2. 2
My journey so far
⚬ Distributed file
systems
⚬ Blob storage
⚬ Online backup
⚬ Big data / ML
platforms
2002 - 2013
⚬ Customer forecasting
platform for
Amazon.com
⚬ Amazon Aurora –
RDBMS (MySQL /
PostgreSQL) for AWS
⚬ Payment Gateway
⚬ Capital
⚬ RazorpayX
to help accelerate fintech
revolution in India
2013 - 2022 2022 - current
3. 3
Razorpay’s Growth Story
8Mn
Businesses
2017 2019 2021 2023
2014
8,00,000
Businesses
First Business
Onboarded
1Bn
2,00,000
Businesses
10Bn
10Mn+
100Bn
75Bn
Businesses
Onboarded
TPV
annualised
4. R A Z O R P A Y ’ S M I S S I O N
To become the
one-stop money
movement platform
for businesses.
4
5. Razorpay payment gateway allows businesses to collect money using many payment
methods like credit card, debit card, UPI etc, all in a secure, reliable and scalable manner.
Millions of businesses rely on Razorpay for their payments.
Disbursals
Receivables
RazorpayX
Merchant’s
bank account
Payment
Gateway Vendor/
Employee
5
RazorpayX allows businesses to manage their
money in their bank account, send payments to
vendors and, provide payroll to their employees
6. Daily cash
management
6
Line of Credit
Corporate
Credit Card
Merchant’s
bank account
Capital
Expense
When business run short in money, Razorpay Capital provides quick loans
Razorpay Corporate credit cards helps businesses with daily cash management. Platform thinking
allows us to build capabilities for longer term that has paid us huge dividends in being able to launch
“first in the market”
7. Razorpay is:
This is why 34 out of 42 unicorn startups
are also with us, all have similar
ambitions and would eventually
become future enterprises.
This is easier said than done, we needed
a reliable infrastructure that enables to
achieve our dreams
7
How is Razorpay able to do this?
Easy to
onboard
Easy to
develop
Easy to
scale
8. 8
Our operating principles
and values are aligned
The right infrastructure
allows exponential growth
We were born in AWS and AWS has been the
with us all along to achieve these heights
Let’s talk about our operating principles that
might help you in building scalable technology.
9. 9
Our Operating Principles
Security
Principle 1
Bug
bounty
Automated
patching
Compliance
Principle 2
Awareness
Strong regulatory
framework
Regularly conduct bug bounty
programs to identify system
vulnerabilities through
application penetration
testing. Invest in automated
patching for machine/
container images & software.
Creating awareness on
compliance with every
individual in the
company. Invest in
performing internal
audits regularly to stay on
top of the gaps
10. Correctness
10
Our Operating Principles
Reliability
Principle 3
Faster
reconciliation
Availability
Principle 4
Zero
downtime
Swift detection &
resolution
Define what “correctness”
means for your
application.
Faster reconciliation
between systems is
essential.
Underlying dependencies will
determine the application’s
availability.
Any change in the system
can cause outage,
invest on early
detection & recovery
11. Cost
Performance
11
Our Operating Principles
Scalability
Principle 5
Modularity
Innovation
Principle 6
Incremental Strategic
Encourage thinking about
cost-performance and
not just performance in
isolation.
Any new service you build
could start with modular
design.
Finally, when
everything being
equal.
The thing that
matters is innovation
and speed of
delivery.
12. 12
What’s next for Razorpay?
Global
Expansion
Acquired Curlec, set
foot in Malaysia
Empowering
Banks
Partnered with 45
banks in India
Scaling Offline
Ecosystem
Acquired Ezetap, to innovate
in omnichannel space
13. It is still Day 1…
We continue to
pursue our mission
