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Razorpay Fee Calculators & Rate Breakdown

India premier full-stack payments solution and business banking platform for online businesses, startups, and e-commerce merchants. Calculate live processing deductions below or select a dedicated regional calculator.

₹
₹5 ₹500 ₹1,000 ₹2,500
Presets:
Fee Formula:
Summary
| | |
Razorpay Fee
₹3.20
Effective Rate
3.20%
Net (96.8%) Fee (3.2%)
Calculate ↑

Razorpay Regional Tool Directory

IN (INR) Verified 2026

Razorpay India

Base Rate: 2% + ₹0

Calculate Net Payout →

⚡ Comprehensive Razorpay Fee Guide (2026 Edition)

Razorpay is India leading payment gateway and merchant services provider, powering online payments for over 10 million Indian businesses. Supporting 100+ payment modes including UPI, credit and debit cards, netbanking, and digital wallets, Razorpay operates on a flat MDR structure. In compliance with Reserve Bank of India (RBI) mandates, consumer UPI and RuPay debit transactions carry Zero-MDR (0% fee), while standard domestic Visa, Mastercard, and commercial cards incur 2.0% MDR plus 18% GST.

📊 Razorpay Rate Card & Account Tiers

Domestic Cards, Netbanking & Wallets
2.0% + ₹0 (plus 18% GST)

Standard MDR applied to domestic Visa, Mastercard, netbanking, and popular digital wallets.

UPI & RuPay Debit Cards
0.0% (Zero-MDR Mandate)

RBI statutory exemption: zero processing fees for consumer UPI and domestic RuPay debit.

International Cards
3.0% + ₹0 (plus 18% GST)

Cross-border cards issued abroad in non-INR currencies with automated FIRC generation.

🌍 Razorpay Global Regional Pricing Comparison

Merchant fees vary by geographic jurisdiction due to localized card interchange legislation. Below is the verified 2026 rate comparison for Razorpay:

Country Currency Base Percent Fixed Fee Cross-Border Surcharge Calculator
IN (India) INR 2% ₹0 +1% Calculate →

⚠️ Razorpay Fine Print, Dispute Fees & Payout Terms

Beyond standard transaction percentages, merchant net revenue is affected by ancillary charges and reserve policies:

  • • 18% Goods and Services Tax (GST): Levied by the Indian Government on all gateway processing fees and MDR charges.
  • • International Settlement Currency Markups: Gateways apply standard forex spreads when converting foreign currency inward remittances.
  • • Dispute / Chargeback Admin Fee: ₹0 standard fee, but up to ₹1,500 if merchant fails to submit dispute evidence.
  • • Instant Settlements: 0.15% to 0.30% add-on fee for immediate on-demand bank settlement.
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Frequently Asked Questions About Razorpay Fees

Frequently Asked Questions

Common merchant processing questions and rate card rules.

What is the standard processing fee for Razorpay in India?
Razorpay charges 2.0% MDR on domestic Indian credit cards, netbanking, and commercial cards, plus 18% GST on the fee amount (total effective fee: 2.36%). Consumer UPI and RuPay debit card transactions are 100% free under RBI Zero-MDR rules.
How do I calculate what to charge to cover Razorpay fees? (Razorpay Reverse Formula)
To receive an exact net amount in INR after Razorpay 2.0% MDR (+18% GST = 2.36% effective deduction), use the formula: Required Invoice = Desired Net / (1 - 0.0236). For example, to receive ₹10,000 net payout, charge ₹10,000 / 0.9764 = ₹10,241.71.
Does 18% GST apply to Razorpay transaction fees?
Yes. In India, financial services and payment gateway transaction fees are subject to 18% Goods and Services Tax (GST). Razorpay provides monthly tax invoices for input tax credit (ITC) claims.
Are UPI and RuPay payments completely free on Razorpay?
Yes. In accordance with NPCI and Reserve Bank of India directives, Razorpay charges 0% MDR on consumer UPI app payments and RuPay debit cards.