Upi Payment Gateway Integration Charges Per Day

How to Calculate UPI Payment Gateway Integration Charges

Unified Payments Interface (UPI) has drastically transformed digital payments in India. Today, businesses of all sizes—from startups to enterprise-level companies—are integrating UPI as a primary mode of accepting payments. However, as the adoption of UPI increases, so does the curiosity around the UPI payment gateway integration charges.

Many business owners ask:
“What does it really cost to integrate UPI into my platform?”
“Are there daily charges I should be aware of?”
“How do different payment gateways structure their pricing?”

At Maxway Infotech, we help businesses seamlessly implement payment gateways and ensure they’re fully aware of the pricing models before making a decision. In this article, we break down everything you need to know about calculating UPI payment gateway integration charges, including UPI payment gateway integration charges per day, and what factors influence the cost.

What is UPI Payment Gateway Integration?

Integrating a UPI payment gateway involves linking a business website, mobile application, or software platform to a payment gateway that facilitates UPI transactions. This allows customers to make instant payments using their UPI apps like Google Pay, PhonePe, Paytm, or BHIM.

Integration can be done via:

• APIs (Application Programming Interfaces)
• SDKs (Software Development Kits)
• Pre-built plugins for platforms like WooCommerce or Shopify

Why Understanding Charges is Important

When you’re setting up your payment infrastructure, budgeting accurately is key. Knowing your UPI payment gateway integration charges upfront helps you avoid unexpected costs, negotiate better deals, and choose the most cost-effective gateway for your business model.

Components of UPI Payment Gateway Integration Charges

Let’s break down the costs associated with UPI payment integration into several components:

1. Setup or Onboarding Charges

These are one-time charges that some payment gateway providers may impose for:

• API or SDK access
• Integration support
• Merchant onboarding

Tip from Maxway Infotech: Some providers waive setup fees for small businesses or during promotional periods. Always check for offers.

2. Transaction Charges (TDR – Transaction Discount Rate)

This is the most common type of cost. Payment gateways impose a minor percentage or a set fee for each transaction.

Typical UPI Transaction Charges:

• 0% to 0.3% per transaction for UPI payments
• Some players offer zero transaction fees for a limited volume or time

Example:
If your UPI transaction volume is ₹100,000 per day and the transaction fee is 0.25%, your UPI payment gateway integration charges per day would be ₹250.

3. Settlement Charges

Some gateways offer instant settlements for a fee, while standard settlement (T+1 or T+2 days) is often free.

Instant settlement fees vary between ₹3 and ₹10 for each transaction.

4. Maintenance Fees

Recurring monthly or annual fees may apply for:

• Dashboard access
• Customer support
• API usage monitoring

These charges are not universal but are worth checking before finalizing a provider.

UPI Payment Gateway Integration Charges Per Day: How to Calculate

To calculate your daily UPI payment gateway charges, follow this simple formula:

Formula:

Daily Charges = (Total Daily Transaction Amount) x (TDR Rate) + (Instant Settlement Charges, if any) + (Maintenance Charges / 30)

Example Calculation:

• Daily transaction amount = ₹50,000
• TDR (transaction charge) = 0.3%
• Instant settlements used for all = ₹5 per transaction, 50 transactions/day
• Monthly maintenance = ₹900

TDR Charges = 0.3% of ₹50,000 = ₹150
Settlement Charges = 50 x ₹5 = ₹250
Maintenance = ₹900 / 30 = ₹30

Total UPI Payment Gateway Charges Per Day = ₹150 + ₹250 + ₹30 = ₹430

This gives you a realistic picture of your UPI payment gateway integration charges per day.

Factors That Influence UPI Payment Integration Costs

1. Business Type

High-risk businesses (like gaming or forex) may be charged higher rates than low-risk sectors (like education or retail).

2. Transaction Volume

Most payment gateways offer volume-based discounts. If you process more than ₹5–10 lakhs per month, you can often negotiate better rates.

3. Settlement Speed

Faster settlements generally cost more. Decide if instant access to funds is crucial for your business.

4. Integration Complexity

If you’re integrating with a custom-built application, the development effort may increase, affecting your one-time setup costs.

Analysis of UPI Payment Fees by Leading Gateways (2025 Overview)

Note: Prices are subject to change and should be verified with each provider.

How Maxway Infotech Can Help You Save

As a technology partner trusted by SMEs and startups across India, Maxway Infotech offers strategic consulting and hands-on development for integrating UPI payment gateways.

Our Value Proposition:

• Transparent Pricing Guidance: We help you understand and estimate your UPI payment gateway integration charges with precision.
• Custom Integration: Whether it’s Razorpay, Cashfree, or PhonePe, we ensure your gateway is seamlessly embedded into your website or app.
• Cost Optimization: We advise on the best payment partners to minimize your UPI payment gateway integration charges per day.
• Maintenance & Support: Our post-deployment team ensures your payment system runs smoothly and remains compliant with NPCI guidelines.

Tips to Minimize Your UPI Integration Charges

1. Negotiate With Gateway Providers—Don’t accept the default pricing. Use your projected volumes to negotiate better rates.
2. Avoid Unnecessary Features—Stick to the basics if you don’t need value-added services.
3. Choose Scheduled Settlements—If instant cash flow isn’t essential, opt for T+1 settlements to avoid fees.
4. Go with a Bundled Solution – Some providers offer bundled plans for UPI, cards, and wallets at lower rates.