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Razorpay · Online payment gateways and billing tools
FindThatSoftwareIndia charges
Razorpay · Online payment gateways and billing toolsWhat does Razorpay 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
Razorpayhas 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
Razorpay 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 |
|---|---|---|
| Payment Gateway - Domestic (Standard) | per transaction | Flat 2% platform fee on every successful domestic transaction, plus 18% GST. Rs 0 setup fee, Rs 0 AMC, Rs 0 refund fee, Rs 0 integration/support fee. Applies to Visa/Mastercard/Amex/Diners debit and credit, UPI, RuPay debit, RuPay credit on UPI, netbanking (72+ banks), wallets, Pay Later, card and cardless EMI. Exception on the same card: corporate/business credit cards 2.15%. UPI is MDR-free per RBI, so the 2% is charged as a platform/technology fee, not MDR. Fees deducted at source, settlement T+1 or instant. |
| International Payments - Cards | per transaction | Up to 3% per successful international card transaction, plus 18% GST. Rs 0 setup, Rs 0 AMC. FIRC/eFIRC auto-generated and included. Visa, Mastercard, Amex, Diners, Discover, JCB, UnionPay. 135 currencies, 180+ countries. Operates under RBI PA-CB licence. PayPal transactions charged at PayPal's own rates. |
| International Bank Transfers - MoneySaver Export Account (Standard) | per transaction | 1% per transaction (GST applicable) with 0% FX markup at live exchange rate, Rs 0 setup, Rs 0 AMC. Virtual multi-currency accounts for SWIFT, ACH (USD), SEPA (EUR), Faster Payments (GBP). Enterprise tier is custom on all four lines. |
| QR Codes - UPI QR | per transaction | 0.99% per UPI QR transaction. Card payments on Bharat QR are 2.0%. |
| Smart Collect | per transaction | 1% or Rs 10 per transaction, whichever is lower, so effectively capped at Rs 10 per collection. Virtual bank accounts and virtual UPI IDs for reconciliation. |
| No-Code Tools (Payment Pages & Payment Buttons) | per transaction | 0.2% plus the standard payment gateway fee per transaction. |
| Route (Payment Splitting) | per transaction | 0.1% plus platform fees per transaction. Splits payments across linked bank accounts and issues instant refunds. |
| Subscriptions - Cards | per transaction | 0.9% plus platform fees per transaction on Visa/Mastercard/Amex/Diners. UPI Autopay, NACH and e-Mandate recurring rails are pricing-available-on-request and not published. |
| Instant Refund | per transaction | Flat per-refund fee slab: up to Rs 1,000 = Rs 7.99, Rs 1,000-25,000 = Rs 11.99, above Rs 25,000 = Rs 14.99. Standard (non-instant) refunds are Rs 0. |
| Razorpay POS | per transaction | MDR card, all plus GST: credit card (Visa/MC/RuPay) 1.30% groceries and supermarket, 1.10% utility/govt/education/fuel/insurance/transport, 1.75% other segments. International/corporate/Amex/Diners 3.00%. Debit card and BQR-via-debit (ex-RuPay) 0.40% below Rs 2,000 and 0.90% above Rs 2,000. UPI and RuPay debit 0.00%. RuPay credit on UPI 2.00%. Debit-card EMI processing 1.0%. 10+ devices = custom quote. |
| Bajaj Finance EMI | per transaction | Razorpay platform charge by tenure, GST and PG fees charged on top: 3 mo = 6.00% (loan Rs 5,050-30,000), 4 mo = 7.00% (Rs 3,500-40,000), 6 mo = 8.00% (Rs 9,000-60,000), 9 mo = 11.00% (Rs 13,500-90,000), 12 mo = 13.50% (Rs 18,000-1,20,000). |
| Magic Checkout | per transaction | Enterprise / contact-sales only, no published rate. Priced on volume, business model and use case. |
| Optimizer (Payments Orchestration) | per transaction | Customised pricing only, available on request. |
| TokenHQ | per transaction | Customised pricing only, available on request. |
| Enterprise | per transaction | Custom pricing for businesses processing over Rs 5,00,000 per month: volume-based rates, dedicated account management, custom settlement cycles, SLA guarantees. Quote only. |
Verified Jun 2026 (official pricing): Standard plan charges a flat 2% per successful domestic transaction (cards, UPI, netbanking, wallets) with no setup, annual, or refund fees; 18% GST applies on the fee. International cards up to 3%. Settlement T+1 (instant available).
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 14, 2026.
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FAQ
Razorpay charges, answered
- How much does Razorpay charge in India?
- Razorpay charges 2% per transaction, plus 18% GST on the fee. There is no fixed monthly subscription - you pay only when you take a payment. Flat 2% on domestic methods; international up to 3%.
- Does Razorpay have a monthly fee or setup cost?
- Razorpay 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 Razorpay 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 Razorpay 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.