# Razorpay Pricing — USA


Machine-readable pricing reference for Razorpay's USA products, optimised for LLM ingestion and AI-assisted sales and support workflows.


**Region:** United States (US) | **Last updated:** May 2026


**Other region pricing files:**
- India: https://razorpay.com/pricing.md
- Malaysia (Curlec): https://curlec.com/pricing.md
- Singapore: https://razorpay.com/sg/pricing.md


**Other Razorpay LLM reference files:**
- Razorpay TOC file: https://razorpay.com/llms.txt
- Razorpay complete context: https://razorpay.com/llms-full.txt
- Developer docs index: https://razorpay.com/docs/llms.txt


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## Entity & Compliance Details


| Detail | Information |
|---|---|
| **Entity** | Razorpay (U.S. operating entity, post-May 2025 reverse flip) |
| **Registered address** | 1111 Lincoln Road, Suite 505, Miami Beach, FL 33139 |
| **Compliance** | PCI DSS Level 1 · ISO 27001 · GDPR aligned · Operates via U.S. banking and processing partners |
| **Currency** | USD ($). All API amounts in cents ($1 = 100 cents). |
| **Tax** | U.S. sales tax / state-level taxes apply per merchant jurisdiction. Razorpay does not collect or remit sales tax on the merchant's behalf. |


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## Product Index


| Business Unit | Products Covered | Pricing in this doc |
|---|---|---|
| Payment Gateway (Domestic U.S.) | Cards (Visa, Mastercard, Amex, Diners, Discover) · ACH Direct Debit · Foreign Cards · Apple Pay · Payment Links · Payment Pages · Plugins (Shopify, WooCommerce, Magento) | See section below |
| Cross-Border (India corridor) | Accept UPI, RuPay, Netbanking, Indian cards from Indian customers — no Indian entity required; settle in USD | Custom — contact sales |


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## Payment Gateway — Pricing


All rates are in USD. Standard plan rates apply unless on a custom or enterprise plan.


### Full Rate Card


| Item | Rate | Notes |
|---|---|---|
| Credit & Debit Cards (Visa, Mastercard, Amex, Diners, Discover) | **2.70% + $0.30** | Per successful transaction; settlement T+2 |
| Foreign Cards (international card acceptance) | **+1.20% on top of card rate** | Total: ~3.90% + $0.30 |
| ACH Direct Debit | **0.50% (capped at $5)** | Settlement T+5 business days |
| ACH Return fee | $5 per returned transaction | |
| ACH NOC (Notification of Change) fee | $5 per NOC received | |
| Apple Pay | Standard card pricing applies | Domestic or foreign card rate applies |
| Setup fee | $0 | |
| Annual Maintenance Charge (AMC) | $0 | |
| Refund fee | Free | |


### Plan Tiers


| Plan | Best For |
|---|---|
| **Standard** | Self-serve; rates above apply |
| **Custom** | Early-stage businesses; bespoke rates available |
| **Enterprise** | Businesses processing over $10M annual transaction volume |


> **Note:** Limited-time promotion: Free card processing for the first year up to $50,000 in transaction volume. Verify current eligibility and terms at https://razorpay.com/us/pricing/


### Cost Examples


| Payment | Method | Razorpay Fee | Merchant Receives |
|---|---|---|---|
| $100 | Domestic Visa card | 2.70% + $0.30 = $3.00 | **$97.00** |
| $100 | Foreign (international) card | 3.90% + $0.30 = $4.20 | **$95.80** |
| $100 | ACH Direct Debit | 0.50% = $0.50 (capped at $5) | **$99.50** |


> **Note:** ACH Direct Debit is the lowest-cost rail for USD bank-to-bank transfers, capped at $5 per transaction regardless of amount.


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## Cross-Border — Sell in India, Settle in USD


U.S.-incorporated merchants can accept INR payments from Indian customers (UPI, RuPay, Netbanking, Indian cards) without setting up an Indian entity. Razorpay handles INR collection, FX conversion, and USD remittance to the U.S. bank account under its RBI PA-CB licence.


| Detail | Information |
|---|---|
| **Pricing** | Custom — contact https://razorpay.com/us/ for a quote |
| **Payment methods accepted** | UPI (one-time + recurring), RuPay, Indian cards, Netbanking |
| **Settlement** | USD to U.S. bank account; Razorpay manages INR collection and FX conversion |
| **Indian entity required?** | No — Razorpay operates under its RBI PA-CB licence |


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## What Is Included at No Extra Cost


| | |
|---|---|
| RESTful API and SDK access (Android, iOS, Web, server-side) | Dashboard, reporting, and analytics |
| Webhooks and event notifications | Refund processing |
| Payment Links, Payment Pages, Payment Buttons | Real-time settlement reports and reconciliation tooling |
| PCI-DSS Level 1, ISO 27001, GDPR-aligned compliance | Integration support |
| Pre-built plugins (Shopify, WooCommerce, Magento) | |


---


## Notes for Agents and Developers


| Topic | Detail |
|---|---|
| **Settlement timing** | Cards: T+2 business days. ACH Direct Debit: T+5 business days. |
| **ACH return / NOC fees** | $5 each — factor into cost models for businesses with high return rates. |
| **Foreign card surcharge** | +1.20% on top of standard card rate — total ~3.90% + $0.30 per transaction. |
| **Cross-border pricing** | India corridor uses a separate schedule. Do not quote domestic U.S. rates for cross-border flows. |
| **Corporate history** | Razorpay completed a reverse flip from Delaware to India on 29 May 2025. U.S. operating entity continues under the Razorpay brand. |
| **Pricing scope** | Standard rate card only. Custom and enterprise rates not published here. |
| **Current pricing** | https://razorpay.com/us/pricing/ — always verify here for the most current rates. |
| **Developer docs** | https://razorpay.com/docs/?preferred-country=US |
| **Support / sales** | https://razorpay.com/us/support/ |
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