Payment Gateway Fee Calculator
Net settlement after gateway fees + GST on the fee — domestic cards, UPI, international, with the take-home per ₹100.
Formula
Gateway fees attract 18% GST, so a '2%' card fee really costs 2.36% — a detail that compounds on high volumes. UPI is near-zero (MDR waived for small merchants), making it the cheapest rail in India; route price-sensitive flows there and reserve cards for where customers insist.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need payment gateway fee calculator results fast? Analysts, founders, traders and finance professionals use the Payment Gateway Fee Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Payment Gateway Fee Calculator
Net settlement after gateway fees + GST on the fee — domestic cards, UPI, international, with the take-home per ₹100. Gateway fees attract 18% GST, so a '2%' card fee really costs 2.36% — a detail that compounds on high volumes. UPI is near-zero (MDR waived for small merchants), making it the cheapest rail in India; route price-sensitive flows there and reserve cards for where customers insist. The governing relationship is fee = (amount × rate + fixed) × (1 + GST); net = amount − fee. The Payment Gateway Fee Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Payment Gateway Fee Calculator
- 1Enter Transaction amount (₹), Gateway fee (%), Fixed fee per txn (₹), GST on the fee (%) into the Payment Gateway Fee Calculator.
- 2The result is computed automatically using fee = (amount × rate + fixed) × (1 + GST); net = amount − fee — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Payment Gateway Fee Calculator?
- ✓Computes payment gateway fee calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Payment Gateway Fee Calculator?+
Payment Gateway Fee Calculator uses fee = (amount × rate + fixed) × (1 + GST); net = amount − fee. Gateway fees attract 18% GST, so a '2%' card fee really costs 2. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Payment Gateway Fee Calculator need?+
Enter Transaction amount (₹), Gateway fee (%), Fixed fee per txn (₹), GST on the fee (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Payment Gateway Fee Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Payment Gateway Fee Calculator?+
36% — a detail that compounds on high volumes. UPI is near-zero (MDR waived for small merchants), making it the cheapest rail in India; route price-sensitive flows there and reserve cards for where customers insist.
What is the Payment Gateway Fee Calculator based on?+
The method follows authoritative sources: Razorpay/PayU pricing; RBI MDR rules. The formula and references are shown on the page so you can verify and cite the result.
Related Finance tools
Human Life Value (HLV) Calculator
The economic value of your future earnings to your family — the income-replacement basis for sizing a life-insurance cover.
● LiveTerm Life Insurance Coverage Calculator
How much term-life cover you actually need — replacing income, clearing debts and funding goals, net of existing assets and cover.
● LiveDIME Method Life Insurance Calculator
The DIME formula — Debt + Income + Mortgage + Education — a fast, complete way to size a life-insurance cover.
● Live