Stripe, Razorpay or Cashfree: Which Payment Gateway Suits Flutter Apps in India

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A developer with hands-on experience integrating all three major payment gateways — Stripe, Razorpay, and Cashfree — into Flutter apps has outlined a practical decision framework for Indian developers. The comparison evaluates each gateway across six criteria: India payment method support, Flutter SDK quality, pricing, merchant onboarding, webhook reliability, and international card support. Razorpay and Cashfree emerge as stronger choices for UPI-first Indian consumer apps, offering competitive domestic pricing and T+1 settlements, while Stripe leads for global SaaS products and international transactions. Stripe scores lower on India-specific metrics due to higher domestic MDR and UPI being secondary to its core card-based infrastructure, despite having the most polished Flutter SDK. The key takeaway is that no single gateway wins across all criteria — the right choice depends on where users are, how they pay, and the nature of the merchant's business.

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