Paytm Payment Gateway Fee Calculator

Guide

About the Paytm Payment Gateway Fee calculator

Our Paytm Payment Gateway fee calculator is a free tool that shows exactly what Paytm charges merchants on a payment and what settles to your account. Paytm is one of India's most widely used payment gateways, and its biggest draw for small businesses is simple: UPI and RuPay payments are free. But card payments carry a fee that varies a lot by card type, so the real cost depends on how your customers pay. Pick the method, enter the amount, and see the fee and your net instantly.

Paytm's fee depends on the payment method

Unlike a flat-rate gateway, Paytm prices each method differently. On the small-merchant tier (for businesses with prior-year turnover under ₹20 lakh), UPI and RuPay debit cards are completely free. Visa and Mastercard debit cards are charged 0.4%, standard credit cards 1.99% (some categories such as groceries, utilities and education are lower at 1.2–1.4%), American Express 2.75%, Diners/JCB/UnionPay 3.5%, and international cards 2.99%. On every method that carries a fee, 18% GST is added to the fee. Choosing the right method above makes the result match what Paytm will actually deduct.

Why free UPI matters

The single biggest cost lever on Paytm is that UPI is free. India's zero-MDR rule means no merchant discount rate on UPI, and on Paytm's small-merchant tier the gateway passes that through — so a UPI payment costs you nothing, while the same payment on a card could cost 2% or more. This is a genuine difference from gateways like Razorpay, which charge their own platform fee (around 2%) even on UPI. If most of your customers pay by UPI, Paytm can be materially cheaper; the calculator lets you see exactly how much each method costs so you can encourage the cheapest one.

How the calculator works

The math is simple: fee = amount × rate%, then GST = fee × 18%, and your settlement = amount − fee − GST. On a ₹1,000 credit-card payment, that's ₹19.90 plus ₹3.58 GST, so ₹976.52 settles to you; the same ₹1,000 by UPI settles in full at ₹1,000. There's no fixed per-transaction fee. If you need a specific amount to land — for example invoicing a client for an exact figure — switch to reverse mode and the calculator grosses the collection up so the right amount settles after the fee and GST.

Who this tool is for

Indian merchants and e-commerce sellers use it to understand which payment methods cost what, and to price products so margins survive card fees; founders use it to model the blended cost of their payment mix; and finance teams use it to reconcile settlements. Comparing Paytm against Razorpay on the same payment is a common question — the key difference is UPI (free on Paytm's small-merchant tier, ~2% on Razorpay) — and this calculator makes that gap concrete. Everything runs in your browser with no signup.

Accuracy and important notes

Paytm's rates depend on your merchant tier (the ₹20 lakh turnover threshold) and can change, so we store every rate in a dated file and stamp the page with a "fees last verified" date. The 18% GST on the fee is standard for Indian gateways. These are published small-merchant rates — larger merchants, specific categories and negotiated plans can differ, and add-ons can carry their own charges. Always confirm the final figure in your Paytm dashboard before relying on it, but for fast, dependable estimates of what you'll receive, this calculator gives you a clear answer in seconds.