Shift4 vs Razorpay

PayPal

Venmo

Stripe

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Shift4 (NYSE: FOUR) is boldly redefining commerce by simplifying complex payments ecosystems across the world. As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for hundreds of thousands of businesses in virtually every industry.

Data Security

Debit/Credit Card Processing

Electronic Signature

In-Person Payments

Mobile Payments

Multi-Currency

Multiple Payment Options

Online Payments

Partial Payments

Receipt Management

Recurring/Subscription Billing

Reporting/Analytics

Transaction Monitoring

Shift4

Web-based

Square Point of Sale

Clover

Square Payments

Cash App

Shopify

Wave

Clio

Basic

Manager

After 40 years of delivering food trying to change and have third company handling my delivery need, Barely started with skytab, at the same time with chownow to handle my delivery’s customers and found out that these two doesn’t work together, hoping they start soon

Owner

when you call for issues, you're on the phone for ever. If you have a Server that runs a credit card on the wrong check and the guest has already left, you as the merchant eat that check amount!

Shift4 then deliberately circumvented this block by using alternate business names to attempt to process payments—a blatant act of fraud.

POS system was unreliable, I was on the phone for 2-3 hours every month with them to push updates that would rarely come through.   When I called to cancel they wanted me to buy the contract out on the back end even though there was a documented history of their system not being reliable.

It was a pretty easy system, The workflow was nice with starting tabs and I enjoyed the backend product.

Companies like this do not deserve a chance to earn your business, save the nightmare and go with toast, this company sucks!

The terminals were returned and I did not hear anything else until I got an automated ticket notification 2 months later and then a RMA request another 2 weeks after that.

Our experience with Shift4 / Lighthouse has been nothing short of a nightmare, and we want to warn other businesses before they fall into the same trap.

Cases were marked as “resolved” automatically after five days, even though nothing had been fixed or explained.

I would be willing to change my review if customer service would work with me on the fee as they have been good in previous years about reversing fees for services was not using when calling in.

They hide the contract length and early termination fees for their contract via a website titled terms and conditions.

Customer service was helpful at this time and reversed some previous fees for services I was not using and put me on a basic plan and assured me there would be no additional charges.  

Integration Specialist

It seems to have its ability to grab information and connect to many sources for our CRM.

President

I moved from IRN card processing to Shift4 with the understanding that monthly Reporting and Fees would be more transparent and easily understood. While the fees charged actually showed up in the month they were incurred, the reporting did not reflect the actual transactions.

We had outages with Shift 4 and that impacted checking in guests for our hotel.

owner

They have added monthly fees and a contract which is charging $525 in early termination fees.  

We strongly advise all small businesses to avoid Shift4 / Lighthouse at all costs.

Shift 4 is our processor but cannot help you retrieve a credit card mistake!

The icing on the cake was our new card processor could not get us installed before our 12 month contract expired, so Shift4 charged us for the entire following 12 months of support and reporting.

Co-CEO

They are now trying to have me cancel and pay $2,400 or charge me $310 a month in no usage fees

General Manager

After telling us they would match we stayed only to find out they didn't match.   When we approached shift 4 with this, the response was sign this new contract.  

At the start of 2025 ( January 2nd) noticed a 189.00 charge on my bank account  and called the next day to find out what is was for.

This all-in-one system simplifies operations, allowing us to focus more on customer service and less on administrative tasks.

They refused to refund me even though I had proof that I was unable to access the equipment to return it.

It offers a seamless blend of sales processing, inventory management, and customer tracking.

Delay in processing credit cards.   After you select cc you have to wait until it connects to the reader,  Only about 5 seconds but seems like a long time when we are busy.

They said if I switched over to charging the customers 3%, there would not be any fees.  

I also do not like that they do not involve the sales rep and others when developing the menu for your resturant, the developers need to observe how a restaurant is run before they build it out.

Continued to charge fee after service cancelled and then charged high fee to cancel.

This thing is like learning another language.

No where on the agreement is any mention of contract length or fee for early termination.

Even though our hotel was in DC and centrally located it took a long time for anyone to figure it out.

We went with Clover after spending over 50 hours on hold with them and getting nowhere and now we can’t even ship their crappy product back to them because they don’t have us listed as owners of the company that they send bills to.

It has been a terribly exasperating experience to try and get information out of them to try and understand their reports.

Then when I need just certain things from a daily report it gives me too much information and there is no way to tailor it to what we need and customer support does not help much as they don’t seem knowledgeable.

We called several times and told them WE DON'T have them and "customer service " said there is nothing they can do.  

Nothing to report because we didn’t receive anything but debits to our bank for nothing.

Shift 4 charged me $2600 for not having the equipment returned in time!

We still took the $3K buy out option, just to get rid of this awful company.

Customers have to jump through hoops to get technical support.  

I have a great local rep that I always have to call because the larger company usually cant help.

Customer service can improve, when I call several times they seem not as knowledgeable and have to follow up everytime keeping me hold for a long time.

My original sales rep from 12 years ago was good when it was owned by Harbor Touch.

They never delivered the credit card terminals but insist they did.

They didn’t have a setting turned on that cost me $22,000.

I do not recommend this company for a small company that is not processing a lot.  

I even have an email from my sales guy (before I signed up) that confirms there was no contract, and no early termination fees.

Pricing

Sales and Billing

Credit Card Processing

Customer Support

Phone Support

Transaction Processing

Restaurant Operations

Service Cancellation

Equipment Charges

SkyTab for Restaurants

Freelancers

Small Business

Large Enterprises

Mid-size Business

CEO 

Just automated bots replying to your queries and opening up issues closing them on their convenience just to send automated replies.

Support tickets will take days to attend, and will be closed without resolution.

Digital Marketer

Best part of Razorpay is there customer support.

Founder

Tickets are raised and closed autometically, without giving an intimation of what has happened to the ticket.

Razorpay is a cloud-based payment processing software designed to help midsize and large businesses manage finances through payment gateways, vendor payouts, and subscription options. It enables organizations to accept payments from customers through various methods and automate payouts to vendors and employees.

Benefits Management

Check Printing

Compensation Management

Compliance Management

Direct Deposit

Employee Database

Offboarding

Onboarding

Payment Links

Payroll Management

Payroll Reporting

Self Service Portal

Tax Calculation

Tax Compliance

Third-Party Integrations

Time & Attendance

Razorpay

Android

Windows

iPad

iPhone

PayU

Cashfree

Slow and unresponsive support

68% of reviewers feel negative about Razorpay’s customer support. Users report frequent delays in response times, with some saying it takes days or even weeks to resolve issues. Reviewers indicate frustration with automated replies, lack of direct contact options, and repeated ticket closures without solutions. Some users mention difficulty in escalating urgent matters and a lack of follow-through from support staff. They feel that as the company grows, the quality and reliability of customer service deteriorate, making it challenging to get timely assistance for business-critical problems.

Intuitive and simple interface

One of the things I really appreciate about Razorpay is its user-friendly interface.

Administration Officer

91% of reviewers feel positive about Razorpay’s ease of use. Users think the platform’s interface is clean, straightforward, and easy to navigate, making daily tasks and setup simple even for those without technical backgrounds. Reviewers appreciate how quickly they can implement the software, deploy features, and explain processes to others. Some users report that the visual dashboards help them track business performance efficiently. They say the overall user experience is pleasant and accessible, allowing them to focus on their business rather than learning complex software.

Versatile payment processing options

Strategy and Operations Manager

I really like its seamless integration with our existing e-commerce and POS systems; it just makes digital payments effortless. Plus, the sheer range of payment options, from UPI to credit cards, perfectly caters to our diverse customer base.

Razorpay is ideal for businesses that want to offer their customers a variety of payment options, such as credit and debit cards, UPI, net banking, and a variety of mobile wallets.

89% of reviewers feel positive about Razorpay’s payment processing. Reviewers indicate that the platform supports a wide variety of payment methods, including UPI, credit and debit cards, net banking, and digital wallets, which they find crucial for serving diverse customer needs. Users say they can easily create payment links and pages, integrate with e-commerce and POS systems, and manage transactions efficiently. Some reviewers find the seamless, secure, and fast processing beneficial for both online and offline payments, helping them streamline operations and improve customer satisfaction.

Marketing

In some cases, issue resolution for technical queries may take additional time depending on the complexity of the request."

The dashboard is easy to use after the initial learning phase, and the integrations make managing online payments much more efficient.

The platform is reliable, secure, and offers a wide range of payment solutions.

Medical Director

After wasting all our time, they send a email stating since the pos transaction has not ocurred for more than 3 months its TID is deactivated and cannot be reactivated.

Web Developer

It supports wide range of payment methods such as credit/debit card, net banking etc

Administrative Manager

Some advanced features can take time to understand initially.

CEO Founder

They cheated in the name of pricing plan they offering you can get up to 75000 free payment after this plan but still they are charging.

You will waste time with new tickets created each time and the person not able to help you because the support is outsourced.

Legal action will be planned shortly for the trouble they have given, as all their emails are there as proof of their inadequacies causing financial losses.

Designer

No payment process via the WordPress plugin.

Waiting since last 48 hrs for there team to reach me despite dropping many mails and filling magic checkyform but no response

They hold clients' payments and ask for unnecessary documents.

No Customer Support - No direct Customer Care Number, Email or any other mechanism to contact them

Reporting Manager

There is nothing to dislike but sometimes it's difficult to track payments on real time basis.

I checked with other startups within my incubators and other forums, all are frustrated with their service

Nothing

Worst and untrustworthy , I have never seen this kind of payment gateway system whose has client in the name of fraud.

Senior Customer Care Professional

Customer support response times could be improved, especially during peak hours

Non-existent—they ignore every request.

Customer care management specialist

An account can be created in India easily.

Overall, Razorpay is an excellent payment gateway for businesses of all sizes.

Project lead

International Payments: Support international transactions

In the last 3 months, have raised 8 requests for change of my billing plan, have called multiple times but my plan has not been changed so far.

Operations and project management intern

For quick UPI Payments, really one of the best out there

Founder & CEO

It has free plan where it charges 2% fee of payments received through this payment gateway. With Razorpay you can create payment link, pages easily and can share them with your users.

Razorpay is the best payment gateway, which accepts credit and debit cards, UPI, net banking with more than 50 banks, and a variety of mobile wallets.

I have already complaint to Consumer court Service also.

Director

Senior accountant

Very easy to use efficient can pull up reports when needed

Customer support helpline is very flexible

Student 

Razorpay it charges too when compared to other payment apps and it some times Daley payment processing and it takes commesions for every payments and delay response from the customers

Razorpay accepts several types of payment methods such as internet banking, UPI, Credit card, Debit card.

You can embed a wide range of Razorpay integrations, including those for OpenCart, WordPress, and Shopify.

Apart from it, there are options to generate QR code, payment links, invoices and payment pages.

Digital Marketing Manager

Expanding your online store reach outside India is a little bit difficult with Razorpay as it still lacks the feature of handling international payments.

Very bad service they cheated small business.

Highly unethical company with no integrity

horrible experience not just once but multiple times.

Chef de Cuisine

So easy to use, really enjoyed checking out online!

Accepting international payment is bit difficult there are many formalities with razorpay and i think the asked around 50K INR domestic payment before allowing international payment.

The need to enable wallet payment for everyone, they have restrictions for wallet payment for new customer.

RazorPay gives low success rate and offer poor support

Solution manager

We were waiting to setup this but they dont pay attention to customers.

Shift4 vs Razorpay Comparison (2026)

Shift4

Razorpay

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives