Agentifact assessment — independently scored, not sponsored. Last verified Mar 6, 2026.

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Razorpay

India-dominant payment REST API supporting UPI, Netbanking, cards, and wallets; flat 2% fee with full SDK coverage

Visit RazorpayVerified · March 6, 2026

✓ Our Verdict

Viable option — review the tradeoffs

Use Case

You need to accept payments from Indian customers across multiple payment methods (UPI, cards, netbanking, wallets) without building payment infrastructure yourself.

SolutionRazorpay provides a fully RESTful API with comprehensive SDK coverage that handles payment capture, retrieval, refunds, and settlement. The Route API enables vendor payouts and fund transfers for marketplace models.

SetupGenerate API keys in Test and Live modes, integrate via REST endpoints (base URL: https://api.razorpay.com/v1), and authenticate requests. Full SDK support across web and mobile platforms reduces implementation friction.

Straightforward REST integration with JSON responses. Payment objects include full transaction state (amount, currency, method, card details, status). Pagination via count/skip parameters handles large datasets. Flat 2% fee structure is predictable. India-first optimization means excellent UPI/Netbanking support but limited international payment method coverage.

Composite score of 78/100 reflects strong domestic payment coverage and API maturity, offset by geographic concentration.

Use Case

You're building a marketplace or multi-vendor platform and need to split payments between your account and vendor accounts automatically.

SolutionRazorpay Route API enables linked account creation, stakeholder management, and automated fund transfers from orders or payments to vendor accounts. Supports direct transfers, transfer reversals, and settlement hold modifications.

SetupCreate linked accounts for each vendor, configure product settings, then use Create Transfers endpoints (POST /transfers/orders or /transfers/payments). Requires vendor onboarding workflow.

Transfers execute after payment capture. Settlement holds can be modified per transfer. Reversals are supported for refund scenarios. API is well-documented but marketplace setup adds operational complexity beyond basic payment acceptance.

Route API is a differentiator for India-focused marketplaces; less mature than core Payments API.

Use Case

You need to integrate Razorpay into a data pipeline or ETL workflow without custom API code.

SolutionNexla's Razorpay connector enables no-code API integration as source or destination, with visual composition, intelligent batching, request optimization, and API proxy capabilities for secure data exposure.

SetupConnect via Nexla platform; automatic data product creation. No coding required.

Abstracts REST complexity. Batching and caching reduce API call volume and costs. Best for data sync and reporting workflows, not real-time payment processing.

Relevant for builders avoiding direct API code; adds abstraction layer.

Limitation — major

Geographic concentration on India

Razorpay is India-dominant with optimized support for UPI, Netbanking, and local wallets. International payment method coverage is limited, making it unsuitable as a primary gateway for global payment acceptance.

Caution

API versioning inconsistency

Most Razorpay APIs use gateway URL https://api.razorpay.com/v1, but certain endpoints are on V2 with different gateway URLs. Builders must verify endpoint documentation to use correct base URL, or requests will fail with routing errors.

Trust Breakdown

78

Trust scoreSolid

AGENT

Autonomous workflow delegation

TRUST

Transparency & verification

INTEROP

Protocol compatibility breadth

SECURITY

Security controls & audit trail

DOCS

Documentation completeness

How these scores are calculated →

What It Actually Does

In Plain English

Razorpay lets businesses accept online payments from customers via UPI, cards, netbanking, and wallets, mainly in India. It handles secure processing, fraud checks, and fund transfers with a flat 2% fee on successful transactions.[1][3][7]

India-dominant payment REST API supporting UPI, Netbanking, cards, and wallets; flat 2% fee with full SDK coverage.

Fit Assessment

Best for

✓payment-processing
✓payouts

Not ideal for

✗Approval Workflow not available in Test mode
✗Payouts in pending/queued state auto-cancelled after 3 months

Known Failure Modes

Approval Workflow not available in Test mode
Payouts in pending/queued state auto-cancelled after 3 months

78

Razorpay

Solid · 78/100

Visit Razorpay

Score Breakdown

AGENT

Autonomous workflow delegation

TRUST

Transparency & verification

INTEROP

Protocol compatibility breadth

SECURITY

Security controls & audit trail

DOCS

Documentation completeness

Protocol Support

MCP—

A2A—

A2H—

REST API✓

Agent-callable—

Capabilities

Transaction capable✓

ACP support—

Audit trace—

Governance

rate-limiting
permission-scoping

Pricing

Paid

Transaction-based fees

Workflow Fit

payment-processingpayouts

Related Concepts

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