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. 18% GST applied on gateway fees. 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.