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UPI transaction fee & annual savings calculator
Move the monthly-volume slider to see the exact platform fee, GST on that fee, annual cost, and fee-only break-even point.
Monthly UPI volume
₹50,000 to ₹1 crore
Annual fee comparison
₹3,600 /year
Based on ₹300/month and 0% per-transaction platform fee. Applicable subscription taxes, plan limits, and current terms should be checked before purchase.
₹1,38,000
That is ₹11,500 retained per month at this volume.
Fee-only break-even at this rate: approximately ₹12,712 in monthly volume.
Calculation method
See every rupee in the formula.
For a percentage-priced gateway, monthly platform fee equals processed value multiplied by the contracted rate. GST on the platform service is then calculated at 18%. A 2% fee therefore becomes an effective 2.36% cost:
platform fee = monthly volume × 0.02
GST on fee = platform fee × 0.18
annual cost = (platform fee + GST on fee) × 12The calculator compares that annual result with ₹3,600—the advertised ₹300 monthly VyaparGateway plan multiplied by 12. This is a commercial comparison, not a tax invoice. Confirm subscription GST, limits, refunds, settlement, and provider charges before choosing a service.
Questions
Fee calculator FAQ
- How does the UPI transaction fee calculator work?
- It multiplies monthly processed value by the selected platform-fee percentage, adds 18% GST to that fee, annualises the result, and compares it with a flat ₹300 monthly VyaparGateway plan.
- Why is a 2% fee shown as an effective 2.36% cost?
- A 2% platform fee is a taxable service charge. Adding 18% GST to the fee contributes another 0.36% of transaction value, producing a 2.36% fee-inclusive cost before any other contracted charges.
- Does Paytm charge 2% on standard UPI payments?
- Paytm's public pricing page lists standard UPI at zero transaction charge. Rates for cards, wallets, EMI, international instruments, or a merchant-specific contract can differ, so use the signed pricing schedule for your account.
- Does the calculator include GST on the ₹300 subscription?
- The comparison uses the advertised ₹300 monthly plan value. Applicable GST on the subscription, plan limits, bank or provider charges, and current commercial terms should be checked on the invoice and pricing page.
Compare features after comparing fees.
Review the payment flow, API, plan limits, and security model.