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 Gateway has 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.

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.

Online payments on the standard plan carry one flat platform fee on every transaction whatever the payment method, with 18 percent GST added on top and no setup or annual maintenance charge. The category based rates you may see on business.paytm.com belong to the in-store card machine product, not the online gateway, and that page still says UPI is free, which contradicts the online pricing page. Paytm's pricing terms let it change rates without notice and say the final rate is the one communicated after signup, so check your agreement before going live.

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 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.

Payment gateway fee calculator India gateway charges study

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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.