What does Cashfree Payments charge in India?

Standard rate, per transaction

1.95%

excl. 18% GST on the fee · no monthly subscription

you pay only when you take a payment

Cashfree Payments has no monthly sticker price, which is why most directories list it as "custom" and leave you guessing. It bills per transaction at 1.95% per transaction, so your real cost depends on volume. 18% GST applies on the fee, and a registered business reclaims it as input credit.

Cashfree Payments rate card

Published standard rates, as verified from the vendor's own charges page. Rates exclude 18% GST and are negotiable at volume.

Plan	Billing	What you pay
Payment Gateway, domestic (UPI, cards, net banking, wallets)	per transaction	Festive offer: zero platform fee on domestic payment gateway transactions up to a one time GMV cap of 20 lakh rupees, running till 31 March 2027 or until the cap is used. Applied automatically after KYC approval. Excludes Amex, Diners, corporate credit cards, all EMI, prepaid cards, pay later, subscriptions, international cards and any method with MDR of 3 percent or more; not for partner or reseller referred merchants. GST of 18 percent is still charged on the standard 1.95 percent rate. Includes next day settlement.
UPI on RuPay credit card	per transaction	Listed in the help center; the charges page says to ask support or the account manager for this rate. Plus GST.
Credit Card EMI	per transaction	Charges page shows 2.2 percent; help center words it as starting at 1.90 percent plus 0.25 percent. Plus GST. Excluded from the festive offer.
Debit Card EMI	per transaction	HDFC Bank only. Plus GST. Excluded from the festive offer.
Cardless EMI	per transaction	CASHe, HDFC, ICICI, IDFC FIRST, TVS Credit, LazyPay, HDB Financial, Snapmint, Simpl, ZestMoney. Plus GST. Excluded from the festive offer.
Pay Later	per transaction	LazyPay and Simpl, shown against a struck 2.50 percent. Plus GST. Excluded from the festive offer.
International cards, Visa and Mastercard	per transaction	Plus GST, plus a forex conversion charge when settled in a currency other than INR. Excluded from the festive offer.
American Express	per transaction	Plus GST. Excluded from the festive offer.
PayPal	per transaction	Standard payment gateway charges apply on the Cashfree side; PayPal's own fees apply if PayPal Express Checkout is enabled.
Virtual bank accounts (IMPS, NEFT, RTGS)	per transaction	Flat fee starting at this amount per transaction. Plus GST.
Subscriptions, cards, e-mandate and UPI Autopay	per transaction	Same amount again per debit presentation for cards and e-mandate. UPI Autopay presentation is 5 rupees below a 1000 rupee debit and 15 rupees at 1000 and above. Per transaction platform fee applies separately. Excluded from the festive offer.
Easy Split	per transaction	Marketplace split settlements, shown against a struck 0.25 percent. Requires the payment gateway.
Instant Settlements	per transaction	Price excludes GST; may vary with the instant settlement type and the risk assessment of the business.
Premium services	per transaction	Quote only. Annual maintenance charge, amount not published: dedicated account manager, priority support with a 30 minute response, faster dispute resolution. Optional; the help center says there is no AMC on the standard account.
Enterprise	per transaction	Quote only. Custom pricing, dedicated account manager, early access, WhatsApp support.

Cashfree charges a percentage of each successful transaction, deducted before settlement, with no setup fee or monthly charge; GST at 18 percent is added on top and Cashfree issues GST e-invoices monthly so you can claim input tax credit. New merchants who sign up between 21 July 2026 and 31 March 2027 pay no platform fee on domestic transactions up to a one time GMV cap, but GST is still charged on the standard rate and the offer can be withdrawn if credit cards make up most of your volume. EMI, pay later, Amex, corporate cards and international cards are always billed at their own higher rates, and instant settlement, split payments and subscriptions carry separate fees.

What a percentage rate actually costs you

Cost scales with volume

A monthly plan is capped; a per-transaction rate is not. At low volume a percentage rate is the cheaper deal, and past a certain point a flat monthly tool wins. Model your own volume before assuming "no monthly fee" means cheaper.

18% GST on the fee, not the sale

GST is charged on the transaction fee, not on the full value you process. A registered business reclaims it as input credit, so the fee before GST is the number that matters. Only an unregistered buyer bears the full 18%.

Indicative, not a quote. Published rates are standard retail rates for a new account and are commonly negotiated down at volume. Confirm current rates with the vendor before you commit. Rates last verified 12 Nov 2026.

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What will Cashfree Payments cost on your volume?

A rate card does not tell you the bill. Put in your monthly volume and average order value to see the fee across the main India gateways, GST included.

Payment gateway fee calculator India gateway charges study

Before you commit to Cashfree Payments

Cashfree Payments charges, answered

How much does Cashfree Payments charge in India?: Cashfree Payments charges 1.95% per transaction, plus 18% GST on the fee. There is no fixed monthly subscription; you pay only when you take a payment. Standard 1.95%; Amex 2.95%, international 2.99%.
Does Cashfree Payments have a monthly fee or setup cost?: Cashfree Payments is billed on usage rather than a flat monthly plan. Setup, maintenance or annual charges vary by contract, so confirm them with the vendor before signing.
Is GST charged on Cashfree Payments fees?: Yes. 18% GST applies on the fee itself, not on the full transaction value. A GST-registered business reclaims it as input credit, so the real cost is the fee before GST. An unregistered buyer bears the full 18%.
Can Cashfree Payments rates be negotiated?: Usually, at volume. Published rates are the standard retail rates for a new account. Once you have consistent monthly volume, most India vendors in this category will quote a lower rate, so treat the published figure as a ceiling rather than a fixed price.