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PayU · Online payment gateways and billing tools
FindThatSoftwareIndia charges
What does PayU charge in India?
Standard rate, per transaction
2%
excl. 18% GST on the fee · no monthly subscription
you pay only when you take a payment
PayUhas no monthly sticker price, which is why most directories list it as "custom" and leave you guessing. It bills per transaction at 2% 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
PayU 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 |
|---|---|---|
| Pay as you use - domestic | per transaction | 2% for Visa, Mastercard, Net Banking, BNPL and Wallets on domestic transactions only. 18% GST applies on all transactions (quoted rate is pre-GST). No set-up, onboarding or annual maintenance fee, pay only for completed transactions. Standard settlement T+2, same-day/priority settlement may carry a nominal fee by business profile. Note: UPI is NOT in the 2% slab. UPI P2P has zero MDR per government guidelines, and for merchant UPI categories pricing varies by business type and volume (unpublished). |
| Pay as you use - premium and international | per transaction | 3% for Diners, American Express, EMI and international transactions. 18% GST extra. No setup fee. |
| Custom / Enterprise | per transaction | Quote-only. Custom MDR slabs by transaction volume, industry type and business model. Lower MDR for high-volume/enterprise merchants, dedicated account manager, priority support. PayU reserves the right to change pricing at its discretion. |
No monthly subscription. PayU charges 2% per transaction for domestic cards, net banking, wallets and BNPL, and 3% for EMI, Amex, Diners and international, plus 18% GST (2.36% and 3.54% all-in). UPI and high-volume rates are quoted case by case.
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 PayU 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
PayU charges, answered
- How much does PayU charge in India?
- PayU charges 2% per transaction, plus 18% GST on the fee. There is no fixed monthly subscription - you pay only when you take a payment. Commonly ~2% + GST; confirm your rate at onboarding.
- Does PayU have a monthly fee or setup cost?
- PayU 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 PayU 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 PayU 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.