Question 1

What are the payment gateway charges?

Accepted Answer

Razorpay offers a transparent, no-surprise pricing model so you always know what you’re paying for.
The core charge is a per-transaction platform fee, based on the payment method your customer uses:

1. 2% for most domestic payments, including credit/debit cards, netbanking, and wallets
2. 3% for international cards, American Express, Diners Club, and EMI payments
3. 0% for UPI and RuPay debit card payments, in line with government regulations
There are no setup fees, no monthly charges, and no annual maintenance fees on our Standard Plan. You only pay when you earn.
We also offer value-added features like instant refunds, recurring subscriptions, and payment routing, which carry small additional fees based on usage.

Question 2

What exactly does Razorpay's "2% per transaction" fee include?

Accepted Answer

The 2% fee is an all-inclusive charge for processing a successful domestic payment. It covers everything from gateway access and transaction processing to secure settlement into your bank account. There are no extra layers or hidden processing costs tacked on. It applies to cards (except premium ones), netbanking, wallets, and even UPI in select cases.

Question 3

Are the payment gateway charges deducted on a per transaction basis?

Accepted Answer

Yes, 2% of the transaction rate will be charged once the payment is made.

Question 4

Are there any hidden monthly or annual charges for a Razorpay account?

Accepted Answer

No, there are absolutely no hidden fees. Razorpay does not charge any setup fees, annual maintenance charges (AMC), or monthly fees for our Standard Plan. You only pay the transaction fee when a customer makes a successful payment.

Question 5

Why is the fee for Amex and International cards (3%) higher than the standard 2%?

Accepted Answer

The higher rate for American Express, Diners Club, and international cards is due to the higher processing costs charged by these card networks and their issuing banks. These premium services involve more complex routing and different fee structures, which are reflected in our transparent pricing.

Question 6

Are payments via UPI and RuPay Debit Cards truly free for businesses in India?

Accepted Answer

Yes, for most transactions, they are. In compliance with Indian government regulations, Razorpay charges zero fees on all payments made via UPI and RuPay Debit Cards. This makes them the most cost-effective payment methods for your business. Note: A fee may apply to RuPay Credit Card on UPI transactions.

Question 7

Is there a different pricing for QR Code payments?

Accepted Answer

Yes, QR Code payments have their own simple pricing. Payments made by scanning a Razorpay QR Code are charged a separate, competitive flat rate, which is often lower than the standard card processing fee. Please refer to our pricing table for the current rate.

Question 8

Is Goods and Services Tax (GST) included in the 2% transaction fee?

Accepted Answer

No. The transaction fee is exclusive of GST. GST is charged separately at 18% on the fee itself.

For example, if you receive a ₹1,000 payment:

Razorpay fee = ₹20 (2% of ₹1,000)
GST on that fee = ₹3.60 (18% of ₹20)
Total deduction = ₹23.60

You’ll receive a GST-compliant invoice that you can use to claim Input Tax Credit (ITC) if applicable.

Question 9

Are there separate charges for using features like Subscriptions or Route?

Accepted Answer

Yes, value-added services have a small fee on top of the standard transaction charge. Features like Razorpay Subscriptions (for recurring payments) or Route (for payment splitting) have a small additional percentage fee because they provide advanced functionality to automate and manage complex payment flows.

Question 10

What are all the charges involved in accepting a payment of $100 USD from a US client?

Accepted Answer

For a $100 international card payment, the primary charge is our 3% international platform fee. When the payment is made, the $100 is converted to INR based on the real-time exchange rate. The 3% fee is calculated on the converted INR amount. There are no other hidden currency conversion charges from our side.

Question 11

Is there any free payment gateway that I can choose for my business?

Accepted Answer

Unfortunately there isn't. Most payment gateways charge a platform fee for utilising their services, including Razorpay.

Question 12

How much Razorpay charges per transaction?

Accepted Answer

We charge 2% as standard platform fee (Applicable on all transactions)

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