Razorpay

What is Razorpay and what do they do?

Razorpay is a leading full-stack financial technology company based in India, offering a unified suite of online payment, banking, and lending solutions for businesses of all sizes. Founded in 2014 by Harshil Mathur and Shashank Kumar, Razorpay was created to simplify and modernise financial operations for Indian businesses, bridging the gap between traditional banking and digital commerce.

The company’s ecosystem spans the full payment and financial lifecycle. Its flagship Payment Gateway supports credit and debit cards, UPI, net banking, EMI, wallets, and international cards. Merchants can also use payment links, QR codes, and checkout pages to collect payments across online and offline channels. Beyond payment acceptance, Razorpay has expanded into banking and credit services through:

• RazorpayX – a neobanking platform for payroll automation, vendor management, corporate cards, and instant payouts.
• Razorpay Capital – financing solutions offering collateral-free business loans and working capital based on transaction performance.
• POS systems – in-store payment devices enabling omnichannel payment experiences following the acquisition of Ezetap.
• Automation tools – subscription billing, invoicing, and accounting integrations with platforms like Tally and Zoho Books.

Razorpay also provides international payment support, allowing businesses to process transactions from global customers and settle in multiple currencies. This makes it one of the few Indian fintech companies delivering both domestic and cross-border payment solutions within one ecosystem.

Who is it for?

Razorpay serves startups, SMEs, freelancers, and large enterprises across India and select international markets. It’s particularly valuable for businesses seeking to digitise their financial operations, unify multiple payment channels, and access working capital.

Industries that rely heavily on Razorpay include e-commerce, SaaS, education, travel, healthcare, and food delivery, as well as emerging fintech platforms and marketplaces. With features supporting both online and offline payments, it suits merchants that require flexibility in managing transactions and cash flow.

Why do businesses choose Razorpay?

Businesses choose Razorpay for its comprehensive financial ecosystem, strong innovation track record, and ease of integration. Verified strengths include:

• All-in-one platform – Combines payments, banking, and lending, removing the need for multiple providers.
• Ease of integration – Developer-friendly APIs, SDKs, and webhooks ensure smooth setup across platforms.
• Wide payment coverage – Accepts all major Indian and international methods, including cards, UPI, EMI, and wallets.
• Real-time insights – Detailed dashboards and analytics help monitor revenue, settlements, and cash flow.
• Customisable checkout – Merchants can tailor the payment experience to match their brand and UX needs.
• Security and compliance – PCI DSS-certified infrastructure with AI-driven fraud detection, tokenisation, and encryption.
• Access to credit and automation – Businesses can automate payroll, manage payouts, and access short-term loans through RazorpayX and Capital.

Businesses using Corefy can simply obtain a MID from Razorpay and connect it to Corefy’s dashboard in a few clicks, without dealing with any integration work.

Is Razorpay trustworthy?

Razorpay is widely recognised as one of India’s most reliable and compliant fintech companies. It is PCI DSS-certified and employs advanced tokenisation, encryption, and AI-based fraud detection to protect transactions. The company works closely with Indian regulators and partner banks to ensure data security and adherence to financial compliance requirements.

Backed by leading global investors and trusted by millions of merchants, Razorpay has established itself as a benchmark for innovation and trust in the Indian payments ecosystem. Its commitment to transparency, security, and continuous product evolution reinforces its standing as a dependable partner for businesses managing digital payments and financial operations.