﻿{"id":665,"date":"2025-08-07T05:47:39","date_gmt":"2025-08-07T05:47:39","guid":{"rendered":"https:\/\/cardgrid.in\/blog\/?p=665"},"modified":"2025-08-07T05:47:39","modified_gmt":"2025-08-07T05:47:39","slug":"credit-card-processing-fees-charges","status":"publish","type":"post","link":"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/","title":{"rendered":"Credit Card Processing Fees &#038; Charges May 2026"},"content":{"rendered":"<p class=\"p1\">Running an online business today means accepting digital payments\u2014and credit cards are at the heart of it. But every time a customer swipes or enters their card online, there\u2019s a small cost involved for the business. This is known as the <b>credit card processing fee<\/b>.<\/p>\n<p class=\"p1\">Whether you&#8217;re a startup or a growing e-commerce brand, understanding <b>credit card processing rates<\/b>, how they&#8217;re calculated, and what you&#8217;re being charged for is crucial. These charges vary depending on the <b>payment gateway<\/b>, the type of card (debit or credit), transaction volume, and more.<\/p>\n<p class=\"p1\">In this blog, we break down the different <b>credit card processor rates<\/b>, explain how <b>online credit card processing fees<\/b> work, and help you compare the <b>credit card processing charges<\/b> across popular gateways in India. So if you&#8217;re looking to choose the most cost-effective solution for your business, read on to make an informed decision.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey 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\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/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:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#How_Credit_Card_Processing_Works\" >How Credit Card Processing Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_Are_Credit_Card_Charges_for_Merchants\" >What Are Credit Card Charges for Merchants?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Credit_Card_Transaction_Charges_in_India_May_2026\" >Credit Card Transaction Charges in India May 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#How_Much_is_Credit_Card_Processing_Fee\" >How Much is Credit Card Processing Fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Popular_Payment_Gateways_in_India_May_2026\" >Popular Payment Gateways in India May 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#1_Razorpay\" >1. Razorpay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#2_PayU\" >2. PayU<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#3_CCAvenue\" >3. CCAvenue<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#4_Instamojo\" >4. Instamojo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#5_Cashfree_Payments\" >5. Cashfree Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#6_BillDesk\" >6. BillDesk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#7_Stripe_India\" >7. Stripe India<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Average_Credit_Card_Processing_Rates_in_India_May_2026\" >Average Credit Card Processing Rates in India May 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Why_It_Matters_for_Small_Businesses\" >Why It Matters for Small Businesses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_is_the_credit_card_processing_fee_for_HDFC\" >What is the credit card processing fee for HDFC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_is_the_credit_card_processing_fee_in_India\" >What is the credit card processing fee in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Is_there_a_processing_fee_on_Credit_Card_EMI\" >Is there a processing fee on Credit Card EMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_is_the_HDFC_Credit_Card_processing_fee_for_EMI\" >What is the HDFC Credit Card processing fee for EMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_is_the_Axis_Bank_credit_card_processing_fee_for_EMI\" >What is the Axis Bank credit card processing fee for EMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#What_are_the_credit_card_charges_by_SBI\" >What are the credit card charges by SBI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Is_GST_applicable_on_credit_card_processing_fees\" >Is GST applicable on credit card processing fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Trending_Credit_Cards_In_India_July_2025\" >Trending Credit Cards In India July 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Tata_Neu_Infinity_HDFC_Bank_Credit_Card\" >Tata Neu Infinity HDFC Bank Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#ICICI_Bank_Rubyx_Credit_Card\" >ICICI Bank Rubyx Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#SBI_Elite_Credit_Card\" >SBI Elite Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/#Explore_All_Credit_Cards\" >Explore All Credit Cards<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"How_Credit_Card_Processing_Works\"><\/span><span style=\"color: #000080;\"><b>How Credit Card Processing Works<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">Every time a customer uses a credit card to make a purchase\u2014whether in-store or online\u2014a complex process happens behind the scenes in just a few seconds. This process ensures the transaction is secure, authorized, and successfully settled into the merchant&#8217;s bank account. But this convenience comes with a cost, known as <b>credit card merchant fees<\/b>.<\/p>\n<p class=\"p2\">Here\u2019s how credit card processing works in simple steps:<\/p>\n<ol class=\"ol1\">\n<li class=\"li2\"><span style=\"color: #000080;\"><b>Customer Initiates Payment: <\/b><\/span>A customer swipes, taps, or enters their credit card details during checkout (POS machine or online gateway).<\/li>\n<li class=\"li2\"><b><span style=\"color: #000080;\">Transaction Sent for Authorization:<\/span> <\/b>The payment processor sends the transaction data to the card network (like Visa, Mastercard, RuPay).<\/li>\n<li class=\"li2\"><span style=\"color: #000080;\"><b>Bank Checks and Approves: <\/b><\/span>The card-issuing bank checks if the customer has enough balance or credit limit. Once approved, the bank sends an authorization.<\/li>\n<li class=\"li2\"><span style=\"color: #000080;\"><b>Transaction Completion: <\/b><\/span>The approval reaches the merchant\u2019s payment gateway or terminal, and the transaction is confirmed.<\/li>\n<li class=\"li2\"><span style=\"color: #000080;\"><b>Settlement: <\/b><\/span>Funds are transferred to the merchant\u2019s account (minus applicable fees), usually within 1-2 working days.<\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-674 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-300x179.png\" alt=\"Credit Card Processing Fees\" width=\"300\" height=\"179\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-300x179.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-1024x612.png 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-768x459.png 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-990x592.png 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/Credit-Card-Processing-Fees-1320x789.png 1320w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"What_Are_Credit_Card_Charges_for_Merchants\"><\/span><span style=\"color: #000080;\"><b>What Are Credit Card Charges for Merchants?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">Merchants pay a small percentage of each transaction to process card payments. These are called <b>merchant credit card fees<\/b> or <b>credit card processing charges<\/b>. The fee typically includes:<\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>Interchange Fee<\/b>: Paid to the cardholder\u2019s bank.<\/li>\n<li class=\"li2\"><b>Assessment Fee<\/b>: Paid to the card network (like Visa or Mastercard).<\/li>\n<li class=\"li2\"><b>Payment Gateway\/Processor Fee<\/b>: Charged by the service provider handling the transaction.<\/li>\n<\/ul>\n<p class=\"p2\">Together, these form the <b>merchant credit card rates<\/b>, which usually range between <b>1.5% to 3%<\/b> of the transaction amount.<\/p>\n<div style=\"background: #09316B; padding: 16px 24px; border-radius: 8px; display: flex; align-items: center; max-width: 600px; margin: 20px auto;\"><img decoding=\"async\" class=\"\" style=\"width: 119px; margin-right: 18px; border-radius: 6px; background: #ffffff;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/BookMyShow-Credit-Card-Offers.webp\" alt=\"Trending BookMyShow Credit Card Offers 2025\" height=\"67\" \/><br \/>\n<span style=\"color: #fff; font-size: 18px; flex: 1;\">Trending BookMyShow Credit Card Offers 2025<\/span><br \/>\n<a style=\"background: #FFA500; color: #fff; padding: 10px 24px; border-radius: 5px; text-decoration: none; font-weight: bold; margin-left: 18px;\" href=\"https:\/\/cardgrid.in\/blog\/bookmyshow-credit-card-offers\/\">Read More<\/a><\/div>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"Credit_Card_Transaction_Charges_in_India_May_2026\"><\/span><span style=\"color: #000080;\"><b>Credit Card Transaction Charges in India May 2026<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">In India, <b>credit card transaction charges<\/b> vary by bank, card type, business category, and payment processor. For example:<\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>Retail stores<\/b> may pay lower rates than high-risk businesses.<\/li>\n<li class=\"li2\"><b>Online businesses<\/b> using a payment gateway might incur an added service tax or tech fee.<\/li>\n<li class=\"li2\">Domestic vs. international cards also influence the rates.<\/li>\n<\/ul>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"How_Much_is_Credit_Card_Processing_Fee\"><\/span><span style=\"color: #000080;\"><b>How Much is Credit Card Processing Fee?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">So, <b>how much is credit card processing fee<\/b> for merchants? On average in India:<\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>POS (swipe machine)<\/b>: 1.5%\u20132% per transaction<\/li>\n<li class=\"li2\"><b>Online gateway<\/b>: 1.75%\u20132.5% per transaction<\/li>\n<li class=\"li2\"><b>International cards<\/b>: Up to 3.5% per transaction<\/li>\n<\/ul>\n<p class=\"p2\">The exact fee depends on the processor, business type, and volume of monthly transactions.<\/p>\n<p class=\"p2\">By understanding the full process and fees involved, merchants can choose the most cost-effective solution, negotiate better rates, and increase profitability while offering customers a seamless payment experience.<\/p>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"Popular_Payment_Gateways_in_India_May_2026\"><\/span><span style=\"color: #000080;\"><b>Popular Payment Gateways in India May 2026<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p1\">If you run an online business or want to accept digital payments, choosing the right <b>payment gateway in India<\/b> is crucial. A good gateway ensures faster settlements, secure transactions, and low processing fees. Below, we\u2019ve listed some of the <b>most popular payment gateways in India<\/b>, complete with a <b>comparison table<\/b> and detailed subsections for each.<\/p>\n<table class=\"t1\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>Payment Gateway<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>Setup Fee<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>Annual Maintenance<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>Transaction Fee (Domestic)<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>Settlement Time<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p4\"><b>International Payments<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Razorpay<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">1.75% + GST<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+2 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">PayU<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">2% + GST<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+2 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">CCAvenue<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90\u2013\u20b930,000<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b91,200\/year<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">2% + GST<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+2 to T+3 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Instamojo<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">2% + \u20b93 per transaction<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+3 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Cashfree<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">1.75% + GST<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+1 to T+2 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">BillDesk<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Custom<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Custom<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Varies<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+2 to T+3 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Stripe India<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">\u20b90<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">2% + GST<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">T+2 to T+3 days<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Yes<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"p1\">Now let\u2019s take a look at each of these payment gateways in detail:<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"1_Razorpay\"><\/span><span style=\"color: #000080;\"><b>1. Razorpay<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-667 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-300x96.jpg\" alt=\"credit card processing fees\" width=\"300\" height=\"96\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-300x96.jpg 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-1024x328.jpg 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-768x246.jpg 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-990x317.jpg 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-fees-1320x423.jpg 1320w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: Razorpay is one of the most widely used payment gateways in India, especially among startups and online service providers. Its user-friendly dashboard and quick onboarding process make it ideal for new businesses.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 1.75% per domestic transaction + GST<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+2 working days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Offers subscriptions, links, and payment pages<\/li>\n<li class=\"li1\">API integrations for mobile apps and websites<\/li>\n<li class=\"li1\">RazorpayX for payroll and banking solutions<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: Startups, e-commerce, SaaS platforms<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"2_PayU\"><\/span><span style=\"color: #000080;\"><b>2. PayU<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-668 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates-300x150.png\" alt=\"credit card processing rates\" width=\"300\" height=\"150\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates-300x150.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates-1024x511.png 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates-768x383.png 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates-990x494.png 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-rates.png 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: Known for its simple pricing and efficient processing, PayU is preferred by businesses with recurring billing models, like subscription boxes or educational platforms.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 2% + GST<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+2 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Supports EMI, UPI, wallets, and net banking<\/li>\n<li class=\"li1\">Seamless integration with Shopify, WooCommerce, etc.<\/li>\n<li class=\"li1\">Offers risk management and fraud prevention tools<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: EdTech, Subscription businesses<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"3_CCAvenue\"><\/span><span style=\"color: #000080;\"><b>3. CCAvenue<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-669 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processor-rates.png\" alt=\"credit card processor rates\" width=\"225\" height=\"225\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processor-rates.png 225w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processor-rates-150x150.png 150w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processor-rates-65x65.png 65w\" sizes=\"auto, (max-width: 225px) 100vw, 225px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: CCAvenue is one of the oldest and most established payment gateways in India. It offers multi-currency processing and has robust enterprise-level features.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 2% + GST (varies with plan)<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported with over 200 payment options<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+2 to T+3 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Supports 27+ major currencies<\/li>\n<li class=\"li1\">PCI DSS compliant security<\/li>\n<li class=\"li1\">Invoice billing and smart dynamic routing<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: Large businesses, multinational corporations<\/p>\n<div style=\"background: #09316B; padding: 16px 24px; border-radius: 8px; display: flex; align-items: center; max-width: 600px; margin: 20px auto;\"><img decoding=\"async\" class=\"\" style=\"width: 132px; margin-right: 18px; border-radius: 6px; background: #ffffff;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/best-no-apr-credit-cards.png\" alt=\"Best 0 APR Credit Cards In India\" height=\"41\" \/><br \/>\n<span style=\"color: #fff; font-size: 18px; flex: 1;\">Best 0 APR Credit Cards In India 2025<\/span><br \/>\n<a style=\"background: #FFA500; color: #fff; padding: 10px 24px; border-radius: 5px; text-decoration: none; font-weight: bold; margin-left: 18px;\" href=\"https:\/\/cardgrid.in\/blog\/best-0-apr-credit-cards-in-india\/\">Read More<\/a><\/div>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"4_Instamojo\"><\/span><span style=\"color: #000080;\"><b>4. Instamojo<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-670 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-charges-300x300.png\" alt=\"credit card processing charges\" width=\"300\" height=\"300\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-charges-300x300.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-charges-150x150.png 150w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-charges-65x65.png 65w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-processing-charges.png 400w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: Instamojo is the easiest payment gateway to set up for freelancers and small business owners. It doesn\u2019t require a website to start accepting payments.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 2% + \u20b93 per transaction + GST<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+3 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Zero setup and maintenance cost<\/li>\n<li class=\"li1\">Payment links and online store builder<\/li>\n<li class=\"li1\">Easy plugin integration with WooCommerce, Wix, etc.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: Freelancers, Instagram sellers, solopreneurs<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"5_Cashfree_Payments\"><\/span><span style=\"color: #000080;\"><b>5. Cashfree Payments<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-671 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees-300x158.png\" alt=\"online credit card processing fees\" width=\"300\" height=\"158\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees-300x158.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees-1024x538.png 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees-768x403.png 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees-990x520.png 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/online-credit-card-processing-fees.png 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: Cashfree is gaining traction due to its lightning-fast settlements and competitive pricing. It also offers advanced features like payouts, split payments, and pre-authorization.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 1.75% + GST (domestic)<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: As fast as T+1 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">API-based payouts for refunds or vendor payments<\/li>\n<li class=\"li1\">Auto-reconciliation and smart dashboard<\/li>\n<li class=\"li1\">Offers \u201cAuto Collect\u201d and NEFT\/RTGS integrations<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: High-volume merchants, marketplaces<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"6_BillDesk\"><\/span><span style=\"color: #000080;\"><b>6. BillDesk<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-672 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-merchant-fees-300x117.jpeg\" alt=\"credit card merchant fees\" width=\"300\" height=\"117\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-merchant-fees-300x117.jpeg 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/credit-card-merchant-fees.jpeg 360w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: BillDesk is trusted by some of the largest corporations and government portals in India. Its fees and services are customized based on transaction volume.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: Varies (Custom pricing)<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+2 to T+3 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Handles utility, insurance, and government payments<\/li>\n<li class=\"li1\">Robust back-end reporting and reconciliation<\/li>\n<li class=\"li1\">High-level encryption for security<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: Government, telecom, insurance, high-volume businesses<\/p>\n<h3 class=\"p3\"><span class=\"ez-toc-section\" id=\"7_Stripe_India\"><\/span><span style=\"color: #000080;\"><b>7. Stripe India<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-673 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-300x150.png\" alt=\"merchant credit card rates\" width=\"300\" height=\"150\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-300x150.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-1024x512.png 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-768x384.png 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-990x495.png 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates-1320x660.png 1320w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/merchant-credit-card-rates.png 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p class=\"p1\"><b>Why It\u2019s Popular<\/b>: A global leader in online payments, Stripe offers seamless integration for tech-savvy startups and international sellers.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Transaction Fee<\/b>: 2% + GST<\/li>\n<li class=\"li1\"><b>International Payments<\/b>: Supported with multi-currency options<\/li>\n<li class=\"li1\"><b>Settlement Time<\/b>: T+2 to T+3 days<\/li>\n<li class=\"li1\"><b>Notable Features<\/b>:\n<ul class=\"ul1\">\n<li class=\"li1\">Advanced developer-friendly APIs<\/li>\n<li class=\"li1\">Custom checkout experiences<\/li>\n<li class=\"li1\">Smart fraud detection via Radar<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"p1\"><b>Best For<\/b>: SaaS, global e-commerce, tech startups<\/p>\n<p class=\"p1\">Choosing the right <b>payment gateway in India<\/b> depends on your business size, transaction volume, and customer base. If you&#8217;re just starting out, Razorpay or Instamojo offer simplicity and fast integration. For larger businesses, CCAvenue or BillDesk might provide more control and better scalability.<\/p>\n<p class=\"p1\">Don\u2019t forget to compare <b>payment processing fees in India<\/b> and <b>settlement timelines<\/b> before deciding. Even a small difference in <b>credit card processing charges<\/b> can impact your profit margins.<\/p>\n<div style=\"background: #09316B; padding: 16px 24px; border-radius: 8px; display: flex; align-items: center; max-width: 600px; margin: 20px auto;\"><img decoding=\"async\" class=\"\" style=\"width: 120px; margin-right: 18px; border-radius: 6px; background: #ffffff;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/Best-Stock-Market-Brokers-In-India.webp\" alt=\"Top 10 Best Stock Market Brokers In India 2025\" height=\"80\" \/><br \/>\n<span style=\"color: #fff; font-size: 18px; flex: 1;\">Top 10 Best Stock Market Brokers In India 2025<\/span><br \/>\n<a style=\"background: #FFA500; color: #fff; padding: 10px 24px; border-radius: 5px; text-decoration: none; font-weight: bold; margin-left: 18px;\" href=\"https:\/\/cardgrid.in\/blog\/best-stock-market-brokers-in-india\/\">Read More<\/a><\/div>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"Average_Credit_Card_Processing_Rates_in_India_May_2026\"><\/span><span style=\"color: #000080;\"><b>Average Credit Card Processing Rates in India May 2026<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"t1\" style=\"height: 332px;\" width=\"750\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Fee Type<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Typical Range<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Credit Card Processing Rates<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">1.5% \u2013 3% per transaction<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Debit Card Charges (RuPay, Visa, MasterCard)<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">0.4% \u2013 0.9%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Online Credit Card Processing Fees<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">1.75% \u2013 2.5%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">POS Terminal Rental (Monthly)<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">\u20b9300 \u2013 \u20b91,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Setup Charges (one-time)<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">\u20b90 \u2013 \u20b95,000<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"p3\"><i>Note: Fees may vary by provider and plan.<\/i><\/p>\n<h2 class=\"p1\"><span class=\"ez-toc-section\" id=\"Why_It_Matters_for_Small_Businesses\"><\/span><span style=\"color: #000080;\"><b>Why It Matters for Small Businesses<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p3\">Even if you\u2019re only doing a few thousand rupees in card transactions a month, <b>credit card fees for merchants<\/b> can add up. Here&#8217;s why you should pay attention:<\/p>\n<ul class=\"ul1\">\n<li class=\"li3\"><b>Lower margins:<\/b> Every swipe eats into your profit.<\/li>\n<li class=\"li3\"><b>Hidden costs:<\/b> Some providers may charge extra for refunds or chargebacks.<\/li>\n<li class=\"li3\"><b>Vendor fees:<\/b> You may also pay a <b>credit card vendor fee<\/b> or monthly maintenance charge.<\/li>\n<\/ul>\n<p class=\"p3\">Understanding <b>merchant credit card fees<\/b> is essential to running a profitable business. Always ask yourself:<br \/>\n<b>How much is the credit card processing fee?<\/b> Can I negotiate better rates? Can I pass the fee onto customers (if allowed)?<\/p>\n<p class=\"p3\">Choose the right provider that aligns with your business needs. Use a <b>credit card processing fee calculator<\/b> to estimate monthly charges, and avoid overpaying for basic services.<\/p>\n<p class=\"p3\">Whether you\u2019re a caf\u00e9 owner, freelancer, boutique, or digital seller \u2014 finding the <b>best credit card processor rates<\/b> can help you save thousands per year.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"What_is_the_credit_card_processing_fee_for_HDFC\"><\/span><span style=\"color: #000080;\"><b>What is the credit card processing fee for HDFC?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">HDFC usually charges around 1.5%\u20132.5% as credit card processing fees depending on the transaction type and merchant category.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"What_is_the_credit_card_processing_fee_in_India\"><\/span><span style=\"color: #000080;\"><b>What is the credit card processing fee in India?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">In India, credit card processing fees typically range between 1.5% to 3% per transaction, varying by bank and service provider.<\/p>\n<div style=\"background: #09316B; padding: 16px 24px; border-radius: 8px; display: flex; align-items: center; max-width: 600px; margin: 20px auto;\"><img decoding=\"async\" class=\"\" style=\"width: 111px; margin-right: 18px; border-radius: 6px; background: #ffffff;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/Myntra-Credit-Card-Offers.png\" alt=\"Myntra Credit Card Offers 2025 | Updated Today\" height=\"66\" \/><br \/>\n<span style=\"color: #fff; font-size: 18px; flex: 1;\">Myntra Credit Card Offers 2025 | Updated Today<\/span><br \/>\n<a style=\"background: #FFA500; color: #fff; padding: 10px 24px; border-radius: 5px; text-decoration: none; font-weight: bold; margin-left: 18px;\" href=\"https:\/\/cardgrid.in\/blog\/myntra-credit-card-offers\/\">Read More<\/a><\/div>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"Is_there_a_processing_fee_on_Credit_Card_EMI\"><\/span><span style=\"color: #000080;\"><b>Is there a processing fee on Credit Card EMI?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">Yes, credit card EMI transactions may include a one-time processing fee of 1%\u20132% of the transaction amount, based on the bank&#8217;s policy.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"What_is_the_HDFC_Credit_Card_processing_fee_for_EMI\"><\/span><span style=\"color: #000080;\"><b>What is the HDFC Credit Card processing fee for EMI?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">HDFC Bank usually charges a one-time EMI processing fee of \u20b9199\u2013\u20b9999, along with applicable interest rates on EMI conversions.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"What_is_the_Axis_Bank_credit_card_processing_fee_for_EMI\"><\/span><span style=\"color: #000080;\"><b>What is the Axis Bank credit card processing fee for EMI?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">Axis Bank typically charges a processing fee starting from \u20b999 for EMI conversions, which may vary depending on the transaction amount.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"What_are_the_credit_card_charges_by_SBI\"><\/span><span style=\"color: #000080;\"><b>What are the credit card charges by SBI?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">SBI credit card charges may include annual fees, late payment fees, EMI processing fees, and a 1.5%\u20133% transaction fee on select payments.<\/p>\n<h2 class=\"p2\"><span class=\"ez-toc-section\" id=\"Is_GST_applicable_on_credit_card_processing_fees\"><\/span><span style=\"color: #000080;\"><b>Is GST applicable on credit card processing fees?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p2\">Yes, 18% GST is levied on credit card processing fees as per Indian tax regulations, which is billed in addition to the base fee.<\/p>\n<h2 style=\"font-family: Arial, sans-serif; margin-bottom: 16px;\"><span class=\"ez-toc-section\" id=\"Trending_Credit_Cards_In_India_July_2025\"><\/span><span style=\"color: #000080;\">Trending Credit Cards In India July 2025<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"overflow-x: auto; -webkit-overflow-scrolling: touch; padding-bottom: 10px;\">\n<div style=\"display: flex; gap: 20px; min-width: max-content;\">\n<p><!-- Card 1 --><\/p>\n<div style=\"width: 300px; border: 1px solid #ddd; border-radius: 12px; overflow: hidden; background: #fff; flex-shrink: 0;\"><a style=\"text-decoration: none; color: inherit; display: block;\" href=\"https:\/\/cardgrid.in\/credit-card\/tata-neu-infinity-hdfc-bank-credit-card\"><br \/>\n<img decoding=\"async\" style=\"width: 100%; height: 180px; object-fit: cover;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/Tata-Neu-Infinity-HDFC-Bank-Credit-Card.webp\" alt=\"Tata Neu Infinity HDFC Bank Credit Card\" \/><br \/>\n<\/a><\/p>\n<div style=\"padding: 16px;\">\n<h3 class=\"MuiTypography-root jss32 jss119 MuiTypography-h1\"><span class=\"ez-toc-section\" id=\"Tata_Neu_Infinity_HDFC_Bank_Credit_Card\"><\/span>Tata Neu Infinity HDFC Bank Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<div style=\"width: 300px; border: 1px solid #ddd; border-radius: 12px; overflow: hidden; background: #fff; flex-shrink: 0;\"><a style=\"text-decoration: none; color: inherit; display: block;\" href=\"https:\/\/cardgrid.in\/credit-card\/icici-bank-rubyx-credit-card\"><br \/>\n<img decoding=\"async\" style=\"width: 100%; height: 180px; object-fit: cover;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/08\/ICICI-Bank-Rubyx-Credit-Card.jpg\" alt=\"ICICI Bank Rubyx Credit Card\" \/><br \/>\n<\/a><\/p>\n<div style=\"padding: 16px;\">\n<h3 class=\"MuiTypography-root jss32 jss119 MuiTypography-h1\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Rubyx_Credit_Card\"><\/span>ICICI Bank Rubyx Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<p><!-- Card 3 --><\/p>\n<div style=\"width: 300px; border: 1px solid #ddd; border-radius: 12px; overflow: hidden; background: #fff; flex-shrink: 0;\"><a style=\"text-decoration: none; color: inherit; display: block;\" href=\"https:\/\/cardgrid.in\/credit-card\/sbi-elite-credit-card\"><br \/>\n<img decoding=\"async\" style=\"width: 100%; height: 180px; object-fit: cover;\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/SBI-Elite-Credit-Card.webp\" alt=\"SBI Elite Credit Card\" \/><br \/>\n<\/a><\/p>\n<div style=\"padding: 16px;\">\n<h3 class=\"MuiTypography-root jss32 jss119 MuiTypography-h1\"><span class=\"ez-toc-section\" id=\"SBI_Elite_Credit_Card\"><\/span>SBI Elite Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<p><!-- Card 4: Explore More --><\/p>\n<div style=\"width: 300px; border: 1px solid #ddd; border-radius: 12px; overflow: hidden; background: #f9f9f9; display: flex; align-items: center; justify-content: center; flex-direction: column; padding: 20px; flex-shrink: 0;\">\n<div style=\"text-align: center;\">\n<h3 style=\"font-size: 18px; font-family: Arial, sans-serif; margin-bottom: 10px; color: #000080;\"><span class=\"ez-toc-section\" id=\"Explore_All_Credit_Cards\"><\/span>Explore All Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a style=\"display: inline-block; padding: 10px 16px; background: #000080; color: #fff; border-radius: 6px; font-family: Arial, sans-serif; text-decoration: none;\" href=\"https:\/\/cardgrid.in\/\">View All<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Running an online business today means accepting digital payments\u2014and credit cards are at the heart of it. But every time a customer swipes or enters their card online, there\u2019s a small cost involved for the business. This is known as the credit card processing fee. Whether you&#8217;re a startup or a growing e-commerce brand, understanding [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-banking-saving-options"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Card Processing Fees &amp; Charges May 2026<\/title>\n<meta name=\"description\" content=\"Credit Card Processing Fees &amp; Charges May 2026 | credit card processing fees for small business | 1.5% \u2013 3% per transaction\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cardgrid.in\/blog\/credit-card-processing-fees-charges\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Card Processing Fees &amp; 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I simplify complex card features, compare top options, and guide you to smart, rewarding choices on CardGrid.in. 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