Zoho Payments charges
Zoho Payments’ published fees for UPI, cards, net banking, wallets and international cards, with GST, what you receive on a ₹10,000 payment and when the money arrives.
Last checked 26 Oct 2026 against official pages
| Payment method | Fee | You receive on ₹10,000 | Arrives | Status |
|---|---|---|---|---|
| UPI (bank account) | 0.5% + 18% GST | ₹9,941.00 | In 1 working day (T+1) | Verified |
| UPI via RuPay credit card | 2.15% + 18% GST | ₹9,746.30 | In 1 working day (T+1) | Verified |
| UPI on Credit Line | 2% + 18% GST | ₹9,764.00 | In 1 working day (T+1) | Verified |
| Debit card | up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹9,764.00 | In 2 working days (T+2) | Verified |
| RuPay debit card | up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹9,764.00 | In 2 working days (T+2) | Unverified |
| Credit card | up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹9,764.00 | In 2 working days (T+2) | Verified |
| Corporate credit card | up to ₹2,000: 2.75% (no GST) · above ₹2,000: 2.75% + 18% GST | ₹9,675.50 | In 2 working days (T+2) | Verified |
| Amex | up to ₹2,000: 3% (no GST) · above ₹2,000: 3% + 18% GST | ₹9,646.00 | In 2 working days (T+2) | Verified |
| Amex corporate credit | up to ₹2,000: 3.5% (no GST) · above ₹2,000: 3.5% + 18% GST | ₹9,587.00 | In 2 working days (T+2) | Verified |
| Net banking | 2% + 18% GST | ₹9,764.00 | In 2–3 working days (T+2 to T+3) | Unverified |
| Wallet | 2% + 18% GST | ₹9,764.00 | Not published | Unverified |
| Bank transfer (NEFT/RTGS/IMPS) | 1% (cap ₹10) + 18% GST | ₹9,988.20 | Not published | Verified |
| International card | 3% + 18% GST | ₹9,646.00 | In 2 working days (T+2) | Verified |
| International Amex | 3.5% + 18% GST | ₹9,587.00 | In 2 working days (T+2) | Verified |
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App
Payment method
₹
You receive
₹9,941.00, after ₹59.00 in fees
Fees include GST on the fee only, never on your payment. Figures are estimates from published pricing; your contract or dashboard has the final word. Clarifee isn’t affiliated with or paid by Zoho Payments.
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