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Cashfree Payments · Online payment gateways and billing tools
FindThatSoftwareIndia charges
Cashfree Payments · Online payment gateways and billing toolsWhat 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 Paymentshas 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.
Rates
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 |
|---|---|---|
| Standard (pay-per-transaction)no fixed fee | per transaction | No setup/monthly fee; cards 1.95%, UPI 1.6% (new-merchant promo till 31 Jul 2026, else std), RuPay & UPI 0% base + 0.25% platform fee |
| International cards | per transaction | Intl cards 3.5% + Rs7/txn (Visa/Mastercard); or 2.69% + 0.25% platform fee per source |
Verified June 2026 from Cashfree's official charges page. No setup fee and no annual maintenance charge (AMC); per-transaction pricing only. Promotional domestic rate of 1.6% (vs standard 1.95%) applies to UPI, domestic cards, net banking, wallets, and prepaid cards for merchants signing up between 18 Sep 2025 and 30 Apr 2026, locked in for 12 months from signup. Promotional rate eligibility requires monthly transaction volume not exceeding 1 Crore and UPI being at least 40% of monthly GTV. International cards run about 2.69% promotional and 2.99% standard (Visa/Mastercard), 2.95% (Amex), capped at 10 Lakh per month before reverting to standard. Virtual bank accounts carry a small platform fee; forex conversion fees apply on non-INR transactions. Multiple third-party sources cite UPI/RuPay as 0%, but this figure was not confirmed verbatim on the official charges page during this check, and exact category rates may vary by merchant and time. Confirm current figures at https://www.cashfree.com/payment-gateway-charges/ before relying on them.
Why this number
What a percentage rate actually costs you
Cost scales with volume
A monthly plan is capped; a per-transactionrate 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 Jul 29, 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.
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FAQ
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 lists a no-fixed-fee option, so you can start without a monthly commitment and pay per transaction instead. Check the vendor page for any setup or maintenance charges before you sign.
- 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.