PayU Fee Calculator & Reverse Invoice Mode (India)
Calculate exact PayU India merchant fees, processor losses, and net payouts in INR, or use Reverse Mode to bill clients accurately.
Embed Calculator Widget
Free, zero-latency payment fee widget for your blog, agency portal, or website.
✓ 100% Free & Open Access
No API key or user tracking required. Automatically updates for latest 2026 fee schedules.
💵 PayU Payout Benchmarks (How much does PayU take?)
2026 Rate CardQuick reference for how much PayU deducts in fees from standard sales amounts in INR:
| Gross Sale Amount | PayU Fee | Net Take-Home Payout | Effective Fee % |
|---|---|---|---|
| ₹10 | -₹0.20 | ₹9.80 | 2.00% |
| ₹50 | -₹1.00 | ₹49.00 | 2.00% |
| ₹100 | -₹2.00 | ₹98.00 | 2.00% |
| ₹500 | -₹10.00 | ₹490.00 | 2.00% |
| ₹1,000 Most Searched | -₹20.00 | ₹980.00 | 2.00% |
| ₹2,500 | -₹50.00 | ₹2450.00 | 2.00% |
| ₹5,000 | -₹100.00 | ₹4900.00 | 2.00% |
Monthly Volume Breakdown
Estimated cumulative fee losses on PayU across monthly sales tiers in INR.
| Volume Tier | Monthly Sales | PayU Fees | Net Take-Home Payout | Effective Cost % |
|---|---|---|---|---|
| Starter | ₹500.00 | -₹10.00 | ₹490.00 | 2.00% |
| SMB Merchant | ₹2,500.00 | -₹49.50 | ₹2,425.50 | 2.00% |
| Mid-Market Store | ₹10,000.00 | -₹199.20 | ₹9,760.80 | 2.00% |
| High-Volume Enterprise | ₹50,000.00 | -₹1,000.00 | ₹49,000.00 | 2.00% |
⚠️ Does PayU Refund Processing Fees on Customer Returns?
Non-Refundable PolicyNo, PayU does NOT refund payment processing fees when a merchant issues a customer refund. When a order is canceled or returned, the original processing fee is permanently retained by PayU.
-₹2.00 Lost
You must refund ₹100 to the buyer out of pocket, losing ₹2.00.
-₹20.00 Lost
You must refund ₹1,000 to the buyer out of pocket, losing ₹20.00.
Example Transaction Scenarios
Real-world math illustrating how PayU fees perform under different order sizes.
UPI Payment (₹1,000)
Zero processing deductions on consumer UPI.
Credit Card Payment (₹10,000)
2.0% base rate + 18% GST equals 2.36% effective deduction.
🔄 How to Reverse Calculate PayU India Fees ("Ask Customer / Invoice Mode")
Freelancers, agencies, and e-commerce merchants frequently ask: "If I want to receive exactly ₹100.00 net, how much must I charge my client on PayU?"
Reverse Calculation Mathematical Formula
Toggle the interactive calculator above to Reverse Mode to automatically calculate invoice billing amounts for any custom payout target in INR.
💳 What is the PayU Charge Descriptor on Credit Card Statements?
Cardholders searching "what is payu charge on my bank statement?" see distinct descriptors depending on how the merchant configured their checkout:
PAYU * [MERCHANT STORE NAME]
PAYU PAYMENTS LLC / INC
Important PayU Rate Terms & Fine Print
- • 18% GST is added to all PayU transaction MDR charges.
- • International credit cards incur 3.0% MDR plus 18% GST.
🔄 How to Calculate What to Charge to Receive an Exact Net Amount (PayU Reverse Formula)
Target Payout Engineering & Customer Invoice Pass-Through
If you want to receive an exact net amount (e.g. ₹1,000 net) after PayU deducts its 2% + ₹0 processing fee, you cannot simply add 2% to your price. Because the processor percentage is deducted from the higher invoice total, adding a simple markup leaves you short. You must use the official Reverse Fee Formula:
Regulatory Context & Calculation Methodology
Localized Regulatory Context (India)
PayU processes transactions under RBI payment aggregator regulations with 0% Zero-MDR on consumer UPI and RuPay debit cards, and 2.0% MDR on domestic commercial credit cards and netbanking.
How the PayU India Calculation Works
When processing a transaction on PayU in India, the total fee is computed using a combination of a fixed transaction charge (₹0) and a percentage fee (2%).
Frequently Asked Questions
Common merchant processing questions and rate card rules.
What is PayU payment gateway fee in India?
How to reverse-calculate PayU fees?
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