Head-to-Head Specification Audit
Razorpay vs Peach Payments
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Peach Payments |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 300 req/minBetter | 100 req/min |
| Target Country | India | South Africa |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | PCI-DSS, RBI Compliance | PCI-DSS, POPIA |
| Hosting Regions | IN-Mumbai, IN-Bangalore | AF-South |
| Native Integrations | 6 listedBetter | 5 listed |
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
Peach Payments — Key Specs
Vendor-stated- ✓Leading South African payment gateway for e-commerce
- ✓All SA payment methods: Visa/MC, Ozow EFT, Capitec Pay, SnapScan, Zapper
- ✓Lists POPIA compliance framework — ZA data residency (vendor-stated)
- ✓PCI DSS Level 1 certified
Frequently Asked Questions
Which is lower-priced, Razorpay or Peach Payments?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Razorpay and Peach Payments list?+
Both list PCI-DSS in their vendor documentation. Razorpay additionally lists RBI Compliance. Peach Payments additionally lists POPIA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Razorpay or Peach Payments list POPIA as a supported compliance framework?+
Peach Payments lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Razorpay does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Razorpay or Peach Payments?+
Razorpay has a higher documented API rate limit at 300 req/min versus Peach Payments at 100 req/min.
Which data hosting regions do Razorpay and Peach Payments support?+
Razorpay lists hosting regions: IN-Mumbai, IN-Bangalore. Peach Payments lists hosting regions: 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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