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What are PayU fees in India for receiving international payments in 2026?

Author:: Editorial team, serviceexportguide.com
Verified by:: Editorial team
Published: 28 October 2026
Last modified: 30 October 2026
Fees checked on: 28 October 2026
Reading time: 6 min read

Short answer

PayU's India pricing page lists a 3% fee for international transactions under its Standard Plan.¹ GST is charged extra.¹ The Standard Plan lists no setup or annual maintenance fee.¹ PayU converts to INR at the transaction-date rate without publishing its margin.²³ PayU settles in INR, typically within T+2 business days.²³ PayU provides a FIRC on request, at an unpublished cost.³

Fee type	Amount	When it applies
International transaction fee	3%, GST extra¹	International card payments under the Standard Plan¹
Conversion to INR	Rate on the transaction date; margin not published²³	Every international payment settled in INR²³
Standard settlement (T+2)	No fee listed¹	Settlement to the merchant's Indian bank account¹²
Priority or same-day settlement	Nominal fee based on business profile; amount not published¹	When you ask for faster settlement¹³
Setup and annual maintenance	Zero, per the Standard Plan¹	Standard Plan accounts; "T&C Apply"¹

Invoice amountCurrencyHow the client pays

1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).

Estimated rupees received, on published fees

Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.

#	Provider and route	Best for	Fee (+GST)	Markup	You receive	Cost
1	Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account	US bank transfers and marketplace payouts	₹942plus GST, rate not stated	0%	₹93,131 to ₹93,301	1.00 to 1.18%
2	RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,000plus GST, rate not stated	0%	₹93,063 to ₹93,243	1.06 to 1.25%
3	WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)	Local transfers with a published per-payment fee	₹1,435	0%	₹92,809	1.52%
4	SkydoPayment link (InstaLinks) paid by ACH debit	Local bank transfers from major markets	₹1,885plus GST, rate not stated	0%	₹92,019 to ₹92,358	2.00 to 2.36%
5	PayoneerLocal bank transfer to Payoneer receiving account details	Marketplace payouts such as Amazon or Upwork	₹0no GST stated	1 to 4%	₹90,473 to ₹93,301	1.00 to 4.00%
6	PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)	Clients paying by card or PayPal balance	₹4,175no GST stated	3 to 4%	₹86,465 to ₹87,366	7.30 to 8.25%

Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.

Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.

PayU lets an Indian business accept cards issued abroad and PayPal on its checkout and settles the money in rupees. This page sets out what PayU publishes about the cost of receiving those payments, as of October 2026.¹² For how the product works and who can use it, see the PayU review.

PayU's pricing page also lists domestic rates; they are not covered here. Enterprise customers can get custom pricing, so ask PayU for a written quote before comparing.¹

What are PayU fees at a glance?

PayU publishes a single 3% rate for international transactions under its Standard Plan, with GST extra, and does not publish a bank transfer collection route for exports.¹²

Cost	What PayU publishes
International card (Visa, Mastercard, American Express)	3% under the Standard Plan, GST extra
PayPal at PayU checkout	Not published separately
Local bank transfer or SWIFT from a foreign client	Not offered on PayU's international payments pages
Conversion to INR	Rate on the transaction date; margin not published
Standard settlement to Indian bank (T+2)	No fee listed
Priority or same-day settlement	"Nominal fee based on your business profile"; amount not published
FIRC	Provided through the Key Account Manager; cost not published
Setup fee	Zero, per the Standard Plan
Annual maintenance fee	Zero, per the Standard Plan

The table lists each cost as PayU states it.¹²³⁴

How does PayU charge Indian users?

PayU charges Indian businesses a percentage on each international transaction, plus GST, and converts the payment to INR at the transaction-date rate.¹²³

Transaction fee: 3% on international transactions under the Standard Plan, GST extra.¹
FX markup: PayU says it applies exchange rate or margins on the card issuing currency, without publishing the margin.³
Withdrawal fee: No fee listed for standard T+2 settlement; priority settlement may carry a nominal fee.¹
Fixed fee: Zero setup and zero annual maintenance fee under the Standard Plan.¹

The Standard Plan carries a "T&C Apply" note that the page does not explain.¹

What does PayU charge by payment method?

PayU charges 3% on international card transactions under its Standard Plan, and its pricing FAQ says international card transactions fall under the 3% slab.¹ GST is applicable extra.¹

Payment method	PayU's published fee	Best for
International Visa or Mastercard	3%, GST extra	Foreign clients paying by card at checkout
American Express and Diners	3%, GST extra	Foreign clients paying by Amex or Diners
EMI transactions	3%, GST extra	Buyers paying in instalments
PayPal at PayU checkout	Not published separately	Foreign clients who prefer PayPal
Bank transfer or SWIFT	Not offered on PayU's international payments pages	No published route

The table follows PayU's pricing page and international payments page.¹² Cross-border payment aggregator transactions are limited to ₹25 lakh each for exports under RBI rules.⁵

For example, on a $1,000 international card payment, the 3% fee is $30, or 3% of the payment, plus GST on that fee.¹

What is the PayU currency conversion fee and FX markup?

PayU converts international payments to INR at the exchange rate on the day of the transaction.²³ For dynamic currency conversion, PayU says it processes the transaction by applying exchange rate or margins on the card issuing currency, but it does not publish the margin or the reference rate.³

For example, if a $5,000 card payment were converted at a rate 1% below the same-day reference rate, the margin would cost $50, or 1% of the payment, on top of the 3% fee; PayU does not publish what its margin actually is.¹³ To see the real cost, compare the INR amount settled with a reference rate for the same day, for example in the currency convertor.

PayU's documentation also says settlement can be in INR or non-INR currencies, and lists EEFC (Exchange Earners' Foreign Currency) account support.⁴ The cost of non-INR settlement is not published.⁴

What are PayU withdrawal and settlement fees?

PayU settles international payments to the merchant's bank account in INR, typically within T+2 business days, with no fee listed for standard settlement.¹²³

Standard settlement: T+2 business days, no fee listed.¹²³
Instant settlement: Supported on request through the account manager or support.³
Priority or same-day settlement: May carry a nominal fee based on the business profile; amount not published.¹
FIRC: PayU says it provides a FIRC (Foreign Inward Remittance Certificate) and asks merchants to contact their PayU Key Account Manager for details. PayU does not publish a fee for the FIRC, how often it is issued, or the cost of a duplicate.³

See FIRC vs FIRA vs e-BRC for what each document is.

Is GST charged on PayU fees?

GST is charged extra on PayU's 3% international transaction fee, according to PayU's pricing page.¹ For how GST applies to the export itself, see GST on export of services.

How much INR do you receive on $2,000, $5,000 and $10,000 with PayU?

PayU does not publish its exchange margin, which is needed to work out how many rupees a foreign payment produces.¹³ The table below shows what published fees allow, at today's rate.

None of these providers publishes both a fee and a conversion markup for USD.

Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.

Enter a quote in the international payment fee calculator to compare it with other routes.

What hidden or one-off charges does PayU apply?

PayU publishes no chargeback, refund or dispute fees for international payments, and its one listed optional charge is for priority settlement.¹³

Chargeback: Not published for international payments.¹³
Refund: Not published for international payments.¹³
Priority settlement: A nominal fee based on business profile; amount not published.¹
Currency holding: Non-INR settlement and EEFC support are listed; the cost is not published.⁴

As of October 2026, PayU's public pages also do not publish the exchange margin or reference rate used for conversion to INR, a separate fee for PayPal payments through PayU checkout, the cost of a FIRC or how often one is issued, or what the "T&C Apply" note on the Standard Plan covers.¹²³⁴

How can you reduce PayU fees?

PayU's published fee is a flat 3% plus GST, so the levers are the settlement speed you choose and any custom pricing you negotiate.¹

Use standard settlement: No fee is listed for T+2 settlement, while priority settlement may carry a fee.¹
Ask about custom pricing: PayU says enterprise customers can get custom pricing.¹
Check the conversion rate: Compare the INR settled with a same-day reference rate, since PayU does not publish its margin.³

How do PayU fees compare with other platforms?

PayU does not publish its exchange margin, so its total cost is not estimated and it sits after the providers that publish full pricing.¹³ The table is ordered by estimated cost on a USD 5,000 receipt, cheapest first, using each provider's published fees, FX markup and GST where published; providers without full published pricing follow, A to Z.

Platform	Best for	Estimated cost on USD 5,000	Fees guide
Skydo	Local bank transfers from major markets⁶	0.68%⁷⁸⁹	Skydo fees
Razorpay	Local transfers from the US, UK and eurozone¹⁰	1.00 to 1.18%¹¹¹²	Razorpay fees
Karbon Business	US bank transfers and marketplace payouts¹³	1.00 to 1.18%¹³¹⁴	Karbon Business fees
Winvesta	Local transfers with a published per-payment fee¹⁵¹⁶	1.24%¹⁵	Winvesta fees
PayU	Card or PayPal checkout with INR settlement²	Not estimated: exchange margin not published¹³	This page

For other routes, see PayU alternatives and comparisons such as PayU vs Adyen.

How did we verify this?

We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.

Frequently asked questions

Does PayU charge a setup or annual fee?+

PayU's Standard Plan lists a zero setup fee and a zero annual maintenance fee, marked with a 'T&C Apply' note that the PayU pricing page does not explain. PayU does not publish a monthly minimum or an account closure fee for international payments, so ask PayU what the note covers.¹³

Is the PayU FIRC free?+

PayU says it provides a FIRC (Foreign Inward Remittance Certificate) through the merchant's Key Account Manager but does not publish whether there is a charge. PayU also does not publish how often a FIRC is issued or the cost of a duplicate, so confirm both with your account manager.³

Can PayU settle in a foreign currency or to an EEFC account?+

PayU's documentation says settlement can be in INR or non-INR currencies, and lists EEFC (Exchange Earners' Foreign Currency) account support. PayU does not publish the cost of non-INR settlement, so a business that wants to hold foreign currency should ask PayU for the terms in writing.⁴

Is there a per-transaction limit on PayU international payments?+

Under RBI rules, cross-border payment aggregator transactions for exports are limited to ₹25 lakh each. PayU does not publish a separate limit of its own on its pricing or international payments pages, so check with PayU before invoicing a foreign client for a large amount through the PayU checkout.¹²⁵

Does PayU cover domestic payment rates too?+

PayU's India pricing page also lists domestic rates, which are not covered on this page. PayU says enterprise customers can get custom pricing, so an Indian business with large card volumes from abroad should ask PayU for a written quote before comparing PayU with other routes.¹

Which cards fall under PayU's 3% slab?+

PayU's pricing FAQ says international card transactions fall under the 3% slab, and the same 3% slab covers Diners, American Express and EMI transactions in PayU's pricing table. GST is applicable extra on the PayU fee for each of these card types.¹

This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.

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