Getpaid vs Razorpay Route

Getpaid provides embedded payments and monetization for software platforms with their own merchant networks. Its flows include hosted checkout, multi-party split settlement, subscriptions, invoicing, wallet top-ups, and agent payments. A transaction can be divided atomically among a platform, merchants, sub-merchants, and other recipients. Fee rules may be percentage-based, fixed, tiered, blended, or mixed, and can vary by merchant, tier, end customer, or region. Hosted checkout is available now with white-label branding, custom copy, multiple languages, cards, bank payments, wallets, and local methods. The company advertises 160+ payment methods. Billing includes invoice delivery, collections, retries, subscription lifecycle management, and SEPA Direct Debit. Wallets support instant balance credit, automatic top-ups, and an API ledger. Developers receive a REST API, sandbox, hosted checkout, and Postman collection; embedded components and API-only integration are coming soon. Getpaid describes KYC/KYB, sanctions screening, monitoring, fraud controls, EU hosting, GDPR processing, and PCI DSS Level 1 partners.

Razorpay Route splits incoming payments among multiple sellers, service providers, or bank accounts. For marketplaces, it can direct parts of a customer payment to chosen sellers and control the amount, recipient, and settlement timing. Businesses can onboard vendors and other payees as linked accounts without physical paperwork, make multiple transfers from one payment, and reverse transfers through APIs. Settlements can be scheduled, deferred, or held until business conditions are met. Route also supports API-driven reconciliation and reporting for transactions, transfers, and settlements. Payments collected through Subscriptions, Payment Links, Invoices, and Smart Collect can be split through Route. It supports webhooks for transfer creation and reversal, with separate test and live URLs. Razorpay describes it as built for 100,000+ sellers and millions of transactions, with Amazon AWS hosting and auto-scaling. Access requires domestic turnover above ₹40 Lakhs or export turnover above ₹5 Lakhs in FY26 or FY25, plus payer-payee transparency information. The Standard Plan is $0.10 as a one-time purchase, with GST applicable; a Customized Plan has no listed price.