Razorpay fees & pricing
Razorpay Software Pvt. Ltd. · Flat rate · best for Indian businesses and India-facing merchants
Razorpay uses flat rate pricing. Its headline rate is 2.00%, which works out to about 2.00% effective on a $50.00 sale. International / cross-border: International cards ~3% + GST. Chargeback fee: Per-network dispute fee + GST. Monthly fee: INR 0 standard; enterprise plans negotiated. India's leading gateway: standard domestic cards, UPI and netbanking are about 2% + 18% GST on the fee; international cards run about 3% + GST. UPI is heavily favored and often near-zero cost for low-value transactions under government rules. Fees quoted in INR + GST.
Source: Razorpay Software Pvt. Ltd. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Razorpay fee structure
| Pricing model | Flat rate |
|---|---|
| Headline rate | 2.00% |
| Monthly fee | INR 0 standard; enterprise plans negotiated |
| International / cross-border | International cards ~3% + GST |
| Chargeback fee | Per-network dispute fee + GST |
| Payout speed | T+2 (standard) or instant for a fee |
| Best for | Indian businesses and India-facing merchants |
Source: Razorpay Software Pvt. Ltd. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 2.00% | $0.20 | 2.00% |
| $50.00 | 2.00% | $1.00 | 2.00% |
| $200.00 | 2.00% | $4.00 | 2.00% |
Source: Razorpay Software Pvt. Ltd. pricing page. Data as of June 2026.
Cost pros & cons
Where Razorpay saves money
- Best-in-class for India (UPI, netbanking, cards)
- No monthly fee on standard plan
- Strong local payment-method coverage
Watch-outs
- India-only acquiring
- 18% GST stacks on every fee
- International card rate ~3%
Frequently asked questions
What are Razorpay's payment-processing fees?
Razorpay charges 2.00% on card payments. For a $50.00 transaction that works out to roughly 2.00% effective. Monthly fee: INR 0 standard; enterprise plans negotiated. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Razorpay charge a monthly or setup fee?
INR 0 standard; enterprise plans negotiated.
How much does Razorpay charge for international cards and chargebacks?
International / cross-border: International cards ~3% + GST. Chargeback / dispute fee: Per-network dispute fee + GST. International cards and disputes can dominate the effective rate for global merchants.
Is Razorpay good for my business?
Razorpay is best for Indian businesses and India-facing merchants. Best-in-class for India (UPI, netbanking, cards). Watch out: india-only acquiring. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Razorpay Software Pvt. Ltd.'s pricing page (as of June 2026). Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29