One rate per method, published here, the same for a two-person shop in Tiruppur and a marketplace in Bengaluru. The fee comes off the settlement, so there is never an invoice to chase.
| method | per transaction | settlement | note |
|---|---|---|---|
| UPI Intent, collect, QR, AutoPay | 0.25%+ ₹0 | T+1 | Free on payments under ₹2,000 |
| Cards Visa, Mastercard, RuPay, Amex; debit and credit | 1.75%+ ₹2 | T+1 | RuPay debit at 0% as per RBI |
| Netbanking 71 banks | 1.20%+ ₹5 | T+2 | Corporate accounts included |
| Wallets and EMI 3 wallets, 14 EMI issuers | 1.50%+ ₹0 | T+1 | EMI subvention billed separately |
| International cards USD, EUR, GBP, AED, SGD | 2.90%+ ₹5 | T+2 | Conversion at the RBI reference rate + 1% |
No setup fee, no annual maintenanceNothing to pay before your first payment, and nothing if a month goes by without one. Sandbox is free forever.
GST on fees only18% GST applies to our fee, not to your payment. It appears as a separate line on every settlement and on a monthly invoice with your GSTIN.
Settlement to any Indian bankT+1 means the next working day by 09:00 IST, in one batch with a UTR. Instant settlement, 24×7 within ten minutes, is an optional +0.10%.
Refunds are freeFull or partial, to the original method. Our fee on the original payment is not returned.
Disputes₹250 only on a chargeback you lose. We file the evidence you upload and most are won at the first stage.
Volume above ₹5 crore a monthTalk to us. Rates step down with volume and we will put them in writing before you switch.
Put in your volume and how it splits across methods. The numbers use the rates above, including the free UPI band and GST.
| method | volume ₹ | payments | fee ₹ |
|---|---|---|---|
| UPI · free under ₹2,000 | 15,50,000 | 1,824 | 0.00 |
| Cards | 6,00,000 | 706 | 11,912.00 |
| Netbanking | 2,25,000 | 265 | 4,025.00 |
| International cards | 1,25,000 | 147 | 4,360.00 |
Fees are deducted from each settlement, so ₹24,76,050 reaches your bank. No setup fee, no annual maintenance, no minimum.
Send us last month's statement from your current gateway and we will reply with a line-by-line comparison in one working day.