What Are PayU Fees in India in 2026?

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

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

• Transaction fee: 3% for international transactions on the standard plan, plus 18% GST; custom pricing for higher-volume or enterprise businesses based on payment mode, industry type, risk profile, transaction volume, value-added features and processing requirements
• FX markup: Not confirmed. PayU's terms say it converts at the inter-bank rate decided by the banks or card associations, shared in the daily merchant payment report (non-business days use the previous business day's rate); no margin over mid-market is published
• Withdrawal fee: PayU converts international payments to INR and settles to the merchant's Indian bank account, typically within T+2 business days. The fee is deducted per transaction. Same-day or priority settlement may carry a nominal extra fee
• GST: PayU's pricing page states "18% GST applicable on all transactions". It does not spell out the base further; GST is shown alongside its transaction fees

Calculation basis: Fee model not built. The PayU pricing page lists 3% for international transactions with 18% GST, and PayU's international card terms (clause 1.2(e)) say conversion uses the inter-bank rate decided by the banks or card associations and shown in the daily merchant payment report. PayU does not publish how that rate compares with the mid-market rate, so the FX markup is unknown, and its international payments page sends merchants to an account manager for specific international rates. Without a published FX markup the model cannot be complete. A recheck on 7 October 2026 of PayU's pricing page, international payments page and international card terms found no stated margin over mid-market.

PayU'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. PayU's terms say it converts at the inter-bank rate decided by the banks or card associations, shared in the daily merchant payment report (non-business days use the previous business day's rate); no margin over mid-market is published. The markup is the difference between the mid-market rate and the rate PayU applies when converting to INR.

PayU's pricing page states "18% GST applicable on all transactions". It does not spell out the base further; GST is shown alongside its transaction fees

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

• Setup, onboarding or annual fee: None on the standard plan
• Same-day or priority settlement: Nominal fee may apply; amount not published
• Domestic payments: 2% for Visa, Mastercard, net banking, BNPL and wallets; 3% for Diners, American Express and EMI; plus 18% GST
• Currency Calculator Fee (multicurrency checkout): Charged to the paying customer, not the merchant, at a rate PayU specifies at the time of payment, with the customer's consent (international card terms, clause 1.2(g)); rate not published

• 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 PayU included.

Fees were checked on PayU'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. PayU Pricing, 3% for Diners, American Express, EMI, International transactions; 18% GST applicable on all transactions; No set-up fee; standard settlement T+2; custom pricing slabs for higher volumes or enterprise needs, based on payment mode, industry type, risk profile, transaction volume, value-added features and processing requirements; no setup, onboarding or annual fees (checked 7 Oct 2026)
2. PayU International Payments, 135+ currencies; Visa, Mastercard, American Express and PayPal; INR conversion at transaction-date rate; T+2 business days; specific rates via account manager or care@payu.in; compliance with global standards (checked 7 Oct 2026)
3. PayU terms for international card processing and multicurrency payments, 1.2(e): the exchange rate used by PayU for all Authorised Currencies will be the inter-bank rate as decided by the respective banks or card associations and as shared by PayU with the Merchant by issuing the merchant payment report on every Business Day; non-Business Day transactions use the rate of the immediately preceding Business Day; 1.2(b): the International Card Processing Payment Mechanism and the Multicurrency Payment Feature shall be provided solely at PayU's discretion, subject to additional due diligence and criteria specified by PayU and/or Acquiring Banks and the Nodal Bank, who may withdraw approval at any time; 1.2(g): PayU may charge Customers a Currency Calculator Fee at a rate specified at the time of payment, upon the Customer consenting (checked 7 Oct 2026)