Razorpay builds a full-stack payments and banking platform for businesses in India and Southeast Asia, offering payment gateway, payouts, subscriptions, payroll, neobanking (RazorpayX), and working capital (Razorpay Capital). Founded in 2014 and headquartered in Bangalore, it earns via transaction fees and financial services, and processes over $180 billion in annualized payment volume for customers across e-commerce, telecom, and consumer internet.