Head-to-Head Specification Audit
Razorpay vs Flutterwave
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Flutterwave |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | India | Africa |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | NDPA, PCI-DSS |
| Hosting Regions | IN-Mumbai, IN-Bangalore | AF-West, AF-East, AF-South |
| Native Integrations | 6 listedTie | 6 listedTie |
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
Flutterwave — Key Specs
Vendor-stated- ✓Largest pan-African payment gateway — 35+ African markets
- ✓SWIFT, SEPA, local mobile money (M-Pesa, MTN MoMo, Airtel), cards
- ✓PCI DSS Level 1 certified
- ✓Storefront, invoicing, and recurring billing included
Frequently Asked Questions
Which is lower-priced, Razorpay or Flutterwave?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Razorpay and Flutterwave list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Flutterwave additionally lists NDPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Flutterwave?+
Razorpay has a higher documented API rate limit at 300 req/min versus Flutterwave at 200 req/min.
Which data hosting regions do Razorpay and Flutterwave support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Flutterwave lists hosting regions: AF-West, AF-East, AF-South. 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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