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What does a payment gateway actually cost you?
Enter your monthly billings and an estimated fee rate to see the annual cost — then compare it to a direct UPI link, which has no gateway fee at all.
₹1,50,000
₹50,000₹5,00,000
2%
1%3%
Indian payment gateway fees vary by provider and payment method — this is an adjustable estimate, not a quote for any specific gateway. Check the current published rate for yours.
Gateway fee (2% of billings)₹3,000/mo
GST on the gateway's fee (18%)₹540/mo
Total cost per month₹3,540
Total cost per year₹42,480
Same billings via direct UPI₹0/yr
The GST shown is the tax the gateway itself charges on its processing fee, since payment aggregation is a taxable service — not a tax on your underlying billings.
Skip the gateway entirely
Every Paxbil invoice pays out directly to your UPI ID — no gateway, no fee.