1. EarlySalary (Fibe)
Fibe · Pune · Banking, lending & fintech · 4.3/5
Instant personal loans and salary advances.
Pay as you go
Free trial
Banking, lending & fintech · Alternatives
Best RazorpayX alternatives in India (2027)
RazorpayX is a banking, lending & fintech product from Razorpay, Bengaluru, priced at From ₹1,499/mo, billed quarterly. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 10 have a free plan, 20 are built in India, and 10 start cheaper or free.
Quick answer
The closest alternatives to RazorpayX are EarlySalary (Fibe) (Pay as you go), ICICI iMobile Pay (Free), Jupiter (Free), IndusInd IndusMobile (Free) and Fi (Free). ICICI iMobile Pay is the top-ranked option with a free plan.
Why businesses look for a RazorpayX alternative
There is no free plan
RazorpayX has no free tier. 10 alternatives do, which lets you test with real data before you pay.
Cost
RazorpayX starts at From ₹1,499/mo, billed quarterly. 10 alternatives start lower or have a free plan.
Reported limitation
Subscription plus per-payout fees, and the payout rates aren't on the public pricing page
Reported limitation
Billed quarterly, not month-to-month
Reported limitation
Not a bank; your money sits with the partner bank
RazorpayX alternatives compared
Ranked by how closely each product matches RazorpayX's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | RazorpayX (current) | From ₹1,499/mo, billed quarterly | No | Web, Android, iOS | Yes | 4.6/5 | — |
| 1 | EarlySalary (Fibe) | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 2 |  ICICI iMobile Pay | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | vs RazorpayX |
| 3 |  Jupiter | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 4 |  IndusInd IndusMobile | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | vs RazorpayX |
| 5 |  Fi | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 6 |  Bank of Baroda bob World | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | vs RazorpayX |
| 7 |  Canara ai1 | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | vs RazorpayX |
| 8 |  Federal Bank FedMobile | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | vs RazorpayX |
| 9 |  IDFC FIRST Bank App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 10 |  AU 0101 | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 11 |  Lendingkart | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 12 |  Indifi | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 13 |  Capital Float (axio) | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 14 |  Airtel Payments Bank | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 15 |  NeoGrowth | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  FlexiLoans | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 17 |  Rupeek | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Cashe | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  MoneyTap | Pay as you go | No | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  PayMe India | Pay as you go | No | Web, Android, iOS | Yes | 4.2/5 |
Top 10 RazorpayX alternatives in detail
2. ICICI iMobile Pay
ICICI Bank · Mumbai · Banking, lending & fintech · 4.6/5
ICICI Bank's mobile app with UPI for any bank.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
3. Jupiter
Jupiter · Mumbai · Banking, lending & fintech · 4.6/5
Digital banking app with savings insights.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
4. IndusInd IndusMobile
IndusInd Bank · Mumbai · Banking, lending & fintech · 4.6/5
IndusInd mobile banking.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
6. Bank of Baroda bob World
Bank of Baroda · Vadodara · Banking, lending & fintech · 4.6/5
Bank of Baroda's digital banking app.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
7. Canara ai1
Canara Bank · Bengaluru · Banking, lending & fintech · 4.6/5
Canara Bank's all-in-one banking app.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
8. Federal Bank FedMobile
Federal Bank · Kochi · Banking, lending & fintech · 4.6/5
Federal Bank mobile banking.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
9. IDFC FIRST Bank App
IDFC FIRST Bank · Mumbai · Banking, lending & fintech · 4.5/5
Mobile banking with monthly interest credit.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
10. AU 0101
AU Small Finance Bank · Jaipur · Banking, lending & fintech · 4.6/5
AU Bank's video banking and mobile app.
Free
Free plan available
Compared with RazorpayX
- Has a free plan — RazorpayX does not
RazorpayX alternatives by what you need
Cheaper than RazorpayX
Free RazorpayX alternatives
Indian alternatives to RazorpayX
How to choose a RazorpayX alternative
- For a business account, compare payout fees, API access and accounting integrations — those save more time than the interface.
- Lending apps must name the regulated lender; check the APR, processing fee and prepayment terms rather than the headline rate.
- Neobank layers sit on a partner bank; check which bank holds the funds and what happens if the layer shuts down.
RazorpayX alternatives — FAQs
What is the best alternative to RazorpayX in 2027?+
The closest matches to RazorpayX on App Advisor are EarlySalary (Fibe) (Pay as you go), ICICI iMobile Pay (Free), Jupiter (Free). They are ranked by how closely their category, pricing model, platforms and target business size match RazorpayX, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to RazorpayX?+
Yes. 10 of the 20 alternatives listed have a free plan or are free: ICICI iMobile Pay (Free), Jupiter (Free), IndusInd IndusMobile (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to RazorpayX?+
Yes. 20 alternatives are built in India, including EarlySalary (Fibe) (Pay as you go), ICICI iMobile Pay (Free), Jupiter (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
RazorpayX vs EarlySalary (Fibe): which is better?+
EarlySalary (Fibe) is the closest match to RazorpayX in our catalogue. Compare them side by side before you book a demo.
How were these RazorpayX alternatives chosen?+
Every product listed sits in banking, lending & fintech or a category RazorpayX also covers, and Razorpay's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
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Related alternatives
EarlySalary (Fibe) alternativesICICI iMobile Pay alternativesJupiter alternativesIndusInd IndusMobile alternativesFi alternativesBank of Baroda bob World alternativesCanara ai1 alternativesFederal Bank FedMobile alternativesIDFC FIRST Bank App alternativesAU 0101 alternativesLendingkart alternativesIndifi alternativesAll banking, lending & fintech alternativesBrowse all alternatives