Razorpay International Payment Gateway Charges in 2026, Explained With Examples

Razorpay international payment gateway charges are what Razorpay keeps when an overseas customer pays your Indian business, as opposed to what you pay when you use your own card abroad.

You pay a platform fee of up to 3% on each successful international card payment, plus 18% GST on that amount, and there's no setup fee.

Bank transfers carry lower charges than cards, because Razorpay prices them through a separate product with a lower rate and a minimum charge on small payments.

Your real cost depends on which route your customer pays by, and the rates here are as of September 2026.

Each way your overseas customer can pay carries its own charges on Razorpay's rate card. The platform fee plus 18% GST on it is the number that leaves your settlement.

Here's what each method costs you, and what that figure means in practice.

These Razorpay payment gateway charges come from razorpay.com/pricing and Razorpay's bank-transfers page, checked on 25 September 2026. If you want a wider view of the company behind these numbers, our Razorpay review covers it.

Razorpay has no setup charge and no annual maintenance on its standard plans, so everything you pay comes from transactions.

The extra charges to plan for sit around each transaction: GST, the conversion rate on cards, the MoneySaver minimum, and anything Razorpay prices only on request. Your FIRA, the proof of export receipt, costs nothing on either route.

• GST on Razorpay's cut - 18% is added to what Razorpay keeps, not to your invoice. On a USD 1,000 card payment, the 3% charge is USD 30 and GST adds USD 5.40, so USD 35.40 leaves your settlement. If you're GST-registered, ask your CA whether you can claim input tax credit on it.
• Forex markup on cards - Razorpay's pricing page doesn't list a conversion markup for its card gateway. Razorpay's own blog on gateway charges (29 May 2026) puts international card MDR across Indian gateways at 3% to 4.5%, with forex conversion markups of 1% to 3% on top, so compare your settlement rate with the mid-market rate on the day.
• Conversion on bank transfers - the MoneySaver page states a live exchange rate with no markup, the one place Razorpay publishes a conversion figure.
• Minimum charge - MoneySaver takes at least ₹1,000 on any transfer under ₹1,00,000.
• Chargebacks and refunds - Razorpay's pricing pages don't list chargeback charges or refund terms, so ask Razorpay before you rely on cards for large invoices.

Your export invoice itself is usually zero-rated for GST, which is a separate question from GST on Razorpay's charges.

Our guide to export of services under GST explains the conditions and the Letter of Undertaking (LUT) you file to invoice without paying IGST upfront.

Every example below uses one set of reference rates, 1 USD = 95.9 INR and 1 GBP = 126.8 INR, the Wise mid-market rate on 25 September 2026. Your own rupee figure will move with the rate on the day your customer pays, but the arithmetic stays the same.

Each method below shows the arithmetic on one illustrative invoice, from charge to rupees received. GST is worked at 18% of Razorpay's charge every time, and the rupee figure is what you'd receive before any card conversion markup.

How the Razorpay platform fee works on international card payments

Card payments are the route most self-serve SaaS customers expect, because they can pay in their own currency without leaving checkout. Razorpay calls its card charge a platform fee.

You'll also see this kind of charge called MDR (Merchant Discount Rate), which is the share of each payment a gateway keeps.

Your overseas customer can pay you by card in these ways:

• Via the major networks - Visa, Mastercard, American Express, Diners, Discover, JCB and UnionPay.
• Via their own currency - 135 currencies from customers in 180+ countries, converted to rupees before settlement.

Take a US customer paying a USD 1,200 annual plan by card:

• Razorpay's 3% - USD 36.
• 18% GST on it - USD 6.48, so USD 42.48 comes off, or 3.54% of the invoice.
• What you receive - USD 1,157.52, about ₹1,11,006 at the reference rate, before any conversion markup.

Razorpay's pricing pages don't list a settlement cycle or chargeback fees for international cards, so confirm both with Razorpay before you promise cash-flow dates.

What the Razorpay MoneySaver Export Account charges for bank transfers

The Razorpay MoneySaver Export Account gives your customer bank details to pay into, so they send an ordinary transfer instead of using a card. It suits invoiced B2B customers, because their finance teams usually pay by transfer anyway.

Your customer can pay you in these ways:

• Via SWIFT - an international wire from almost any country.
• Via ACH - a local US transfer in USD.
• Via SEPA - a local euro transfer from Europe.
• Via Faster Payments - a local UK transfer in GBP.

The minimum charge changes the picture on smaller invoices. A USD 800 invoice is about ₹76,720, so 1% would be ₹767, but the ₹1,000 minimum applies instead. With ₹180 GST added, you pay ₹1,180, or about 1.54% of that invoice.

Keep every FIRA the MoneySaver route issues, because FEMA rules give you 9 months to realise export payments, rising to 15 months (18 if invoiced in INR) from 1 October 2026.

Why FlashLinks costs twice as much as a standard US bank transfer

FlashLinks is a US-only option inside MoneySaver.

It always costs 2% against the standard 1%, and it settles in 5 days against 1. So on price and speed alone, a standard ACH transfer leaves you better off, and it's worth checking which one your US customer is actually using.

A US customer pays a USD 5,000 invoice through FlashLinks. Razorpay's 2% is USD 100 and GST adds USD 18, so USD 118 comes off, or 2.36%. You receive USD 4,882, about ₹4,68,184, five days later.

The same invoice by a standard ACH transfer would cost USD 59 and settle in 1 day.

Razorpay publishes two tiers for these products: a standard self-serve plan and Enterprise, with custom rates once your volume passes ₹5,00,000 a month.

So the real choice for you is which route your customers pay by, and whether your volume justifies asking for a quote.

If most of your revenue arrives as invoices rather than card checkouts, you can avoid the card route entirely for those customers and keep cards only for self-serve plans.

Our list of Razorpay alternatives covers other providers if neither route fits.

We're not a card checkout, so if your self-serve customers pay by card, you still need a card gateway such as Razorpay.

Where we fit is the invoiced side: your customer pays into one of our receiving accounts through their own local bank transfer, and we convert at the mid-market rate and settle rupees the next business day.

On a USD 5,000 invoice under our Growth plan, you pay a flat USD 20. Above USD 5,000, a 0.4% charge applies, so a USD 8,000 invoice costs about USD 32. That 0.4% is charged as an FX markup on the conversion, so it won't show as a separate line.

• Where we fit best - larger invoices from overseas customers, and higher volumes where custom pricing on our Scale plan applies for invoices from USD 10,000.
• Where Razorpay fits better - card checkouts and self-serve subscriptions, which we don't accept.
• How we're regulated - Xflow Payments India Pvt. Ltd. holds final Payment Aggregator - Cross Border (PA-CB) authorisation from the Reserve Bank of India (RBI), as of February 2026, the fully approved stage of the RBI process, and settles through AD-1 banks.

Current plans and any changes are on our pricing page.

• Cards - up to 3% plus GST, an effective 3.54%, before an unpublished conversion markup.
• Bank transfers - 1% plus GST through the Razorpay MoneySaver Export Account, with a ₹1,000 minimum under ₹1,00,000 and FlashLinks at 2%.
• Fixed charges - none for setup or annual maintenance, and free FIRA on both routes.
• Other gateways - PayU, Cashfree and others price international cards differently, so check them on your own invoice sizes.