Payment Gateway Charges in India: Razorpay vs Cashfree vs PhonePe (2026 Comparison)
Understanding the precise fee structures of Indian payment aggregators ensures you protect profit margins across high-volume sales.
1. Domestic Debit & UPI Rates
Person-to-Merchant (P2M) UPI transactions on standard consumer apps operate at 0% MDR under Government of India guidelines, while commercial RuPay debit cards carry zero or nominal processing charges.
2. Domestic Credit Card & Netbanking Rates
Standard Visa/Mastercard transactions typically incur a 1.85% to 2.00% + GST fee, while corporate and international credit cards scale up to 3.00%–3.50% + GST.
Vipin Wadhwa
AuthorFounder & Lead Domain Strategist
Advising enterprise founders and scaling brands on high-value domain acquisitions, brand prestige, and digital authority.
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