Payment Gateway Fees Calculator india
Calculate payment gateway charges, GST, and final settlement amount for Razorpay, Cashfree, PhonePe, and PayU.
Calculate Your Payment Gateway Charges
Enter your order amount and select the gateway to instantly see deductions and net amount received.
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 Fees Work
Payment gateways in India charge a transaction fee based on the payment method used by the customer. This fee typically ranges between 1.5% to 2.5%.
In addition, 18% GST is applied on the gateway fee (not on the total order amount).
What Affects Your Charges?
- UPI payments usually have lower fees
- Debit cards fall in the mid range
- Credit cards attract higher charges
- Rates vary based on business type and volume
Example: Payment Gateway Charges Explained
Order Amount: ₹10,000
Gateway: Cashfree (UPI)
Gateway Fee (1.95%): ₹195
GST on Fee (18%): ₹35.10
Net Settlement Amount: ₹9,769.90
Compare Payment Gateways
Different gateways follow different pricing structures depending on settlement cycle, payment methods, and merchant category.
- Razorpay – Popular with startups and WooCommerce stores
- Cashfree – Simple pricing and fast settlements
- PhonePe – Ideal for UPI-heavy businesses
- PayU – Widely used by large merchants
Who Is This Calculator For?
Disclaimer
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.
Frequently Asked Questions
Is GST charged on payment gateway fees in India?
Yes. An additional 18% GST is applied on the gateway service fee.
Are UPI payments free for merchants?
Some gateways offer promotional zero-MDR plans, but most merchants are charged.
Which payment gateway is cheapest in India?
There is no single cheapest option. Pricing depends on volume, business type, and payment method.
This payment gateway fees calculator is provided for informational and estimation purposes only.
The charges displayed are based on publicly available base pricing from official payment gateway websites at the time of development.
Actual fees may vary depending on your business category, transaction volume, risk profile, negotiated rates, and agreement with the payment gateway.
This tool does not represent official pricing and is not affiliated, endorsed, or partnered with any payment gateway company.
We do not guarantee the accuracy, completeness, or timeliness of the pricing shown.
Users are advised to confirm final charges directly with their payment gateway provider before making business decisions.
We are not responsible for any financial loss, disputes, or decisions made based on the use of this calculator.
All product names, logos, and brands mentioned are the property of their respective owners.
Their use on this website is for identification and informational purposes only and does not imply endorsement.
No. This calculator is an independent informational tool and is not officially approved or maintained by any payment gateway.
No. These are estimated base rates. Final charges depend on your agreement with the payment gateway.