Harshil Mathur

Co-Founder & CEO · Razorpay

📍 Bengaluru, Karnataka, India

Harshil Mathur co-founded Razorpay to simplify online payments and financial infrastructure for Indian businesses.

Harshil Mathur Founder Story

Harshil Mathur and Shashank Kumar encountered the complexity of accepting online payments while exploring startup ideas. They realized that payment integration itself was a major pain point for Indian businesses. Razorpay was created to make payment acceptance easier for developers and companies and later expanded into a broader financial-services infrastructure platform. The company grew alongside India's digital-commerce economy by focusing on APIs, developer experience and business financial operations.

Harshil Mathur Education

Engineering graduate from IIT Roorkee.

Career Before Razorpay

Worked in technology before starting Razorpay with co-founder Shashank Kumar.

How Razorpay Started

The founders discovered that accepting digital payments was unnecessarily difficult for startups and decided to build simpler payment infrastructure.

Challenges & Failures

Bank partnerships, regulation, security, payment reliability, fraud prevention and earning trust from businesses handling money.

Turning Point

Strong developer adoption and expansion beyond payment gateways into broader business-finance products significantly increased Razorpay's scope.

Harshil Mathur Achievements

Co-founded Razorpay and helped build one of India's leading fintech infrastructure companies.

Future Plans

Continue expanding payment infrastructure, banking-related tools, business finance and international capabilities.

Harshil Mathur's Advice for Entrepreneurs

Start with a painful infrastructure problem and make the developer or customer experience dramatically simpler.

“Complex financial infrastructure becomes valuable when the customer experience feels simple.”

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Latest Updates From Razorpay

17 Aug 2026

BUSINESS UPDATE

Razorpay: Harshil Mathur's FinTech journey and next growth focus

Founder profile update for Harshil Mathur of Razorpay. Co-founded Razorpay and helped build one of India's leading fintech infrastructure companies. The journey has involved Bank partnerships, regulation, security, payment reliability, fraud prevention and earning trust from businesses handling money. A key turning point highlighted in the founder story is: Strong developer adoption and expansion beyond payment gateways into broader business-finance products significantly increased Razorpay's scope. Current strategic direction recorded in the profile: Continue expanding payment infrastructure, banking-related tools, business finance and international capabilities. Founder lesson: Start with a painful infrastructure problem and make the developer or customer experience dramatically simpler.

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