What Are Adyen Fees in India in 2026?

Adyen fees for Indian users, as published on Adyen's own pricing pages and checked on 30 Sept 2026.

Adyen charges through a receiving fee, an FX markup on conversion and, in some cases, payout or fixed fees.

• Transaction fee: Indicative: $0.13 per transaction plus a payment-method fee (Visa/Mastercard: Interchange++ plus 0.60%); custom pricing via sales; minimum invoice depends on industry
• FX markup: Not confirmed: Adyen converts at its FX reference rate plus an FX management fee (spread); how the spread is calculated is set in the merchant's contract and by default differs by currency category (USD category one, INR category two); no figure is published
• Withdrawal fee: Adyen's payout currency docs list INR as the settlement currency for its India acquiring connection, with funds held in India and paid out locally, and say INR can only be paid out to a local bank account in India (SWIFT payouts are not supported for INR). Payout fees and any route for export proceeds are not published.
• GST: Adyen's help centre lists Adyen India service invoices with GST: 'GST rate 18% if the merchant is in Maharashtra. Or CGST of 9% and SGST of 9% if the merchant is located outside Maharashtra', as worded on the page. Either way the total is 18% on Adyen's service fees.

Calculation basis: No complete fee model. Adyen publishes indicative card pricing (Visa: $0.13 plus Interchange++ plus 0.60%) and its pricing page says these fees are indicative, so the total depends on interchange and scheme fees that vary per card and on the agreed contract. Its currency documentation says conversion uses Adyen's FX reference rate plus an FX management fee (spread) whose calculation is set in each merchant's contract and by default differs by currency category (USD category one, INR category two); no figure is published. Adyen's invoice tax page shows 18% GST on Adyen India service invoices. Adyen's India page names only domestic (PA-Online) and cross-border outward (PA-CB-Outward) authorisations, and no Adyen page found describes a route for an Indian exporter to collect from foreign cardholders, so the transaction a model would describe is not confirmed.

Adyen's fee depends on how your client pays. Methods not listed are not supported or not published for Indian users.

Published FX markup: Not confirmed: Adyen converts at its FX reference rate plus an FX management fee (spread); how the spread is calculated is set in the merchant's contract and by default differs by currency category (USD category one, INR category two); no figure is published. The markup is the difference between the mid-market rate and the rate Adyen applies when converting to INR.

Adyen's help centre lists Adyen India service invoices with GST: 'GST rate 18% if the merchant is in Maharashtra. Or CGST of 9% and SGST of 9% if the merchant is located outside Maharashtra', as worded on the page. Either way the total is 18% on Adyen's service fees.

The table shows each charge line by line at the XE mid-market rate for 4 Nov 2026.

• Setup or monthly fee: None, per pricing page
• Minimum invoice: Depends on industry or business model (not published)
• American Express: $0.13 + 3.95% global (indicative)
• UPI: $0.13 + defined by funding source used (India pricing page, indicative)
• RuPay: $0.13 + on request (India pricing page)

• Payment method: Ask clients to pay by local bank transfer to your account details, which usually costs less than cards, wallets or Swift wires.
• Invoice size: Where a platform charges a flat fee per payment, fewer and larger invoices lower the cost as a share of revenue.
• Conversion: Compare the rate offered with the mid-market rate on the day, because the FX markup is often the larger cost.
• GST: Keep the platform's tax invoices, since GST paid on fees may be claimable as input tax credit if you are GST registered.

Platforms are ranked by the INR received on a $5,000 invoice, with Adyen included.

Fees were checked on Adyen's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026. The formula is on the methodology page.

1. Adyen India, Established in India since 2018; RBI PA-Online and PA-CB-Outward authorisations (checked 7 Oct 2026)
2. Adyen pricing (India), Indicative fees: $0.13 fixed; Visa/Mastercard Interchange++ + 0.60%; Amex 3.95%; UPI defined by funding source; RuPay on request; minimum invoice depends on industry or business model; the fees outlined above are indicative; no monthly, set-up, integration or closure fees (checked 7 Oct 2026)
3. Adyen pricing (global), Fixed processing fee plus payment-method fee; no setup or monthly fees; minimum invoice depends on industry (checked 6 Oct 2026)
4. India expansion made easy, Accept online payments in INR from Indian shoppers with Adyen's own RBI licences (checked 6 Oct 2026)
5. Adyen Visa payment method (India), Visa: $0.13 + Interchange+ + 0.60%; no monthly fees, set-up fees, integration fees or closure fees; INR not listed among settlement currencies (checked 7 Oct 2026)
6. Adyen currency codes and FX management fee, Adyen applies a foreign currency exchange rate when a currency conversion takes place (FX reference rate) and charges an FX management fee, or spread, which by default differs based on the currency category; category one: AUD, CAD, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, USD, ZAR; category two: all other currencies; how this fee is calculated is included in your contract with Adyen (checked 7 Oct 2026)
7. What kind of tax is applied to my invoice? (Adyen), Adyen India: GST rate 18% if the merchant is in Maharashtra. Or CGST of 9% and SGST of 9% if the merchant is located outside Maharashtra (checked 7 Oct 2026)
8. Adyen Docs: Supported payout currencies, India (IN): settlement currency INR, funds held in India, local payout; certain currencies can only be paid out to a local bank account within a country or region where that currency is the official legal tender: BRL, INR, MYR, MXN, and AED; SWIFT payouts are not supported for these currencies (checked 7 Oct 2026)
9. Adyen Docs: Getting paid, Depending on the currencies and banks involved, it may take up to two days for the payout funds to arrive in your account; like-for-like (no currency conversion) settlement if the currency is also supported as a settlement currency by the payment method (checked 7 Oct 2026)