Vergado vs RazorpayX Payroll
RazorpayX Payroll is a strong salary-disbursal tool tied to Razorpay's banking stack. Vergado is a full HRMS — it disburses salaries AND pays and files TDS, EPF, ESI and PT automatically, runs tax-saving benefits, expenses, onboarding, and earned-wage-access on one platform.
Book a Vergado demoHow Vergado compares
RazorpayX Payroll is great if your primary need is fast salary disbursal and you use Razorpay's business banking. Vergado is built for teams that want to automate the full HR lifecycle, including statutory filings — not just the payment pipe.
| Capability | Vergado | RazorpayX Payroll |
|---|---|---|
| Salary disbursal | Bank-agnostic; IMPS/NEFT via payroll | Via RazorpayX current account |
| Automatic TDS computation + Form 24Q filing | Paid & filed by Vergado | Computes; TDS filing is manual / via consultant |
| Automatic EPF / ESI payment + return filing | Paid & filed by Vergado | Challan generation; return filing limited |
| Professional Tax across Indian states | Deducted, paid and filed | State PT support varies |
| Tax-saving benefits (meal, fuel, telecom, LTA) | Full wallets + OCR bill verification | Limited / add-on |
| Expense management (OCR, GST extraction) | Built in | Not part of payroll |
| Onboarding, ATS & background verification | Built in | Not part of payroll |
| Petty cash cards for branches | Built in — policy-controlled prepaid cards | Via RazorpayX cards for employees only |
| Biometric attendance integrations | 100+ devices + mobile geo-fencing | Limited to partner integrations |
When to choose Vergado
- You want statutory filings (TDS, EPF, ESI, PT) handled for you, not just computed.
- You want benefits, expenses and onboarding consolidated with payroll.
- You have distributed teams with branches, field staff and petty cash needs.
- You are bank-agnostic and don't want to be tied to one current account provider.
When RazorpayX Payroll may fit
- Your bank is RazorpayX and payment speed is the top priority.
- Your team is small, and statutory filings are already handled outside payroll.
- You don't need benefits, expense and onboarding consolidation.
Questions about switching to Vergado
Does RazorpayX Payroll file TDS, EPF, ESI and PT returns for me?
RazorpayX Payroll handles payroll processing and salary disbursal. Return filings and statutory payments for TDS, EPF, ESI and PT typically still require a consultant or manual action. Vergado closes that gap — it pays and files statutory dues automatically.
Can I keep my existing bank while using Vergado?
Yes. Vergado is bank-agnostic. Salary disbursals run via IMPS/NEFT from your existing current account — there is no requirement to switch to a specific bank.
Can Vergado replace RazorpayX Payroll completely?
Yes, for the HR and payroll lifecycle. You can keep RazorpayX as a banking relationship for vendor payments if you wish; Vergado handles salary, statutory dues, benefits and expenses.
How long does migration take?
Typically 2–4 weeks, including employee import, statutory registration mapping and first pay-cycle validation.
