Head-to-Head Specification Audit
Razorpay vs Okta
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Okta |
|---|---|---|
| Starting Price | $0/moBetter | $2/mo |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | India | Global |
| Category | Payment Processing | Authentication & Identity |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | GDPR, SOC2, ISO27001, HIPAA, FedRAMP, CCPA |
| Hosting Regions | IN-Mumbai, IN-Bangalore | US-East, EU-West, AP-Southeast, AU-East |
| 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
Okta — Key Specs
Vendor-stated- ✓Universal directory manages identities across all apps from a single control plane
- ✓Lifecycle management automates user provisioning and deprovisioning via SCIM
- ✓Adaptive MFA applies contextual risk scoring to each login without user friction
- ✓Workforce Identity and Customer Identity both on one platform — single contract
Frequently Asked Questions
Which is lower-priced, Razorpay or Okta?+
Razorpay starts at Free plan available, which is lower than Okta at $2/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Razorpay and Okta list?+
Razorpay additionally lists PCI-DSS, RBI Compliance. Okta additionally lists GDPR, SOC2, ISO27001, HIPAA, FedRAMP, CCPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Razorpay or Okta?+
Razorpay has a higher documented API rate limit at 300 req/min versus Okta at 200 req/min.
Which data hosting regions do Razorpay and Okta support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Okta lists hosting regions: US-East, EU-West, AP-Southeast, AU-East. 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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