# GoCardless vs Razorpay Comparison

| | GoCardless | Razorpay | 
|---|---|---|
| **Star Rating** | 4.6 out of 5 | 4.2 out of 5 | 
| **Total Reviews** | 321 | 121 | 
| **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (63.2% of reviews) | 
| **Entry Level Price** | No pricing available | No pricing available | 

---
## Top Pros & Cons

### GoCardless

Pros:
- Convenience (8 reviews)
- Ease of Use (8 reviews)

Cons:
- Payment Issues (6 reviews)
- Slow Payments (5 reviews)

### Razorpay

Pros:
- Ease of Use (7 reviews)
- Easy Integrations (6 reviews)

Cons:
- Limited Features (3 reviews)
- Poor Customer Support (3 reviews)

---
## Ratings Comparison
| Rating | GoCardless | Razorpay | 
|---|---|---|
  | **Meets Requirements** | 9.1 (204 reviews) | 8.8 (90 reviews) | 
  | **Ease of Use** | 9.0 (203 reviews) | 8.9 (95 reviews) | 
  | **Ease of Setup** | 8.9 (153 reviews) | 9.0 (53 reviews) | 
  | **Ease of Admin** | 9.0 (140 reviews) | 8.8 (34 reviews) | 
  | **Quality of Support** | 8.5 (172 reviews) | 7.9 (88 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.2 (33 reviews) | 
  | **Product Direction (% positive)** | 8.7 (187 reviews) | 8.4 (87 reviews) | 

---
## Pricing

### GoCardless

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Razorpay

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | 8.8/10 | 74 |
| **Razorpay** | 8.5/10 | 86 |

#### Payment Options

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | 7.9 (58 reviews) | 
| **Recurring Billing** | 9.2 (32 reviews) | 8.4 (56 reviews) | 
| **Instant Payment** | 8.5 (30 reviews) | 8.9 (63 reviews) | 
| **Accepted Credit Cards and Debit Cards** | Feature Not Available | 8.9 (67 reviews) | 
| **ACH Payments and eCheck Processing** | 7.8 (20 reviews) | 8.4 (44 reviews) | 
| **Split Payments** | Feature Not Available | 8.2 (48 reviews) | 
| **Real-Time Payments** | Feature Not Available | 8.9 (61 reviews) | 
| **Multi-Currency** | 7.7 (24 reviews) | 7.9 (47 reviews) | 
| **Online payment portal** | 8.2 (36 reviews) | 8.7 (61 reviews) | 

#### Administration

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Reporting/Dashboards** | 8.8 (36 reviews) | 8.9 (63 reviews) | 
| **User, Role, and Access Management** | 8.6 (33 reviews) | 8.6 (64 reviews) | 
| **Payout Time** | 7.4 (37 reviews) | 8.2 (62 reviews) | 
| **Manual Payment Entry** | 8.1 (25 reviews) | 8.2 (58 reviews) | 
| **Dispute Resolution** | Feature Not Available | 8.2 (60 reviews) | 
| **Omnichannel** | 7.3 (30 reviews) | 8.2 (52 reviews) | 
| **Levels 1 & 2** | Feature Not Available | 8.3 (51 reviews) | 
| **Level 3** | Feature Not Available | 8.3 (47 reviews) | 

#### Security

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **PCI Compliance** | Feature Not Available | 8.6 (35 reviews) | 
| **Fraud Protection Tools** | Feature Not Available | 8.9 (53 reviews) | 
| **Data Tokenization** | 9.2 (23 reviews) | 8.7 (53 reviews) | 
| **Two-Factor Authentication** | 9.6 (30 reviews) | 8.9 (60 reviews) | 
| **POS Verification** | Feature Not Available | 8.4 (45 reviews) | 

#### Development

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.5 (18 reviews) | 8.5 (58 reviews) | 
| **APIs** | 8.8 (20 reviews) | 8.7 (61 reviews) | 
| **Accounting Software Integration** | 8.7 (27 reviews) | 8.8 (51 reviews) | 
| **E-Commerce Software Integration** | 8.9 (22 reviews) | 8.8 (55 reviews) | 

#### Platform

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Performance and Reliability** | 9.1 (34 reviews) | 8.7 (60 reviews) | 
| **Internationalization - Currency/Language** | 9.1 (21 reviews) | 8.5 (47 reviews) | 
| **Internationalization - Operating Country** | 9.3 (22 reviews) | 8.4 (44 reviews) | 
| **API / Integrations** | 8.8 (20 reviews) | 8.7 (55 reviews) | 
| **PCI Regulation Compliance** | Feature Not Available | 8.6 (43 reviews) | 
| **Supplemental Technology** | Feature Not Available | 8.2 (44 reviews) | 
| **Accounting integration** | 9.1 (44 reviews) | 8.6 (48 reviews) | 
| **E-commerce Integration** | 8.4 (25 reviews) | 8.5 (49 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Subscription Revenue Management

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | 8.8/10 | 63 |
| **Razorpay** | N/A | N/A |

#### Billing and Payments

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Payment Terms** | 9.0 (43 reviews) | Not enough data | 
| **Personalized Billing** | 9.0 (45 reviews) | Not enough data | 
| **Custom Pricing** | Feature Not Available | Not enough data | 

#### Revenue Recognition

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Usage Tracking** | 8.9 (38 reviews) | Not enough data | 
| **Deferred Revenue** | 9.1 (23 reviews) | Not enough data | 
| **Revenue Accrual** | 8.8 (26 reviews) | Not enough data | 

#### Revenue Optimization

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **At-Risk Customers** | 8.8 (27 reviews) | Not enough data | 
| **Offer Optimization** | Feature Not Available | Not enough data | 
| **Customer Churn** | 8.5 (28 reviews) | Not enough data | 
| **Revenue Forecasting** | 8.6 (27 reviews) | Not enough data | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | 8.7/10 | 25 |
| **Razorpay** | N/A | N/A |

#### Payment Methods

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **ACH** | 7.9 (8 reviews) | Not enough data | 
| **Credit and Debit** | Feature Not Available | Not enough data | 
| **Wire Transfer** | Feature Not Available | Not enough data | 

#### Payment Processing 

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Batch Processing** | 8.6 (12 reviews) | Not enough data | 
| **Payments Scheduling** | 9.2 (20 reviews) | Not enough data | 
| **Automated Workflows** | 8.7 (14 reviews) | Not enough data | 
| **Self Service** | 8.2 (11 reviews) | Not enough data | 
| **Reconciliation** | 8.2 (13 reviews) | Not enough data | 
| **Settlements** | 8.2 (12 reviews) | Not enough data | 
| **Payment Tracking** | 9.1 (19 reviews) | Not enough data | 

#### Security and Compliance

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **PCI Compliant** | Feature Not Available | Not enough data | 
| **P2PE** | Feature Not Available | Not enough data | 
| **Fraud Management** | Feature Not Available | Not enough data | 
| **SSL Encryption** | 9.8 (14 reviews) | Not enough data | 
| **SOX** | Feature Not Available | Not enough data | 
| **SOC** | Feature Not Available | Not enough data | 

#### Integration

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Agnostic Integration** | 9.6 (9 reviews) | Not enough data | 
| **Reporting Consolidation** | 9.0 (12 reviews) | Not enough data | 
| **Plugins and APIs** | 8.6 (12 reviews) | Not enough data | 

#### Payment Types

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **AP Automation** | 8.3 (7 reviews) | Not enough data | 
| **E-Commerce** | Feature Not Available | Not enough data | 
| **Retail** | Feature Not Available | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | 9.2/10 | 29 |
| **Razorpay** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Email Notifications** | 9.1 (23 reviews) | Not enough data | 
| **Invoicing** | 9.0 (17 reviews) | Not enough data | 
| **Customer Portal** | Feature Not Available | Not enough data | 
| **Loyalty Management** | Feature Not Available | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Payment Gateway** | 9.2 (17 reviews) | Not enough data | 
| **Payment Tracking** | 9.3 (23 reviews) | Not enough data | 
| **E-commerce Integration** | Feature Not Available | Not enough data | 
| **Payment Scheduling** | 9.6 (26 reviews) | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | 8.3/10 | 117 |
| **Razorpay** | N/A | N/A |

#### Payment Processing

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Encryption** | 9.2 (74 reviews) | Not enough data | 
| **Credit Card Processing** | Feature Not Available | Not enough data | 
| **Mobile Payments** | Feature Not Available | Not enough data | 
| **Digital Wallet Integration** | Feature Not Available | Not enough data | 

#### Administration

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Reporting & Analytics** | 8.3 (70 reviews) | Not enough data | 
| **E-commerce Integration** | 8.4 (43 reviews) | Not enough data | 
| **Processing Fees** | 7.9 (90 reviews) | Not enough data | 
| **POS Integration** | Feature Not Available | Not enough data | 
| **Omnichannel** | 7.3 (30 reviews) | 8.2 (52 reviews) | 
| **Levels 1 & 2** | Feature Not Available | 8.3 (51 reviews) | 
| **Level 3** | Feature Not Available | 8.3 (47 reviews) | 

#### Payment Options

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Multi-Currency** | 7.7 (24 reviews) | 7.9 (47 reviews) | 
| **Online payment portal** | 8.2 (36 reviews) | 8.7 (61 reviews) | 

#### Security

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **POS Verification** | Feature Not Available | 8.4 (45 reviews) | 

#### Platform

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Accounting integration** | 9.1 (44 reviews) | 8.6 (48 reviews) | 
| **E-commerce Integration** | 8.4 (25 reviews) | 8.5 (49 reviews) | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **GoCardless** | N/A | N/A |
| **Razorpay** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | GoCardless | Razorpay | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to GoCardless (4):** [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Subscription Revenue Management Software](https://www.g2.com/categories/subscription-revenue-management)



---
## Reviewer Demographics

### By Company Size

| Segment | GoCardless | Razorpay | 
|---|---|---|
| **Small-Business** | 92.9% | 63.2% | 
| **Mid-Market** | 5.8% | 29.8% | 
| **Enterprise** | 1.3% | 7.0% | 

### By Industry

#### GoCardless

- **Accounting:** 13.6%
- **Marketing and Advertising:** 11.0%
- **Information Technology and Services:** 10.4%
- **Health, Wellness and Fitness:** 6.1%
- **Internet:** 5.2%
- **Computer Software:** 4.2%
- **Telecommunications:** 3.9%
- **Sports:** 2.9%
- **Design:** 2.3%
- **Non-Profit Organization Management:** 1.9%
- **Other:** 38.5%

#### Razorpay

- **Computer Software:** 13.4%
- **Information Technology and Services:** 10.7%
- **Marketing and Advertising:** 8.9%
- **Apparel & Fashion:** 6.3%
- **Education Management:** 6.3%
- **Retail:** 3.6%
- **E-Learning:** 3.6%
- **Financial Services:** 3.6%
- **Higher Education:** 3.6%
- **Accounting:** 2.7%
- **Other:** 37.5%

---
## Alternatives

### Alternatives to GoCardless

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (248 reviews)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4094 reviews)
- [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (978 reviews)

### Alternatives to Razorpay

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (281 reviews)
- [PayU](https://www.g2.com/products/payu/reviews) — 3.1/5 stars (25 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (248 reviews)
- [cashfree](https://www.g2.com/products/cashfree/reviews) — 4.5/5 stars (21 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews)
- [Zoho Checkout](https://www.g2.com/products/zoho-checkout/reviews) — 4.3/5 stars (11 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Apple Pay for merchants](https://www.g2.com/products/apple-pay-for-merchants/reviews) — 4.7/5 stars (138 reviews)
- [Authorize.net](https://www.g2.com/products/authorize-net/reviews) — 4.2/5 stars (219 reviews)

---
## Top Discussions

### GoCardless

- Title: [Is there any other type of payments being accepted?](https://www.g2.com/discussions/31022-is-there-any-other-type-of-payments-being-accepted) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "We're building the best way to collect recurring payments. As a result, we are optimising for the payment method that is best suited for recurring revenue..."
- Title: [I recommend any organization wishing to use automatic payments to use GoCardless because it meets the most requirements with advantageous pricin ?](https://www.g2.com/discussions/i-recommend-any-organization-wishing-to-use-automatic-payments-to-use-gocardless-because-it-meets-the-most-requirements-with-advantageous-pricin) — 1 comment, 1 upvote
  > **Top comment:** "Very satisfactory and recommended. "
- Title: [What do I do about pending payments](https://www.g2.com/discussions/what-do-i-do-about-pending-payments) — 1 comment, 1 upvote
  > **Top comment:** "Wait for the to be settled, GoCardless will be able to assist you if you would like to any extra information or guidance to maybe speed up the process of the..."
- Title: [A-When will we be able to choose the moment when the transfer is made, i.e., choose to receive the funds on a predictable date? B-The display during registration should first offer to fill in information for a company. Currently, you have to click a button first for the information entry for companies to appear. However, SEPA direct debit is mostly for companies, not for individuals.](https://www.g2.com/discussions/37749-a-quand-pourra-t-on-choisir-le-moment-ou-le-virement-se-fait-cad-choisir-de-recevoir-les-fonds-a-une-date-previsible-b-il-faudrait-que-l-affichage-lors-de-l-inscription-propose-en-premier-de-remplir-des-infos-pour-une-entreprise-actuellement-il-faut) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Hello, we thank you for your comment. A - By logging into your merchant account, you can choose the debit date for each payment made using GoCardless. The..."
- Title: [Will it be possible one day to have invoices automatically generated for my clients (1 invoice per payment plan)?](https://www.g2.com/discussions/37284-sera-t-il-possible-un-jour-d-avoir-des-factures-editees-automatiquement-pour-mes-clients-1-facture-par-plan-de-paiement) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Hello. Our solutions do not generate invoices for end customers, but we have partner billing software that can assist you with this. You can view our list of..."

### Razorpay

- Title: [How does razor pay work?](https://www.g2.com/discussions/how-does-razor-pay-work) — 2 comments
  > **Top comment:** "It works fabulous!"
- Title: [What is your primary use case for Razorpay, and how has it impacted your payment processing operations?](https://www.g2.com/discussions/what-is-your-primary-use-case-for-razorpay-and-how-has-it-impacted-your-payment-processing-operations) — 1 comment, 1 upvote
  > **Top comment:** "Very beneficial, all type of financial possibilities available here like: payment link, payment page, trust badge, emi option etc"
- Title: [Does Razorpay meets the international cyber security standards?](https://www.g2.com/discussions/does-razorpay-meets-the-international-cyber-security-standards) — 1 comment, 1 upvote
  > **Top comment:** "Razorpay customer care number 09121700785 Razorpay customer carenumber 09121700785"

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gocardless-vs-razorpay)