15-minute integration
- ✓Multi-tenancy with Organizations built-in — no custom RBAC required for B2B SaaS
- ✓Passkey, WebAuthn, and magic link support included on all plans
- ✓Webhooks on every auth event for syncing users to Supabase, Stripe, or your database
Frequently Asked Questions
Which is lower-priced, Razorpay or Clerk?+
Razorpay starts at Free plan available, which is lower than Clerk at $25/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Razorpay and Clerk list?+
Razorpay additionally lists PCI-DSS, RBI Compliance. Clerk additionally lists SOC2, GDPR, CCPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Clerk?+
Available information does not support a direct comparison of API rate limits for these tools. Check each vendor's developer documentation.
Which data hosting regions do Razorpay and Clerk support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Clerk lists hosting regions: US-East, EU-West. For data residency requirements in India, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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