Razorpay vs BriskPe: which is better for international payments in 2026?
- Razorpay is easy for existing domestic users, with 1% flat pricing and zero FX markup, but the fee grows large as your invoices get bigger
- BriskPe is fully RBI-authorised with tiered flat fees from $16 per transaction, but it is a young platform still building its track record
- Which one is better comes down to your priorities - fees, FIRA handling, and how your clients prefer to pay
Accept payment from 150+ countries
USD
Client pays
USD 100USD 100,000
1 USD = 85.00 INR
Live fx rateYou'll receiveINR
₹4,22,091
Razorpay
₹4,19,985
You lose:1.2%
BriskPe
₹4,22,493
You lose:0.6%
100+ reviews
Trusted by 40,000+ businessesOver $1B processed • Licensed by RBI
Razorpay vs BriskPe: understanding the key differences
Both Razorpay and BriskPe are well-known names for international payments, but they differ in who can use them from India, fees, export documentation like FIRA, GST compliance, settlement timelines, and support. Here is how they compare side by side.| Features |  | BriskPe |
|---|---|---|
| Transfer fees | 1% on bank transfers (cards 3%, wallets 3.5%) | $16 flat to $2,000, $25 to $10,000, 0.25% above (GST extra) |
| Forex markup | Zero, live exchange rate | Zero, live rate (self-stated) |
| FIRA | Automatic FIRA per transaction | Free digital e-FIRA per transaction, within 24 hours |
| eBRC | Not supported, closed on DGFT after your bank issues the IRM | Advertised but undocumented in product |
| GST-compliant invoice | Built-in invoicing tool that is GST compliant | Not available, you upload your own invoices |
| Settlement time | 1 business day | Within 24 hours (T+1) |
| Customer support | India-based support | India-based team in Mumbai, in-app support |
| Best suited for | Lower-value invoices where 1% takes a smaller cut | Fee-first exporters and Amazon sellers |
Razorpay vs BriskPe: pricing and forex breakdown
Beyond the published fees, the real cost is what lands in your bank after fees, forex and GST. Move the slider to see what each one works out to, and how Skydo compares.With Skydo, you receive₹8,47,0910% markup₹8,39,970
Money transferUSD 10,000
$500$10K$100K$1M
0% markupExchange rate85.00
Forex markup₹0
Transfer fee₹8,500
Fixed fee₹0
GST (18%)₹1,530
Total fees₹10,030
You receive₹8,39,970
BriskPe0% markup
₹8,47,493Exchange rate85.00
Forex markup₹0
Transfer fee₹2,125
Fixed fee₹0
GST (18%)₹383
Total fees₹2,508
You receive₹8,47,493
Razorpay vs BriskPe: compliance, payment rails, and platform comparison
Compliance
Payment Rails
Platform & Support
- Generates a digital FIRA automatically for every transaction on the dashboard
- No automated eBRC, you close it on the DGFT portal once your bank issues the IRM
- Has a built-in invoicing tool that produces GST-compliant invoices
- Leaves the purpose code to your AD bank at settlement, outside the payment flow
- SOFTEX and EDPMS are handled separately, not by Razorpay
BriskPe
- Free digital e-FIRA for every payment, typically within 24 hours
- eBRC advertised on comparison pages but undocumented in product — DGFT self-certification remains the standard route
- No GST-compliant invoicing — you create and upload your own invoices
- Purpose code selected per payment request, so classification is right from day one
- SOFTEX and EDPMS handled separately via your bank
Razorpay vs BriskPe: which one is right for you
There is no single winner. The right pick depends on who pays you, how large your invoices are, and how much paperwork you can handle.01
Choose Razorpay if:
You want bank transfer rails and 1% pricing with zero markup, and value an India-first stack.- You are an exporter or freelancer who wants to be paid by local bank transfer, like ACH, SEPA, or SWIFT, rather than card
- You want 1% with zero forex markup instead of a percentage-plus-markup structure
- You want automatic per transaction FIRA generated on the dashboard
- You already run on Razorpay's India stack and want gateway, payouts, and collections in one dashboard
02BriskPe
Choose BriskPe if:
You want BriskPe's aggressive tiered flat pricing and India-based support, and you're comfortable with a younger platform.- Fee-first exporter at almost any invoice size
- Amazon Global Selling merchant wanting 0.25-0.45% rates
- Exporter who values free per-transaction e-FIRA
- Business that prefers an India-based support team
Skydo: a better alternative to Razorpay and BriskPe
| Features | | BriskPe | |
|---|---|---|---|
| Settlement time | 1 business day | Within 24 hours | 24 hours |
| Forex markup | Zero, live rate | Zero, self-stated | Zero, live rate |
| Transaction fee | 1% on transfers | $16/$25 flat, 0.25% above $10K | $19 up to $2k, $29 up to $10k, 0.3% aboveBest |
| FIRA | Automatic, per transaction | Free e-FIRA, within 24 hrs | Free, instant, per payment |
| eBRC and EDPMS | Not supported, handled with your AD bank | Advertised, undocumented | One-click eBRC, EDPMS closure assistance |
| GST invoicing | Built in, GST compliant | Not available | Built in, GST compliant |
| Customer support | India-based support | India-based, in-app | India-based, on WhatsApp, call and email |
| Payment tracking | Dashboard, payment status | Real-time in app | Auto tracked, remittance to bank deposit |
| RBI authorisation | Full PA-CB (Dec 2025) | Full PA-CB (Dec 2025) | Full PA-CB authorized |
Losing money on each transfer but not sure how much?
See what our clients say about us
100+ reviews
Trusted by 40,000+ businesses
“I'm looking for straightforward, transparent pricing. With most payment providers, it's hard to understand the actual fees and exchange rates, making it difficult to know what I'm really paying.”ShashankCEO, HCODE
Frequently asked questions
Which is better, Razorpay or BriskPe, for international payments in 2026?+−
It comes down to how your clients pay you and how much compliance you want handled. Razorpay handles international bank transfers at 1% with zero FX markup and automatic FIRA, though the percentage fee grows with invoice size. BriskPe is fully RBI-authorised with aggressive tiered flat fees from $16, though it launched in 2023 and is still building its track record. Razorpay suits lower-value invoices and existing Razorpay users, while BriskPe suits fee-first exporters.
Is Razorpay cheaper than BriskPe?+−
Usually not. Razorpay charges 1% plus GST on international bank transfers with zero forex markup, roughly 1.2% all in. BriskPe charges tiered flat fees — $16 up to $2,000, $25 up to $10,000, 0.25% above — with zero self-stated FX markup, roughly 0.3 to 1.9% all in. BriskPe is generally cheaper, though what actually lands in your bank depends on invoice size.
Which provides better exchange rates, Razorpay or BriskPe?+−
Neither builds a meaningful markup into the rate. Razorpay converts at the live exchange rate with zero markup, and BriskPe self-states a zero forex markup on the live rate. The cost difference between them comes from fees rather than the exchange rate.
Do Razorpay and BriskPe provide FIRA for Indian exporters?+−
Razorpay generates a digital FIRA automatically for every transaction. BriskPe issues a free digital e-FIRA for every transaction within 24 hours. For GST refunds and export compliance an instant per-payment FIRA matters — Skydo issues one free with every payment.
Are Razorpay and BriskPe RBI-approved for receiving payments in India?+−
Razorpay holds full PA-CB authorisation (Dec 2025) alongside its PA licence. BriskPe holds full PA-CB authorisation for inward and outward flows (December 2025).
Is Razorpay or BriskPe better for freelancers or businesses?+−
Exporters who want bank-transfer rails at a low percentage fee, or who already run on Razorpay's India stack, lean towards Razorpay. Fee-first exporters and Amazon Global Selling merchants comfortable with a younger platform lean towards BriskPe.
Is there a better alternative to Razorpay and BriskPe for receiving money in India?+−
Skydo is built for Indian exporters and freelancers. It charges a flat fee ($19 up to $2k, $29 up to $10k, 0.3% above) that works out cheaper than a percentage fee as invoices grow, with zero forex markup, instant FIRA on every payment, one-click eBRC and EDPMS closure assistance, built-in GST-compliant invoicing, full RBI PA-CB authorisation, and India-based support.
Ready to save more on international payments?
Start receiving global payments with Skydo and keep more of what you earn.Bengaluru, Karnataka
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