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RuPay credit card on UPI: merchant charges

Of the 4 payment gateways that publish a rate for RuPay credit card payments on UPI, Cashfree Payments, CCAvenue, Razorpay and Zoho Payments leave you the most from a ₹10,000 payment: ₹9,746.30 (2.15% + 18% GST). 2 more don’t publish a rate. In shops (QR code, soundbox or card machine), Google Pay for Business (in-store) and Paytm (in-store) leave you the most: ₹9,765.18 (up to ₹2,000: 0% · above ₹2,000: 1.99% + 18% GST).

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

Online payment gateways

Payment gateway fees for RuPay credit card payments on UPI, ranked by what you receive
AppFeeYou receive on ₹1,000You receive on ₹10,000You receive on ₹1 lakhArrivesStatus
Cashfree PaymentsLeaves you the most2.15% + 18% GSTAn offer may apply to new sign-ups₹974.63₹9,746.30₹97,463.00In 1–2 working days (T+1 to T+2)Unverified
CCAvenueLeaves you the most2.15% + 18% GST₹974.63₹9,746.30₹97,463.00Not publishedVerified
RazorpayLeaves you the most2.15% + 18% GSTAn offer may apply to new sign-ups₹974.63₹9,746.30₹97,463.00In 2 working days (T+2)Unverified
Zoho PaymentsLeaves you the most2.15% + 18% GST₹974.63₹9,746.30₹97,463.00In 1 working day (T+1)Verified
PayUNot publishedNot publishedNot publishedNot publishedIn 2 working days (T+2)Not published
PhonePe Payment GatewayNot publishedNot publishedNot publishedNot publishedIn 1 working day (T+1)Not published

In shops: QR codes, soundboxes and card machines

In-store fees for RuPay credit card payments on UPI, ranked by what you receive
AppFeeYou receive on ₹1,000You receive on ₹10,000You receive on ₹1 lakhArrivesStatus
Google Pay for Business (in-store)Leaves you the mostup to ₹2,000: 0% · above ₹2,000: 1.99% + 18% GST₹1,000.00₹9,765.18₹97,651.80In 1 working day (T+1)Unverified
Paytm (in-store)Leaves you the mostup to ₹2,000: 0% · above ₹2,000: 1.99% + 18% GST₹1,000.00₹9,765.18₹97,651.80In 2 working days (T+2)Verified
Razorpay POS2% + 18% GST₹976.40₹9,764.00₹97,640.00Not publishedVerified
PhonePe (in-store)up to ₹2,000: 0% · above ₹2,000: 2.5% + 18% GST₹1,000.00₹9,705.00₹97,050.00In 1 working day (T+1)Verified
BharatPe (in-store)Not publishedNot publishedNot publishedNot publishedIn 1–2 working days (T+1 to T+2)Not published

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

₹9,746.30, after ₹253.70 in fees

The official rules

  • RuPay credit card / credit line on UPI follows card rules

    In force

    Credit-linked UPI follows standard credit card guidelines, not the 0.4% UPI regime. NPCI’s pages say nothing on its MDR. HDFC Bank’s merchant fee schedule says that for payments up to ₹2,000, “MDR will NOT be applicable for merchants with annual turnover of less than Rs 20 Lakhs”; other banks and aggregators may differ. Above that, the MDR is set by the bank or aggregator.

    NPCI — FAQs: MDR on Select UPI (P2M) Transactions…NPCI — RuPay Credit Card on UPI

  • 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 RuPay credit card payments on UPI?

Of the 4 payment gateways that publish a rate for RuPay credit card payments on UPI, Cashfree Payments, CCAvenue, Razorpay and Zoho Payments leave you the most from a ₹10,000 payment: ₹9,746.30 (2.15% + 18% GST). 2 more don’t publish a rate. 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 RuPay credit card payments on UPI?

Published fees run from 2.15% + 18% GST (Cashfree Payments) to 2.15% + 18% GST (Zoho Payments). The most common is 2.15% + 18% GST, published by 4 gateways. On a ₹10,000 RuPay credit card UPI payment, that leaves you between ₹9,746.30 and ₹9,746.30.

Is GST charged on RuPay credit card UPI 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.

Other payment methods