{"id":11201,"date":"2022-05-30T12:35:00","date_gmt":"2022-05-30T07:05:00","guid":{"rendered":"https:\/\/payu.in\/blog\/?p=11201"},"modified":"2026-02-25T13:07:26","modified_gmt":"2026-02-25T07:37:26","slug":"what-are-payment-gateway-charges-a-complete-guide","status":"publish","type":"post","link":"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/","title":{"rendered":"What Are Payment Gateway Charges? A Complete Guide"},"content":{"rendered":"\n<p class=\"has-normal-font-size\">Looking for a <a href=\"https:\/\/payu.in\/payment-gateway\/\" target=\"_blank\" rel=\"noreferrer noopener\">payment gateway<\/a> that suits your pocket? Wondering how each one differs in terms of payment gateway charges? While it might look that the payment gateway charges are not really significant, or the difference among various payment gateways is not much, it stands out when looked through the lens of a bigger business establishment. In their case, a small change in the payment fees can significantly impact their profits.<\/p>\n\n\n\n<p class=\"has-normal-font-size\">Above all, it is the charges, including Merchant Discount Rate (MDR) and other associated payment fees, that become key in the decision to go for a specific payment gateway. Read on to know more about payment gateway charges<em> <\/em>and how to choose the right payment gateway based on the online payment charges applied<em>.<\/em><\/p>\n\n\n\n<p class=\"has-normal-font-size\">MDR is the charge by a <a href=\"https:\/\/m.rbi.org.in\/scripts\/publicationsview.aspx?id=12043\" target=\"_blank\" rel=\"noreferrer noopener\">payment service provider<\/a> for an online payment made via different online payment methods. While this amount is typically paid by the merchants, in many cases, the payment gateway asks for an additional amount from the customer to cover the MDR.<\/p>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 custom_toc counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/#Understanding_Payment_Gateway_Charges\" >Understanding Payment Gateway Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/#Key_Factors_Impacting_The_Online_Payment_Charges\" >Key Factors Impacting The Online Payment Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/#Various_Components_of_Payment_Gateway_Charges\" >Various Components of Payment Gateway Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/#Know_The_Payment_Gateway_Charges\" >Know The Payment Gateway Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/payu.in\/blog\/what-are-payment-gateway-charges-a-complete-guide\/#Some_Features_of_The_PayU_Payment_Gateway_Are\" >Some Features of The PayU Payment Gateway Are:<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Understanding_Payment_Gateway_Charges\"><\/span><strong>Understanding Payment Gateway Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Payment gateway charges are the cost incurred by a business to facilitate online payment via the chosen payment gateway on the website or app. The payment gateway charges are determined as a percentage of an online payment amount and depend upon the type of online payment methods used by the customer.<\/p>\n\n\n\n<p class=\"has-normal-font-size\">A payment processing gateways provide you with much more flexibility and reach than the traditional modes of payment PoS (point of sale). It enables your business to better manage all payments with options for instant refunds, real-time bank settlements as well as efficient operations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Key_Factors_Impacting_The_Online_Payment_Charges\"><\/span><strong>Key Factors Impacting The Online Payment Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Some of the key factors that impact online payment charges include:<\/p>\n\n\n\n<p><strong>Interchange rates \u2013<\/strong> are charges for credit card payments incurred by issuing companies such as VISA or MasterCard on every online payment you make from your bank. This rate includes the online payment handling costs incurred by the bank and investments done to reduce fraudulent transactions. With the rise in the number of online payments done by credit cards in India, it is important to be aware of the interchange rates and how they are calculated based on the type of card and chosen mode of payment.<\/p>\n\n\n\n<p><strong>Merchant fees \u2013<\/strong> are charged if you want to accept credit card payments on your website or app. It is the payment fees charged for interlinking the credit card network to your merchant account. The merchant account allows you to accept online payments done via credit card. In contrast, the merchant account provider deposits the amounts received through credit card payment on your website or app into your account at regular intervals.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Payment safety \u2013 <\/strong>charges are applied depending upon the level of safety required over each payment and its mode. For instance, payment done physically via a credit card at a store attracts lesser hassle compared to payment by credit card online. Therefore, payment gateway charges are directly dependent on the safety aspect of a transaction and its mode.<\/p>\n\n\n\n<p><em><a href=\"https:\/\/payu.in\/blog\/how-to-choose-the-best-payment-gateway-for-your-business\/\">Read more &#8211; How To Choose The Best Payment Gateway For Your Business?<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Various_Components_of_Payment_Gateway_Charges\"><\/span><strong>Various Components of Payment Gateway Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Payment gateway charges or fees include various components required for efficient online payment processing. These include &#8211;&nbsp;<\/p>\n\n\n\n<ul>\n<li class=\"has-small-font-size\">Payment gateway setup charges<\/li>\n\n\n\n<li class=\"has-small-font-size\">Annual maintenance charges<\/li>\n\n\n\n<li class=\"has-small-font-size\">Integration charges<\/li>\n\n\n\n<li class=\"has-small-font-size\">Merchant Discount Rate (MDR)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Know_The_Payment_Gateway_Charges\"><\/span><strong>Know The Payment Gateway Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">It is important to know about all the <strong><a href=\"https:\/\/payu.in\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener\">payment gateway charges<\/a> <\/strong>involved before you seal a provider, as it has a direct impact on your business revenues. Some of the important parameters to keep in mind include;<\/p>\n\n\n\n<ul>\n<li class=\"has-small-font-size\">Type of transactions conducted or expected on your website or app<\/li>\n\n\n\n<li class=\"has-small-font-size\">The frequency of various transactions<\/li>\n\n\n\n<li class=\"has-small-font-size\">Revenue generated or expected to be generated by the business<\/li>\n<\/ul>\n\n\n\n<p class=\"has-normal-font-size\">Keeping these parameters in mind, you should look at other aspects involved in the online payment gateway, such as the number of payment sources supported, payment safety, success rate, and other additional features provided.&nbsp;<\/p>\n\n\n\n<p class=\"has-normal-font-size\">Remember, one should not make a decision only based on the charges by a payment processing gateways but look at the entire landscape of things offered to take the final call.&nbsp;<br><br>Want to check the PayU Payment Gateway Charges? <a href=\"https:\/\/payu.in\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Click here<\/a> <\/p>\n\n\n\n<p class=\"has-normal-font-size\"><em>\u201cTry PayU Payment Gateway to Grow more. Do more. Be more.\u201d<\/em><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/payu.in\/\" style=\"background-color:#3aae97\" target=\"_blank\" rel=\"noreferrer noopener\">Try PayU Now<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Some_Features_of_The_PayU_Payment_Gateway_Are\"><\/span><strong>Some Features of The PayU Payment Gateway Are:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul>\n<li><strong>Easy Integration<\/strong> with APIs, feather-light SDKs, plugins, and play partnerships.<\/li>\n\n\n\n<li><strong>Industry best success rates<\/strong> through strategic partnerships.<\/li>\n\n\n\n<li><strong>Offers 150+ payment modes<\/strong> across Credit Cards, Debit Cards, Net Banking, EMIs, BNPL, and UPI.<\/li>\n\n\n\n<li><strong>Simple and transparent pricing<\/strong> that suits your business.<\/li>\n\n\n\n<li><strong>24*7 support <\/strong>at each step<strong>.<\/strong><\/li>\n\n\n\n<li><strong>Accept international cards in a single integration <\/strong>with our<strong> <\/strong>dynamic currency converter to show prices in local currency.<\/li>\n\n\n\n<li><strong>Instant Refunds <\/strong>are disbursed<strong> within 5 minutes <\/strong>of the refund request.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h4>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1654589179028\"><strong class=\"schema-faq-question\">Why do payment gateway charges have to be paid?<\/strong> <p class=\"schema-faq-answer\">Payment gateway charges or payment fees help the service providers cover various costs such as software maintenance, payment security, and other operational costs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654589218629\"><strong class=\"schema-faq-question\">How to identify the best payment gateway for my online business?<\/strong> <p class=\"schema-faq-answer\">You should start by comparing the features offered by various payment gateways. Look at features that best suit your business needs. Before making your final decision, always look at all aspects of the payment gateway.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654589250914\"><strong class=\"schema-faq-question\">Which is the cheapest payment gateway in India?<\/strong> <p class=\"schema-faq-answer\">Trusted by more than 5 lakh+ businesses, the <a href=\"https:\/\/payu.in\/payment-gateway\">PayU Payment Gateway<\/a> provides you with the platform to do more with online payments. PayU Payment Gateway is ideal for every sized business with simple and transparent pricing and easy integration. Although pricing remains an important parameter for an online payment gateway, consider various payment gateway features during selection.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654589272656\"><strong class=\"schema-faq-question\">How safe and secure is <strong>PayU Payment Gateway?<\/strong><\/strong> <p class=\"schema-faq-answer\">PayU Payment Gateway offers the highest success rates and ensures a seamless and secure checkout experience. Powered by anti-fraud technology that detects and prevents fraudulent transactions, PayU <a href=\"https:\/\/payu.in\/payment-gateway\">Payment Gateway is PCI-DSS compliant<\/a> to ensure the safety and security of each online payment done.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are many reasons on which the selection of a payment gateway depends upon. These include its popularity among people, payment success rates and the number of payment sources it supports.  <\/p>\n","protected":false},"author":53,"featured_media":11205,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[902],"tags":[1247,936,618],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Payment Gateway Charges? 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