Comparison

Payability Mobile vs Razorpay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Payability Mobile

This app offers flexible funding and cash flow solutions for eCommerce marketplace sellers. It allows users to check their available balance, review recent transactions, and transfer funds conveniently from their mobile device.

Highlights
  • Check available balance
  • Transfer funds to bank account
  • Review seller card transactions
  • Track pending transfers
  • View pending card transactions
Features
Read full description

Payability provides flexible funding and tailored cash flow solutions to eCommerce marketplace sellers. Since our founding in 2015, we’ve helped thousands of marketplace sellers scale their businesses by providing over $2 billion in financing. Introducing the free Payability Mobile app! Use the app to check your Payability available balance, review your recent seller card transactions, and transfers funds - all on your schedule, at your convenience. Simply log in using your Payability account email and password to get started. With the Payability Mobile app you can: Check Your Available Balance • See your Payability account status and available balance. Transfer Funds On The Go • Transfer your available balance to your bank account 24/7, virtually anywhere you have your phone Stay On Top Of It All • Easily track and review your completed Payability Seller Card transactions, pending transfer requests, and pending card transactions all in one place The Payability Visa® Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Payability Card is powered by Marqeta.

About

Razorpay

Accept digital payments instantly via credit card, debit card, UPI, and more. Businesses of all sizes can set up in minutes and track sales with real-time data. Issue refunds on the go and benefit from 24/7 support.

Highlights
  • Accept payments via 100+ modes
  • Instant payment links
  • Digital KYC in under 7 minutes
  • Track sales and earnings
  • Issue refunds on the go
  • 24/7 customer support
Features
Read full description

Join the 50,00,000+ businesses using Razorpay Go cashless & receive payments via credit card, debit card, UPI, wallets & more. We simplify payments & make it easy for you to focus on great products. Businesses can start Accepting Payments in under 7 Minutes! We offer a 100% digital KYC experience. Say goodbye to the payment platforms which take weeks to get you started. With Razorpay, you can start accepting payments in a matter of minutes. Accept Payments Regardless of Your Business Registration Razorpay is open to all types of registered & unregistered businesses. Whether you’re a private or public limited company, LLP, shop owner, NGO or even an unregistered business like a freelancer, teacher or a homepreneur, we have a digital payment solution that is perfect for you. Get Paid Instantly with Payment Links Share payment links and receive payments via an email, SMS, WhatsApp, Messenger etc. and get paid immediately. Accepting payments from customers is now just a link away. Businesses can track sales and digital payments easily Analyze your earnings & stay on top of your goals. Make better business decisions using insights from the real-time data available on the dashboard. Get a detailed view of your payments, customer refunds, payment links view & settlements. Accept Payments via Debit Cards, Credit Cards, Net Banking, UPI Wallets & more. Razorpay supports over 100+ payment modes including Credit and Debit Cards (Visa, Mastercard, Rupay, AMEX, Diners), Net Banking from top 50+ banks, UPI (Web Collect & UPI Intent), Online Wallets, EMI and NEFT/RTGS payments. Issue Refunds on the Go We understand the pain of managing refunds(including instant refunds) for your customers, with the Razorpay mobile app, you can issue refunds for your business transactions with a click of a button right from your smartphone. Backed by the Safety and Security of Razorpay Razorpay security works 24/7 to help detect fraud, prevent hacking, and verify identity. If you ever need assistance, we are always available to help you in every step. Need help? We offer 24/7 Support Our support is always there to assist you through email and live-chat interface, ensuring to help you with your queries with utmost promptness. Frequently Asked Questions: How does Razorpay work? Razorpay allows you to securely accept online payments. Currently, over 8,00,000 businesses are using Razorpay to accept and disburse both, domestic and international payments. Can I accept payment through social media channels like Facebook, WhatsApp, SMS etc? Yes. To accept payments via social media channels, you can simply create a payment link with a few clicks and share it via the channel of your choice. Whether it's Facebook, Instagram, WhatsApp, SMS or email. What documents are required to sign up on Razorpay?  To get started with an online store, all you need is your PAN card, Aadhar card or Driving licence or Voter ID (any one of the three) and in some cases, a cancelled cheque. What are set up charges? Is there any charge for post-live support? Is there any annual maintenance fee charged by Razorpay? Absolutely not! We offer a simple and transparent pricing plan. We charge a 2% platform fee for a successful transaction. Unlike all the other payment solutions providers, we have no setup charges, no annual maintenance fee and we never charge a rupee for post-live support. Platform fee includes access to Flash Checkout, Dashboard, Report and much more. I don't have a website, can I use Razorpay to accept payments online? Yes, you can use payment links to collect online payments even if you don't have a website ready.

Screenshots

Payability Mobile3 screens
Razorpay4 screens

Verdict

The call

The clearest difference is rating: Razorpay at 4.1 against Payability Mobile's 2.9. Razorpay also leads on update cadence (every 2 weeks vs every 22 months). Payability Mobile's advantage is review sentiment (33% vs 23%) and device support (3 vs 1). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Razorpay holds the better App Store score, 4.1 against 2.9. Both are backed by a comparable volume of ratings — 15 and 23 respectively. Written reviews complicate that: 33% of Payability Mobile's written reviews are positive against 23% of Razorpay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Payability Mobile ships an update every 22 months, Razorpay every 2 weeks. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
Payability Mobile versus Razorpay: the parameters behind the verdict, then further details
ParameterPayability MobileRazorpay
PriceFreeFree
Rating2.9 (15 ratings)4.1 (23 ratings) — better
Positive reviews33.3% of reviews — better22.8% of reviews
Number of ratings1523 — better
Update frequencyEvery 22 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS11.0 — better16.4
Further details — not scored
Size16 MB73 MB
Age rating4+4+
DeveloperPayability Commercial Factors, LLCRazorpay Software Pvt. Ltd.

Customer experience

Payability Mobile

All ratings14 ratings
Positive50.0%
Neutral7.1%
Negative42.9%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Razorpay

All ratings23 ratings
Positive78.3%
Neutral0.0%
Negative21.7%
Written reviews57 reviews
Positive22.8%
Neutral1.8%
Negative75.4%

In-app purchases

None

Payability Mobile

No in-app purchases

None

Razorpay

No in-app purchases

Questions

Is Payability Mobile free?
Payability Mobile is free to download, with no in-app purchases.
Is Razorpay free?
Razorpay is free to download, with no in-app purchases.
Which has better reviews, Payability Mobile or Razorpay?
Razorpay is rated higher. Payability Mobile averages 2.9 out of 5 from 15 ratings, while Razorpay averages 4.1 from 23 ratings.
Do Payability Mobile or Razorpay have ads?
Neither Payability Mobile nor Razorpay shows ads.
Which is updated more often, Payability Mobile or Razorpay?
Payability Mobile ships an update every 22 months, and Razorpay every 2 weeks. Most recently, Payability Mobile was updated on November 3, 2026 and Razorpay on November 3, 2026.

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