How much are payment fees really costing you?

Enter your numbers. We'll show your effective fee rate across every major Indian gateway, what you're leaking to failed payments, and exactly where to route each rupee. No signup, nothing stored.

Your payment profile

Rough numbers are fine — you can refine later. Nothing is stored.

Monthly payment volume (₹)

Average transaction value (₹)

≈ 1,667 transactions / month

Current gateway

Payment mix (%)total 100%

UPI55%

Cards (domestic)25%

Net Banking8%

Wallets7%

International cards5%

Save by switching

₹10,332

per year vs your current gateway, using Cashfree

Save by routing

₹10,344

per year with per-method smart routing

Recoverable revenue

₹5,04,000

per year by routing to higher-success rails

Every gateway, ranked by your real cost

Monthly fee (incl. 18% GST) on your volume and mix. Lower is better.

Gateway	Monthly fee	Eff. rate	Leakage / mo	Settle
Cashfree Cheapest	₹21,559	1.08%	₹2,03,800	T+1
PayU	₹22,149	1.11%	₹2,07,200	T+2
Paytm PG	₹22,326	1.12%	₹2,25,600	T+2
RazorpayYou	₹22,420	1.12%	₹2,11,400	T+2
PhonePe PG covers 95% of your mix	₹18,880	0.99%	₹2,75,400	T+1
Stripe (India) covers 85% of your mix	₹44,604	2.62%	₹4,98,000	T+7

Your smart-routing recommendation

Send each rail to the cheapest gateway — and where success rates differ, the highest-converting one.

UPI55% of volume

Cheapest: Razorpay (₹0/mo)

Best success: PhonePe PG (95%)

Cards (domestic)25% of volume

Cheapest: Cashfree (₹11,210/mo)

Best success: PayU (88%)

Net Banking8% of volume

Cheapest: Cashfree (₹3,587/mo)

Best success: PayU (86%)

Wallets7% of volume

Cheapest: Cashfree (₹3,221/mo)

Best success: Paytm PG (90%)

International cards5% of volume

Cheapest: Razorpay (₹3,540/mo)

Best success: Stripe (India) (82%)

Smart routing rules across multiple gateways are a Smart Routing plan feature. The free audit shows you the opportunity; the paid plan automates the rules and tracks savings.

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Get this breakdown plus a step-by-step migration checklist and a savings summary you can forward to your finance team.

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Rates are indicative standard public MDR as of mid-2026 and exclude negotiated or volume-based discounts. Success rates are conservative industry averages used to estimate relative leakage. Verify exact pricing with each provider. PayRouter is vendor-neutral and not affiliated with any gateway.