Payment Gateway Fees Calculator in India
Payment gateway fees in India are charges deducted by payment gateways
for processing online payments. These fees usually range between
1.5% to 2.5%, plus 18% GST on the gateway fee.
The final settlement amount is the order value minus the gateway fee and GST.
This free Payment Gateway Fees Calculator helps Indian sellers calculate
Razorpay, Cashfree, PhonePe, and PayU charges and clearly understand
how much money they actually receive.
Instant Payment Gateway Charges Calculator
Enter your order amount, choose the payment gateway and payment method,
and instantly calculate the gateway fee, GST, and net settlement amount.
Payment Gateway Fee Comparison (India)
* Charges shown are official base rates from public pricing pages. Actual charges may vary based on business category and volume.
How Payment Gateway Charges Are Calculated
- Customer completes an online payment
- Payment gateway deducts a percentage-based fee
- 18% GST is applied on the gateway fee
- Remaining amount is settled to the merchant
Payment Gateway Fee Calculation Formula
Gateway Fee = Order Amount × Gateway Percentage
GST = Gateway Fee × 18%
Settlement Amount = Order Amount − (Gateway Fee + GST)
Example: Payment Gateway Charges on ₹10,000
- Order Amount: ₹10,000
- Gateway Fee (1.95%): ₹195
- GST on Fee (18%): ₹35.10
- Net Settlement Amount: ₹9,769.90
Payment Gateway Charges Comparison (India)
| Payment Gateway | UPI Charges | Card Charges | Best For |
|---|---|---|---|
| Razorpay | ~1.5% | ~2% | WooCommerce & startups |
| Cashfree | ~1.95% | ~1.95% | Fast settlements |
| PhonePe | ~1.8% | ~2.2% | UPI-heavy businesses |
| PayU | ~2% | ~2.2% | Large merchants |
Who Should Use This Calculator?
- E-commerce sellers in India
- WooCommerce & WordPress website owners
- UPI-based merchants
- Freelancers and service providers
Related Guides
- Payment Gateway Charges Explained in India
- Best Payment Gateway in India (Comparison)
- UPI Payment Gateway Charges Explained
Frequently Asked Questions
What are payment gateway charges in India?
Payment gateway charges are transaction fees deducted for processing
Online payments, typically between 1.5% and 2.5%, plus 18% GST.
Is GST charged on payment gateway fees?
Yes. An additional 18% GST is charged on the gateway service fee,
not on the total order amount.
Are UPI payments free for merchants?
Some gateways offer zero-MDR plans, but most merchants are charged
a small percentage.
Which payment gateway is the cheapest in India?
There is no single cheapest gateway. Charges depend on business type,
transaction volume, and payment method.
Important Disclaimer
Note: The charges shown in this calculator are indicative.
Actual payment gateway fees may vary based on your agreement,
business category, and transaction volume.
Always confirm final pricing with your payment gateway provider.