परिचय
Razorpay is a payment aggregator and gateway founded in 2014 in Bengaluru, India. Its Optimizer product is an AI payment orchestration layer that manages how transactions are routed across dozens of Indian and global gateways and banks.
Optimizer - AI infinite routing and custom rules. - A single reconciliation dashboard. - A UPI and card success-rate booster.
The company states it lifts payment success by 10%+ by automatically bypassing bank gateway downtime. Target clients are enterprise e-commerce, airlines, fintech, gaming and edtech.
Wider product set Gateway and aggregator for websites and apps, payment links and hosted pages, QR and UPI, subscriptions, POS and international payments. Methods include cards, UPI, net banking, e-wallets and bank transfers, and integration runs through the API.
Markets and pricing Operations cover India, Malaysia (under the Curlec brand), Singapore and the United States, and product sets vary by country. For the US a Standard Plan is published at 2.70% plus USD 0.30 per card transaction with no setup fee, and custom terms start from USD 12 million in annual volume. The orchestration product is sold as enterprise SaaS.
Partners and entity B2B service and technology providers can refer clients for a recurring commission. The entity is Razorpay Payments Private Limited.
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