Payment Gateway Fee Calculator: Fee, GST and Amount You Receive
Free tool · Updated October 2, 2026 · By CouponTalk · Reviewed by CouponTalk Expert Reviews on
Your result
Enter your measurements to see your result.
Quick answer
Payment gateways charge a percentage of each payment, sometimes plus a fixed fee, and 18% GST on that fee. At 2%, a ₹10,000 payment costs ₹200 plus ₹36 GST, so ₹9,764 reaches your bank and the real deduction is 2.36%. On ₹2 lakh a month, that is ₹4,720 in fees.
How to use this calculator
- Enter the payment amount.
- Copy your plan's fee % and any fixed fee from the gateway dashboard.
- Add monthly volume to see your monthly cost.
Formula
Fee = amount × fee % + fixed fee
GST = fee × 18%; amount received = amount − fee − GST
Gateway pricing differs by plan and payment method. Check your current rate card.
Frequently asked questions
Is GST charged on payment gateway fees?
Yes, 18% GST applies to the gateway fee, not to the full payment amount.
Are UPI payments cheaper?
Often yes. Many gateways charge less for UPI than for cards, and rates differ by plan. Check your pricing page.
Can I claim GST credit on gateway fees?
GST-registered businesses can usually claim it as input tax credit. Check with your accountant.
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