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PhonePe Payment Gateway · Online payment gateways and billing tools
FindThatSoftwareIndia charges
PhonePe Payment Gateway · Online payment gateways and billing toolsWhat does PhonePe 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
PhonePe 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
PhonePe 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 | per transaction | 1.99% per txn; free setup and AMF; currently waived under limited-time Super Saving Offer. UPI from bank free |
| Enterprise | per transaction | custom; personalised pricing for high-volume, dedicated account manager |
Verified ~June 2026 from PhonePe's business pricing pages. No setup fee; per-transaction pricing only, standard around 1.95%, with promotional zero-fee periods advertised for limited times and methods/merchants. UPI rates are often lower than card rates. Exact effective rate depends on your payment-method mix, category, and any live promotion. Confirm at https://www.phonepe.com/business-solutions/payment-gateway/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 PhonePe 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
PhonePe Payment Gateway charges, answered
- How much does PhonePe Payment Gateway charge in India?
- PhonePe 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. 1.99% per txn; free setup and AMF; currently waived under limited-time Super Saving Offer. UPI from bank free
- Does PhonePe Payment Gateway have a monthly fee or setup cost?
- PhonePe 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 PhonePe 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 PhonePe 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.