Razorpay fee calculator with GST

Razorpay charges a platform fee as a percentage of each successful payment, and GST at 18% is added to that fee, not to the sale. On a ₹1,000 payment at 2%, the fee is ₹20, the GST is ₹3.60 and you receive ₹976.40. The total taken is 2.36% of the sale. At a 3% rate the same sums give 3.54%.

Working backwards, the price you must charge is the amount you want divided by one minus the rate times 1.18. To receive ₹1,000 at 2% you charge ₹1,024.17: the fee and GST on that come to ₹24.17, and the rest is your ₹1,000. The tool rounds to the paisa at each step and picks the smallest price whose payout still reaches your target.

Tip: Quoting 2% is quoting before tax. If you plan around the 2% figure you will be short by about a sixth of it.

The presets come from two pages on razorpay.com, both read on 7 October 2026: the pricing page (razorpay.com/pricing) and the blog post “Razorpay Payment Gateway Pricing and Fees Explained”, dated 13 February 2026 (razorpay.com/blog/razorpay-payment-gateway-pricing-explained). They don’t fully agree, which is why every rate is editable here.

The pricing page also says there is no setup fee and no annual fee, and that pricing may vary by business type and volume. Payment Links carry the standard gateway charge with no extra fee for creating the link. The blog describes a new-merchant offer: no platform fee on domestic payments for accounts activated from 1 July 2026, up to ₹5 lakh in sales or 90 days, whichever comes first, with GST still charged on a 2% base and a one-time KYC fee of ₹199 plus taxes. The calculator has a preset for it.

Razorpay’s settlement documentation (razorpay.com/docs/payments/settlements) says domestic payments settle on a T+2 working-day cycle by default, subject to bank approval and the business type, with bank holidays skipped. Its pricing page lists faster options such as instant settlement, which carry their own fee. Refunds go back to the customer’s original payment method.

• Not included: the instant-settlement fee, chargeback costs, currency conversion on international payments, and any income tax.
• Whether you can claim the GST paid on the fee depends on your own GST registration. Ask your accountant.
• Adding the fee to your customer’s price is a decision to check against Razorpay’s and your bank’s rules first.

If you sell through DMFast’s store (India only, paid through Razorpay), DMFast adds no fee on top of your sales. Razorpay’s own fee still applies and is what this calculator shows.