What 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 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.

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 Plan (Super Savings Offer)	per transaction	Limited period offer: zero transaction fee, terms apply. The page gives no end date and does not link the offer terms. Zero setup fee and zero annual maintenance fee. GST at 18 percent applies on the fee.
Standard Plan	per transaction	Regular rate, shown struck through beside the Free offer. The vendor says GST at 18 percent is charged on top of the fee and that rates can vary slightly by payment method, but no per method table is published. Zero setup fee and zero annual maintenance fee.
Enterprise Plan	per transaction	Quote only. Negotiated rates for high volume businesses based on monthly volume and payment mix, with priority onboarding and a dedicated account manager.

Pricing is a percentage of each successful transaction, billed in rupees, with no setup fee and no annual maintenance fee. The regular Standard Plan rate is shown struck through next to a limited period zero fee offer whose end date and terms are not published, and the vendor says GST at 18 percent is added to the fee. Rates can differ by payment method but no per method table is shown, so get your method by method rates in writing 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 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.

Payment gateway fee calculator India gateway charges study

Before you commit to PhonePe Payment Gateway

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. Limited period offer: zero transaction fee, terms apply. The page gives no end date and does not link the offer terms. Zero setup fee and zero annual maintenance fee. GST at 18 percent applies on the fee.
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.