Razorpay Fee Calculator
Model Razorpay charges on domestic and international payments in India.
Introduction
Razorpay dominates online payments for Indian startups, D2C brands, and SaaS companies. Fees vary by payment method — UPI settlements often cost less than international cards — but headline rates give a workable starting point for pricing decisions.
GST on payment gateway services adds another layer Indian merchants must track for accounting. This calculator models the core processing percentage before tax adjustments.
Enter your order value in INR, set rates matching your Razorpay plan, and see net settlement instantly. Switch between domestic and international presets to reflect different card origins.
How it works
- 1
Enter the transaction amount in rupees.
- 2
Apply the fee percentage from your Razorpay agreement. Domestic routes often start near 2%.
- 3
International card payments typically carry higher rates — use the international preset or enter your quoted figure.
- 4
Review net received and gross order value for target payouts.
Formula
Razorpay gateway fees on standard plans follow percentage-based pricing.
Forward calculation
Gateway Fee = Amount × Fee % (+ Fixed Fee if applicable)Reverse calculation
Order Value = (Target Net + Fixed Fee) ÷ (1 − Fee % ÷ 100)Worked examples
₹999 D2C order — domestic UPI/card
A skincare brand processes a ₹999 order through Razorpay.
- Amount: ₹999
- Fee: 2%
- Total fee: ₹19.98
Net settlement: ₹979.02 before GST on gateway services.
₹5,000 international card payment
A SaaS company charges an overseas customer ₹5,000 on an international card.
- Amount: ₹5,000
- Fee: 3%
- Total fee: ₹150
Net received: ₹4,850.
Benefits of using this Razorpay fee tool
- Price products in INR with gateway costs factored in.
- Compare domestic UPI economics against card acceptance.
- Forecast Razorpay settlement amounts for daily reconciliation.
- Support investor metrics with accurate payment cost assumptions.
Common mistakes
Using one rate for UPI and international cards
Razorpay pricing differs by instrument. UPI, domestic cards, and international cards each have distinct schedules.
Ignoring 18% GST on gateway fees
Indian businesses pay GST on payment gateway service charges. Add 18% to the calculated fee for books-accurate costing.
Forgetting refund and dispute fees
Chargebacks and certain refund scenarios may carry additional Razorpay charges beyond standard processing.
Frequently asked questions
What is Razorpay's standard fee for domestic payments?
Domestic transactions often start around 2% depending on payment method and volume. UPI routes may differ from credit card routes.
Does Razorpay charge for UPI?
UPI acceptance through Razorpay typically carries lower fees than international cards. Check your specific plan for exact UPI pricing.
Razorpay vs Stripe in India?
Razorpay offers deep local method coverage; Stripe serves global SaaS needs. Compare using your dominant payment method mix.
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Conclusion
Razorpay fees shift by payment instrument and negotiated volume tiers. Start with this calculator for quick INR estimates, then validate against your Razorpay dashboard before month-end close.
