The provided text consists of excerpts from Product Hunt, a website that showcases new products and services. These excerpts specifically focus on Razorpay, an online banking platform that allows users to accept payments from customers, automate payouts to vendors and employees, and manage working capital. The text includes a variety of reviews from Product Hunt users, outlining their experiences with Razorpay and highlighting its key features, such as seamless onboarding, easy integration with various payment options, and international payment capabilities. Several users praise Razorpay's ease of use and robust payment processing capabilities, while others share negative experiences regarding customer support and refund processes.