Razorpay Fee Calculator
Calculate Razorpay transaction fees instantly. Covers UPI (2% capped at ₹5), domestic cards (2%), international cards (3%), EMI, and wallet payments.
Disclaimer: This tool is for educational purposes. Results are estimates and should not be taken as professional advice.
Razorpay charges 2% per transaction for domestic debit/credit card payments and net banking, with a minimum charge of ₹3 and no upper cap. UPI payments are charged at 2% with a cap of ₹5 per transaction. International card transactions are charged at 3%.
Razorpay Fee Structure (2026)
| Payment Method | Razorpay Fee | Minimum | Cap |
|---|---|---|---|
| UPI | 2% | ₹0 | ₹5 |
| Domestic Debit Card | 2% | ₹3 | None |
| Domestic Credit Card | 2% | ₹3 | None |
| Net Banking | 2% | ₹3 | None |
| International Cards | 3% | — | None |
| American Express (domestic) | 3% | — | None |
| EMI (issuer EMI) | 2% + bank EMI surcharge | — | None |
| Wallets (Paytm, PhonePe via Razorpay) | 2% | ₹3 | None |
All fees are exclusive of GST (18% GST applies to Razorpay's fee).
How to Use the Razorpay Fee Calculator
- Enter the order/transaction value in rupees (₹).
- Select the payment method (UPI, domestic card, international card, etc.).
- The calculator shows Razorpay's fee, GST on the fee, and your net settlement amount.
Worked Examples
Example 1 — ₹500 UPI Payment: Razorpay fee = 2% of ₹500 = ₹10, capped at ₹5. After 18% GST on the fee: ₹5 × 1.18 = ₹5.90 total deducted. Net received = ₹494.10
Example 2 — ₹10,000 Domestic Credit Card: Razorpay fee = 2% of ₹10,000 = ₹200 GST on fee = ₹200 × 18% = ₹36 Net received = ₹9,764
Example 3 — ₹5,000 International Card: Razorpay fee = 3% of ₹5,000 = ₹150 GST on fee = ₹27 Net received = ₹4,823
FAQ
What are Razorpay's transaction charges?
Razorpay charges 2% for most domestic payment methods (cards, net banking, UPI) and 3% for international cards. UPI has a special cap of ₹5 per transaction regardless of the payment amount. All fees are subject to 18% GST.
Is Razorpay free to set up?
Yes, there are no setup fees or monthly fees for standard Razorpay accounts. You only pay transaction fees when you successfully process a payment. Failed transactions are not charged.
How does Razorpay compare to PayU and CCAvenue?
Razorpay's 2% rate is competitive with PayU (1.99–2.5%) and lower than CCAvenue (typically 2.5–3%). Razorpay's developer documentation and dashboard are generally considered superior for online businesses.
When does Razorpay settle payments?
Standard settlement is T+2 business days (payment received on Monday settled by Wednesday). Early settlement (T+1 or same-day) is available on select plans.