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Paytm Payment Gateway · Online payment gateways and billing tools
FindThatSoftwareIndia charges
What does Paytm Payment Gateway charge in India?
Standard rate, per transaction
Per transaction
no fixed monthly price · rates below
you pay only when you take a payment
Paytm Payment Gatewayhas no monthly sticker price, which is why most directories list it as "custom" and leave you guessing. It bills 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
Paytm Payment Gateway 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 Pricing Plan | per transaction | For startups, small and medium businesses. 1.99% platform fee on ALL transactions, plus 18% GST. Zero setup fee, zero annual maintenance charge, no software upgrade charge. Real-time bank settlement, dedicated key account manager, 24x7 merchant helpdesk. Note: this flat 1.99% replaces the older per-instrument MDR card. The per-instrument grid (UPI 0%, RuPay debit 0%, other debit 0.40%, credit 1.40-1.99%, Amex/intl 2.75%+) now applies only to the in-store EDC / card-machine product, not the online gateway. |
| Enterprise Pricing Plan | per transaction | Quote-only. For large businesses: 'Consult our experts for a custom pricing plan that's built for scale.' No published rate. |
Verified ~June 2026 from Paytm for Business pricing. No setup fee and no annual maintenance charge; per-transaction pricing varies by payment source and merchant category. Reported around 1.40% for grocery/kirana, 1.20% for tolls/government/utilities/education, and 1.99% for other categories. Exact rates depend on method and category and change over time. Confirm at https://business.paytm.com/pricing before relying on these figures.
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 Paytm Payment Gateway 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
Paytm Payment Gateway charges, answered
- How much does Paytm Payment Gateway charge in India?
- Paytm Payment Gateway does not charge a fixed monthly price. You pay per transaction, so the cost scales with your volume, and 18% GST applies on the fee. For startups, small and medium businesses. 1.99% platform fee on ALL transactions, plus 18% GST. Zero setup fee, zero annual maintenance charge, no software upgrade charge. Real-time bank settlement, dedicated key account manager, 24x7 merchant helpdesk. Note: this flat 1.99% replaces the older per-instrument MDR card. The per-instrument grid (UPI 0%, RuPay debit 0%, other debit 0.40%, credit 1.40-1.99%, Amex/intl 2.75%+) now applies only to the in-store EDC / card-machine product, not the online gateway.
- Does Paytm Payment Gateway have a monthly fee or setup cost?
- Paytm Payment Gateway 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 Paytm Payment Gateway 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 Paytm Payment Gateway 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.