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What are Razorpay 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

Razorpay charges 1% per international bank transfer received through its MoneySaver Export Account, GST applicable.² A flat ₹1,000 applies to transactions below ₹1,00,000.² Razorpay says the bank transfer FX markup is 0%.¹² US ACH debit through Flash Links costs 2%.² International cards cost up to 3% per successful transaction plus 18% GST.¹

Fee type	Amount	When it applies
MoneySaver bank transfer fee	1% per transaction, GST applicable²	Bank transfer to virtual account details, ₹1,00,000 or more²
MoneySaver flat fee	₹1,000, GST applicable²	Bank transfer below ₹1,00,000²
Flash Links fee	2%²	US client pays by ACH debit²
International card fee	Up to 3% per successful transaction, plus 18% GST¹	Foreign card or wallet payment¹
FX markup on bank transfers	0%¹²	MoneySaver conversion to INR¹²
Setup and annual fee	₹0 on the Standard plan²	MoneySaver Export Account²

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	RazorpayThis pageMoneySaver 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.

Razorpay publishes separate prices for its two cross-border products: the MoneySaver Export Account for international bank transfers, and its international payment gateway for foreign cards and wallets.¹ This page lists every fee Razorpay publishes for an Indian business receiving money from abroad, as checked on Razorpay's own pages on 28 October 2026.¹² For how the products work, eligibility and compliance, see the Razorpay review.

What are Razorpay fees at a glance?

Razorpay fees at a glance are 1% for a bank transfer, 2% for a US ACH debit through Flash Links, and up to 3% for a card, on the Standard plan.¹² The table lists each fee as Razorpay publishes it.¹²⁴⁵⁸

Receiving method	Razorpay fee	GST	Published settlement time	Best for
Bank transfer to virtual account (ACH, FPS, SEPA, SWIFT)	1% per transaction; flat ₹1,000 on transactions below ₹1,00,000	"GST applicable" (rate not stated on this line)	1 day; T+1 from capture or invoice upload, whichever is later	Clients paying by bank transfer
Flash Links (US ACH debit)	2%	"GST applicable"	5 days; around T+5 business days	US clients paying from a link
International cards and wallets	Up to 3% per successful transaction	18%	Not stated on the pricing page; FAQ refers to T+7 working days	Clients paying by card
PayPal through Razorpay	Charged at PayPal's rates	Not published	Not published	Clients who already use PayPal

Sources for the settlement column: Razorpay's MoneySaver page and docs, and its international payments FAQ.²⁴⁵⁸ The PayPal line is from Razorpay's international payments page.³ Enterprise plan fees, FX markup, setup fee and annual fee are all "Custom" and not published.¹

How does Razorpay charge Indian users?

Razorpay charges Indian users a percentage of each receipt, with a flat minimum on small bank transfers and GST on top.¹²

Transaction fee: 1% for MoneySaver bank transfers, 2% for Flash Links and up to 3% for international cards.¹²
FX markup: 0% on MoneySaver bank transfers; not published for card payments.¹²⁶
Withdrawal fee: None published; Razorpay settles to your Indian account in INR after deducting its charges.⁴
Fixed fee: A flat ₹1,000 on MoneySaver transactions below ₹1,00,000.²

Razorpay's international payments page describes the card fee as "3% + taxes", while the pricing page says "up to 3%".³¹

What does Razorpay charge by payment method?

Razorpay charges by payment method: bank transfers into MoneySaver virtual account details cost 1%, Flash Links ACH debits cost 2%, and international cards and wallets cost up to 3%.¹²

Payment method	Razorpay fee	Best for
ACH, FPS, SEPA or SWIFT transfer to MoneySaver account details	1%, or ₹1,000 flat below ₹1,00,000²	Clients in the US, UK and eurozone paying by bank
Flash Links (US ACH debit)	2%²⁵	US clients who prefer a payment link
International cards (Visa, Mastercard, Amex, Diners, Discover, JCB, UnionPay)	Up to 3% per successful transaction plus 18% GST¹	Clients paying by card
PayPal	PayPal's rates³	Clients who already use PayPal

Razorpay lists no setup fee and no annual maintenance charge for international cards.¹ The bank transfer route is the lowest published percentage of the three.¹²

What is the Razorpay currency conversion fee and FX markup?

Razorpay says MoneySaver bank transfers are converted at the live exchange rate with a 0% FX markup.¹² For card and other payment-gateway payments, Razorpay's docs say the amount is converted to INR at the exchange rate of the processing bank on the date the payment was made, and no markup or spread is published.⁶

Bank transfers: 0% markup at the live exchange rate.¹²
Cards: processing bank's rate on the payment date; markup not published.⁶

For example, on a receipt worth ₹1,00,000 or more, the MoneySaver fee is 1% of the value plus GST, with no FX markup added, so the published cost is 1% before GST.² A smaller receipt costs the flat ₹1,000 instead, with GST applicable.²

What are Razorpay withdrawal and settlement fees?

Razorpay publishes no separate withdrawal or settlement fee: money is settled to your Indian account in INR after Razorpay deducts the appropriate charges.⁴

Currency holding: Funds cannot be held in the foreign currency accounts.⁴
EEFC settlement: Razorpay says it supports non-INR settlement to an EEFC account and publishes no separate fee for it.⁴
Invoice condition: A MoneySaver settlement does not start until you upload a valid invoice and the buyer's address, except for Amazon, Upwork and Freelancer platform transactions.⁴
Early settlement: For card payments, Razorpay's FAQ says early settlement is available at an additional charge, which it does not publish.⁸
FIRS: Razorpay emails a FIRS within 24 hours after a MoneySaver settlement, and the dashboard shows FIRS certificates provided by the bank and Razorpay-generated statements, with no charge published.⁴⁷

Upload the invoice as soon as the payment arrives, since the T+1 clock runs from capture or invoice upload, whichever is later.²⁴

Is GST charged on Razorpay fees?

Yes, GST is charged on Razorpay fees: the pricing page lists 18% GST on the international card fee, and the MoneySaver and Flash Links fees are marked "GST applicable" without a rate.¹²

Cards: 18% GST on the platform fee.¹
MoneySaver bank transfers: "GST applicable", rate not stated.²
Flash Links: "GST applicable", rate not stated.²

Because the rate on bank transfer fees is not stated, cost estimates for MoneySaver show a range.²

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

The INR you receive with Razorpay on $2,000, $5,000 and $10,000 is shown below, computed from Razorpay's published MoneySaver fee and 0% FX markup at today's reference rate.¹² The range reflects the unstated GST rate on bank transfer fees.²

Platform	Best for	INR on USD 2,000	INR on USD 5,000	INR on USD 10,000	Cost on USD 5,000
RazorpayMost INRMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,86,262 to ₹1,86,601	₹4,65,655 to ₹4,66,503	₹9,31,311 to ₹9,33,007	1.00 to 1.18%

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.

What hidden or one-off charges does Razorpay apply?

Razorpay's published one-off charges are limited, and several are listed as not published.¹⁸

Chargeback: Chargeback fees for international cards are not published on the pricing page.¹
Early settlement: Available for card payments at an additional charge that Razorpay does not publish.⁸
Currency holding: Not offered; funds cannot be held in the foreign currency accounts.⁴
Flat fee threshold: Razorpay does not say whether the ₹1,00,000 threshold for the flat ₹1,000 fee is checked against the transaction value in INR before or after conversion.²

Razorpay does not publish a per-transaction or monthly limit for international receipts; RBI's Payment Aggregator directions cap PA-CB export transactions at ₹25 lakh per transaction.¹⁹

How can you reduce Razorpay fees?

You can reduce Razorpay fees by steering clients to the 1% MoneySaver bank transfer route and keeping each receipt at or above ₹1,00,000, where the flat fee no longer applies.¹²

Prefer bank transfer: 1% compares with 2% for Flash Links and up to 3% for cards.¹²
Avoid small transfers: Below ₹1,00,000 the flat ₹1,000 fee is more than 1% of the receipt.²
Upload invoices promptly: Settlement waits for a valid invoice and buyer address.⁴

For example, a receipt worth ₹50,000 pays the flat ₹1,000, which is 2% of its value, while a receipt worth ₹2,00,000 pays 1%.² Fees for invoices, platforms and clients vary, so read Razorpay's current pricing before you quote a net amount to a client.

How do Razorpay fees compare with other platforms?

Razorpay fees compare with other platforms as shown below, sorted by estimated cost on a USD 5,000 receipt on published fees, cheapest first.¹²

Platform	Estimated cost on USD 5,000	Best for
Skydo	0.68%¹⁰¹¹¹²	Local bank transfers from major markets¹³
Razorpay	1.00 to 1.18%²¹	Local transfers from the US, UK and eurozone⁴
Karbon Business	1.00 to 1.18%¹⁴¹⁵	US bank transfers and marketplace payouts¹⁴
Winvesta	1.24%¹⁶¹⁷	Local transfers with a published per-payment fee¹⁶¹⁸
Payoneer	1.00 to 4.00%¹⁹²⁰	Marketplace payouts such as Amazon or Upwork²¹

Platform	Best for	INR on USD 2,000	INR on USD 5,000	INR on USD 10,000	Cost on USD 5,000
SkydoMost INRTransfer to Skydo local account details or international SWIFT account	Local bank transfers from major markets	₹1,86,373	₹4,67,991	₹9,39,206	0.68%
Karbon BusinessBank transfer to a Karbon virtual USD account	US bank transfers and marketplace payouts	₹1,86,262 to ₹1,86,601	₹4,65,655 to ₹4,66,503	₹9,31,311 to ₹9,33,007	1.00 to 1.18%
RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,86,262 to ₹1,86,601	₹4,65,655 to ₹4,66,503	₹9,31,311 to ₹9,33,007	1.00 to 1.18%
WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)	Local transfers with a published per-payment fee	₹1,85,951	₹4,65,377	₹9,31,088	1.24%
PayoneerLocal bank transfer to Payoneer receiving account details	Marketplace payouts such as Amazon or Upwork	₹1,80,947 to ₹1,86,601	₹4,52,367 to ₹4,66,503	₹9,04,734 to ₹9,33,007	1.00 to 4.00%

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

Is there a fee for Razorpay's FIRC or FIRS?+

Razorpay publishes no charge for its inward remittance documents. The pricing page lists FIRC or eFIRC as included and auto-generated for international cards, and the MoneySaver docs say a Foreign Inward Remittance Statement (FIRS) is emailed within 24 hours after settlement of a bank transfer.¹⁴

Is there an annual fee for the Razorpay MoneySaver Export Account?+

No annual fee is charged on the Standard plan. Razorpay lists a one-time setup fee of ₹0 and an annual maintenance fee of ₹0 for the MoneySaver Export Account. Enterprise plan pricing, including setup fee, annual fee and FX markup, is listed as custom and is not published.¹²

Which cards can foreign clients use to pay through Razorpay?+

Razorpay's pricing page lists Visa, Mastercard, Amex, Diners, Discover, JCB and UnionPay as supported international cards. Each card payment costs up to 3% per successful transaction, with 18% GST on that fee, and Razorpay charges no setup fee or annual maintenance charge for international cards.¹

How long does Razorpay take to settle an international bank transfer?+

Razorpay lists settlement for a MoneySaver bank transfer at 1 day, T+1 from capture or invoice upload, whichever is later. Settlement does not start until you upload a valid invoice and the buyer's address, except for Amazon, Upwork and Freelancer platform transactions.²⁴

Is there a limit on international payments received through Razorpay?+

Razorpay does not publish its own per-transaction or monthly limit for international receipts on the pages checked. RBI's Payment Aggregator directions cap each PA-CB export transaction at ₹25 lakh. Check with Razorpay how that cap applies to your own account before you invoice a large project.¹⁹

Can I accept PayPal payments through Razorpay?+

Razorpay's international payments page lists PayPal as an option, charged at PayPal's rates. Razorpay does not publish its own fee, GST treatment or settlement time for PayPal payments, so check PayPal's seller fees for India before you offer PayPal to a client through Razorpay.³

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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