India Payment Gateway Charges Calculator
Calculate exact transaction fees including 18% GST for all major payment processors
Charges Calculator
Estimated Charges Breakdown
Base Gateway Fee:
₹0.00
+ GST (18% on Gateway Fee):
₹0.00
Total Deduction:
₹0.00
Amount Credited to You:
₹0.00
Payment Aggregators vs Gateways: Feature Comparison
| Feature | Razorpay PAPG | PayU PAPG | Paytm PG | CCAvenue PG | Instamojo PA |
|---|---|---|---|---|---|
| Merchant Account | Provided | Provided | Required | Required | Provided |
| Settlement Time | T+2 to T+7 days | T+2 to T+7 days | T+1 to T+3 | T+2 to T+5 | T+3 to T+7 |
| Transaction Fees | 1.8% - 2.5% | 1.8% - 3% | 1.9% - 2.5% | 2% - 3.5% | 2% + ₹3 |
| UPI Payments | Yes | Yes | Yes | Yes | Yes |
| Cards (Domestic) | Yes | Yes | Yes | Yes | Yes |
| International Payments | Yes | Yes | No | Yes | No |
| Recurring Payments | Yes | Yes | Yes | Yes | No |
| API Integration | Yes | Yes | Yes | Yes | Yes |
| Offline Payments | No | No | Paytm QR | No | No |
How Payment Charges Are Calculated
When you receive ₹10,000 via Razorpay (2% fee + 18% GST):
- Gateway Fee = 2% of ₹10,000 = ₹200
- GST (18%) = 18% of ₹200 = ₹36
- Total Deduction = ₹200 + ₹36 = ₹236
- Amount Credited = ₹10,000 – ₹236 = ₹9,764
Key Differences
Payment Aggregators (PA) provide merchant accounts and handle settlements (Razorpay, PayU, Instamojo)
Payment Gateways (PG) require your own merchant account and focus on processing (Paytm PG, CCAvenue)