Razorpay Fee Calculator & Reverse Invoice Mode (India)
Calculate exact Razorpay 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.
💵 Razorpay Payout Benchmarks (How much does Razorpay take?)
2026 Rate CardQuick reference for how much Razorpay deducts in fees from standard sales amounts in INR:
| Gross Sale Amount | Razorpay 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 Razorpay across monthly sales tiers in INR.
| Volume Tier | Monthly Sales | Razorpay 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 Razorpay Refund Processing Fees on Customer Returns?
Non-Refundable PolicyNo, Razorpay 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 Razorpay.
-₹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 Razorpay fees perform under different order sizes.
UPI & RuPay Transaction (₹2,000)
RBI Zero-MDR mandate ensures 100% net settlement with zero processing deduction on UPI.
Domestic Credit Card / Netbanking (₹5,000)
Reflects 2.0% base gateway MDR plus mandatory 18% Indian GST on processing charges.
B2B SaaS Retainer (₹50,000)
Predictable 2.36% proportional cost across invoice amounts with zero fixed-fee drag.
🔄 How to Reverse Calculate Razorpay 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 Razorpay?"
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 Razorpay Charge Descriptor on Credit Card Statements?
Cardholders searching "what is razorpay charge on my bank statement?" see distinct descriptors depending on how the merchant configured their checkout:
RAZORPAY * [MERCHANT STORE NAME]
RAZORPAY PAYMENTS LLC / INC
Important Razorpay Rate Terms & Fine Print
- • 18% Goods and Services Tax (GST) is levied on all payment gateway service charges (effective domestic fee: 2.36%).
- • International credit cards incur 3.0% MDR plus 18% GST (effective fee: 3.54%), plus currency conversion spreads.
🔄 How to Calculate What to Charge to Receive an Exact Net Amount (Razorpay Reverse Formula)
Target Payout Engineering & Customer Invoice Pass-Through
If you want to receive an exact net amount (e.g. ₹1,000 net) after Razorpay 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)
Razorpay operates in full compliance with Reserve Bank of India (RBI) directives. Consumer UPI and RuPay debit transactions carry Zero-MDR (0% fee). Standard domestic credit cards and netbanking incur 2.0% MDR plus mandatory 18% Goods and Services Tax (GST).
How the Razorpay India Calculation Works
When processing a transaction on Razorpay 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 the standard Razorpay fee in India?
How do I calculate what to charge to cover Razorpay fees? (Reverse Formula)
Does 18% Indian GST apply to Razorpay transaction fees?
Are UPI payments free on Razorpay?
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