Payment Gateway Charges Calculator.
On a ₹10,000 credit card payment at a 2 percent gateway fee, the fee is ₹200, GST on the fee is ₹36, and ₹9,764 is settled to you. Pick a gateway and payment method to see the charges on any amount, or work backwards from the amount you need to receive.
Rates are each gateway's published standard pricing as of November 2026 and are prefilled as editable defaults; negotiated rates differ. Runs in your browser, nothing is sent to a server.
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Start freePayment Gateway Charges Calculator is a free online tool from Neweb (neweb.ai) for small businesses, with no sign-up. On a ₹10,000 credit card payment at a 2 percent gateway fee, the fee is ₹200, GST on the fee is ₹36, and ₹9,764 is settled to you. Pick a gateway and payment method to see the charges on any amount, or work backwards from the amount you need to receive.
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Facts checked October 2026.
What you'll get.
A real example of what this tool produces. Run it above with your own inputs.
Payment gateway charges in India have two parts: the gateway's fee, usually a percentage of each successful payment (sometimes plus a few rupees), and 18 percent GST charged on that fee. Both are deducted before the money is settled to your bank account, so a ₹10,000 sale at a 2 percent fee arrives as ₹9,764, not ₹9,800.
This calculator does that sum for seven gateways, Razorpay, PayU, Cashfree Payments, CCAvenue, Instamojo, PhonePe Payment Gateway and Paytm Payment Gateway, across eleven payment methods. It also runs in reverse: enter the amount you need in the bank and it tells you what to charge. Below the result, a table shows the same payment on every gateway at its published standard rate.
Payment gateway charges in India, as of November 2026
These are the standard rates each gateway publishes on its own pricing page, checked in November 2026. GST at 18 percent is extra in every case. "Not published" means the gateway's page gives no figure for that method, so the calculator leaves the rate for you to enter. High-volume businesses usually negotiate lower rates.
| Payment method | Razorpay | PayU | Cashfree | CCAvenue | Instamojo | PhonePe | Paytm |
|---|---|---|---|---|---|---|---|
| UPI | 2% | Not published | 1.95% | 2% | 2% + ₹3 | 1.99% | 0% |
| Debit card (Visa, Mastercard) | 2% | 2% | 1.95% | 2% | 2% + ₹3 | 1.99% | 0.4% |
| RuPay debit card | 2% | Not published | 1.95% | 2% | 2% + ₹3 | 1.99% | 0% |
| Credit card (Visa, Mastercard) | 2% | 2% | 1.95% | 2% | 2% + ₹3 | 1.99% | 1.99% |
| Net banking | 2% | 2% | Not published | 2% | 2% + ₹3 | 1.99% | Not published |
| Wallets | 2% | 2% | 1.95% | 2% | 2% + ₹3 | 1.99% | Not published |
| American Express | 2% | 3% | 2.95% | 3% | Not published | Not published | 2.75% |
| Diners Club | 2% | 3% | Not published | 3% | Not published | Not published | 2.99% |
| Corporate credit card | 2.15% | Not published | Not published | 3% | 3% + ₹3 | Not published | 2.75% |
| Credit card EMI | 2% | 3% | 2.2% | 2% | Not published | Not published | Not published |
| International card | 3% | 3% | 2.99% | 3% | Not published | Not published | 3.5% |
Sources: Razorpay, PayU, Cashfree Payments, CCAvenue, Instamojo, PhonePe Payment Gateway, Paytm Payment Gateway. Razorpay lists international cards as "up to 3%". PayU says UPI pricing varies by business type and volume, so no UPI figure is prefilled. Cashfree describes 1.95% as its standard platform fee; its page does not price net banking or Diners separately. CCAvenue also charges an annual software upgradation charge of ₹1,200 plus GST, waived for the first financial year. Instamojo quotes international and premium cards on request. PhonePe publishes one Standard plan rate (1.99%) with no per-method breakdown; it is prefilled for the main domestic methods only. Paytm figures are from the Standard plan merchant discount rate table for SME merchants on its pricing page (credit cards: "Others" category; debit cards: small-merchant rate). Net banking, wallet and EMI rates are not published there.
The formula
Fee = amount × fee % + flat fee. GST = fee × 18%. Amount you receive = amount − fee − GST.
To work backwards from the amount you want to receive: amount to charge = (target + flat fee × 1.18) ÷ (1 − fee % × 1.18). The fee and the GST are each rounded to the nearest paisa.
How to use the payment gateway charges calculator
Choose whether you want to know what you receive from a payment or what to charge to receive a set amount.
Enter the amount in rupees.
Pick your payment gateway and the payment method the customer uses. The fee fields fill with that gateway's published standard rate.
If you have a negotiated rate, type it over the prefilled fee percentage and flat fee. Leave GST at 18 percent unless the rate changes.
Read the fee, the GST, the total deducted and the settlement amount, then compare the same payment across all seven gateways in the table underneath.
Tips for better results
- Claim the GST: if you are GST-registered, the 18 percent GST on gateway fees is normally available as input tax credit, so your real cost is the fee alone. Check with your accountant.
- Look at your payment mix, not one headline rate. A gateway that is cheaper on credit cards can be dearer on UPI or international cards.
- Settlement speed, refunds and annual charges matter too. CCAvenue, for example, lists an annual software upgradation charge after the first year.
- Passing the fee on to customers as a convenience fee is restricted for some payment methods and categories. Check your gateway's terms before adding one.
- Work out your price before fees with the product pricing calculator, which builds a payment fee into the selling price.
Example
A real-world walkthrough
A Pune yoga studio sells a ₹10,000 annual pass on its website and the customer pays by Visa credit card through Razorpay, whose published rate is 2 percent. The calculator shows a gateway fee of ₹200.00, GST on the fee of ₹36.00, a total deduction of ₹236.00 and a settlement of ₹9,764.00. The effective cost is 2.36 percent of the payment.
The owner wants ₹10,000 to reach the bank, so she switches to "what to charge". The answer is ₹10,241.70: the fee becomes ₹204.83, GST ₹36.87, and exactly ₹10,000.00 is settled. On Instamojo, which publishes 2 percent plus ₹3, the original ₹10,000 payment would cost ₹203.00 plus ₹36.54 GST and settle at ₹9,760.46.
Frequently asked questions
What are payment gateway charges in India?
They are the fee a payment gateway deducts from each successful online payment before settling the money to you. As of November 2026, the published standard rate for domestic cards, net banking and wallets is about 2 percent: Razorpay 2 percent, PayU 2 percent, CCAvenue 2 percent, Cashfree 1.95 percent, PhonePe 1.99 percent and Instamojo 2 percent plus ₹3. International cards, American Express, Diners and corporate cards usually cost around 3 percent. GST at 18 percent is added to the fee.
Is GST charged on payment gateway fees?
Yes. GST at 18 percent applies to the gateway's fee, not to the amount your customer paid. On a ₹200 fee the GST is ₹36. GST-registered businesses can usually claim it back as input tax credit, which is why many merchants compare gateways on the fee before GST.
How do I calculate how much I will receive?
Multiply the payment by the fee percentage and add any flat fee to get the gateway fee. Multiply that fee by 18 percent to get the GST. Subtract both from the payment. For ₹5,000 at 2 percent: fee ₹100, GST ₹18, settlement ₹4,882. The calculator does this for you and rounds each step to the paisa.
How much should I charge to receive an exact amount?
Divide the amount you want by one minus the fee rate including GST. At 2 percent plus 18 percent GST the combined rate is 2.36 percent, so to receive ₹10,000 you charge ₹10,000 ÷ 0.9764 = ₹10,241.70. Choose "what to charge to receive an amount" and the calculator handles flat fees as well.
Are UPI payments free on payment gateways?
It depends on the gateway. UPI carries zero merchant discount rate under government rules, but gateways can charge a platform fee for their service. As of November 2026, Paytm lists 0 percent for UPI, Razorpay states "Zero MDR, 2% platform fee applies", CCAvenue and Instamojo include UPI in their 2 percent pricing, and PayU says UPI pricing varies by business. Check your own agreement.
Which payment gateway has the lowest charges?
There is no single answer, because it depends on how your customers pay and on the rate you negotiate. Use the comparison table under the result: enter a typical order value, choose the method most of your customers use, and it lists the fee and settlement on each gateway at published standard rates. Then weigh settlement time, support and any annual charges.
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