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EMI payment gateway charges in India

Of the 4 payment gateways that publish a rate for EMI payments, CCAvenue leaves you the most from a ₹10,000 payment: ₹9,764.00 (2% + 18% GST). PayU and Razorpay leave you the least: ₹9,646.00 (3% + 18% GST).

Published rates, last checked 26 Oct 2026. Ranked only by what you receive.

Payment gateway fees for EMI payments, ranked by what you receive
AppFeeYou receive on ₹1,000You receive on ₹10,000You receive on ₹1 lakhArrivesStatus
CCAvenueLeaves you the most2% + 18% GST₹976.40₹9,764.00₹97,640.00Not publishedVerified
Cashfree Payments2.2% + 18% GST₹974.04₹9,740.40₹97,404.00In 1–2 working days (T+1 to T+2)Unverified
PayU3% + 18% GST₹964.60₹9,646.00₹96,460.00In 2 working days (T+2)Verified
Razorpay3% + 18% GSTNot available at this amount₹9,646.00₹96,460.00In 2 working days (T+2)Unverified

Work it out for your own amount

Pick any app and amount. The calculator starts on the option that leaves you the most.

App

Payment method

₹

You receive

₹9,764.00, after ₹236.00 in fees

The official rules

  • GST at 18% on payment-processing fees

    In force from 1 Jul 2017

    Residual financial services under Heading 9971 attract 9% CGST + 9% SGST (or 18% IGST). GST is charged on the provider’s fee, never on the transaction amount. Applied by default where a provider does not state the rate.

    Notification 11/2017-CT(Rate), consolidated to…

Questions people ask

Which payment gateway is cheapest for EMI payments?

Of the 4 payment gateways that publish a rate for EMI payments, CCAvenue leaves you the most from a ₹10,000 payment: ₹9,764.00 (2% + 18% GST). PayU and Razorpay leave you the least: ₹9,646.00 (3% + 18% GST). This uses each gateway’s published rate, before any sign-up offer; a rate you negotiate can be lower.

How much do payment gateways charge for EMI payments?

Published fees run from 2% + 18% GST (CCAvenue) to 3% + 18% GST (Razorpay). The most common is 3% + 18% GST, published by 2 gateways. On a ₹10,000 EMI payment, that leaves you between ₹9,646.00 and ₹9,764.00.

Is GST charged on EMI payment fees?

Yes. GST at 18% is added to the app’s fee, never to the payment itself, and the amounts on this page already include it. If your business is registered for GST, you may be able to claim it back as input tax credit.

Status: Verified means the rate matches the provider’s official page. Unverified means we found it but couldn’t fully confirm it on an official page, so check it with the provider. Not published means the provider doesn’t publish it. Amounts include GST on the fee only, never on your payment, and use published rates before any sign-up offer. Your contract or dashboard has the final word. Clarifee isn’t paid by any payment company.

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