Payment Gateway Fee Calculator
Calculate transaction charges, fixed gateway fees, GST/taxes, and net payout for Stripe, PayPal, Razorpay, or custom payment processors.
Currency:
Net Payout Received
₹9,764.00
Effective Fee: 2.36%
Customer Transaction Amount₹10,000.00
Base Gateway Fee (2% + ₹0)-₹200.00
Tax / GST on Gateway (18%)-₹36.00
Total Deductions-₹236.00
Net In-Pocket Payout₹9,764.00
How to Use the Payment Gateway Fee Calculator
- Input your parameters in the fields or drag the interactive sliders.
- The algorithm updates the primary metric and schedules in real-time.
- Click “Copy Result” to copy structured values to your clipboard.
Calculation Formula
Forward: Net Payout = Gross - [Processing Fee + Fixed Fee + Tax on Fee + FX Fee] | Reverse: Required Charge = (Target Net + Fixed Fee × (1 + Tax Rate)) / [1 - (Fee Rate × (1 + Tax Rate) + FX Rate)]
Where:
- Gross Amount: Customer Transaction Amount
- Processing Fee: Gross Amount × Processing Fee Rate %
- Fixed Fee: Fixed Gateway Transaction Fee (e.g. $0.30 or ₹0)
- Tax on Fee: (Processing Fee + Fixed Fee) × GST/Tax % (18%)
- FX Fee: Gross Amount × Currency Conversion Rate %
Example Calculation
₹10,000 Customer Payment processed via Razorpay (2.0% Processing Fee + 18% GST on Fee, 0% FX, ₹0 Fixed Fee)
Transaction Amount: ₹10,000.00
Processing Fee (2%): ₹200.00
GST on Fee (18%): ₹36.00
Fixed Fee: ₹0.00
Outcome: Customer Charge: ₹10,000.00 | Total Gateway & Tax Fees: -₹236.00 | Net Amount Received: ₹9,764.00 | Effective Fee: 2.36%
Base gateway fee of 2% on ₹10,000 is ₹200. With 18% GST applied to the fee (₹36), total deduction is ₹236, yielding a net payout of ₹9,764.00.
Important Assumptions
- Rates vary based on payment method (UPI, Debit Card, International Credit Card, Netbanking).
- GST at 18% applies strictly on the gateway fee amount under Indian Tax Regulations.
Frequently Asked Questions
How are payment gateway fees calculated?
Gateway fees are computed by applying a percentage fee on gross transaction value, adding a fixed fee per transaction, and applying statutory taxes (like 18% GST in India) on the fee component.
How do I calculate what to charge a client so I receive an exact net amount?
Use the reverse calculation mode: Required Charge = (Net Target + Fixed Fee × (1 + Tax)) / (1 - Effective Fee Percentage).
Important NoticeCalculations are estimates for educational and informational purposes and may differ from actual lender, employer, tax, investment, or statutory calculations.