Razorpay charges for WhatsApp payment links, as on 17 September 2026

Updated 2026-09-19 · 6 min read · By the Convo360 team

Razorpay charges as on 17 September 2026

Every figure here was read from Razorpay's official pricing page and docs as on 17 September 2026. Razorpay publishes one standard pay-as-you-go rate for its payment gateway. The same page says you can use Payment Links, Payment Pages, Payment Buttons and Invoices "at the same cost", so a link your bot sends inside a WhatsApp chat is charged like any other Razorpay payment.

The pricing page lists cards (Visa, Mastercard, RuPay, American Express, Diners Club, other international cards and corporate credit cards), UPI, netbanking, wallets, EMI, cardless EMI, Pay Later and credit card on UPI. The 2.15% footnote sits below that list, but the page as we could read it does not show which methods it attaches to. Confirm that on the official Razorpay pricing page or in your Dashboard. International card rates sit on a separate tab that we could not read, so they are not quoted here. This article is information, not financial or tax advice.

What you are billed for, and the UPI Zero MDR point

The billing unit is one successful transaction. Razorpay's FAQ says the fee and the applicable GST are deducted from the customer's payment at source, and the remaining amount is settled to your registered bank account. A link that is never paid, or a payment that fails, does not attract the platform fee.

Most customers who pay from a WhatsApp chat choose UPI, so read this part carefully. Razorpay's FAQ states there is Zero MDR (Merchant Discount Rate) on standard bank-to-bank UPI transactions, meaning the bank does not charge you. The same answer then adds that a standard platform or technology fee of 2% will be applied for the dashboard, reporting tools and payment infrastructure. The FAQ also says RuPay debit card transactions are covered under the Zero MDR policy.

In short, Zero MDR is not the same as a zero Razorpay fee. If you are budgeting for UPI orders on the standard plan, use 2% plus GST unless Razorpay has given you a different rate in writing.

Refunds matter too. Razorpay's docs say normal refunds carry no processing fee, but the transaction fee and GST taken when the payment was captured are not returned to you.

Fee-per-order formula with an illustrative order value

The order values below are ILLUSTRATIVE. Put in your own average order value and your own rate if Razorpay has given you custom pricing.

• Platform fee = order value × 2%
• GST on fee = platform fee × 18%
• Total deduction = platform fee + GST, which works out to 2.36% of the order value
• Amount settled = order value minus total deduction

At an illustrative 300 orders of ₹1,000 in a month, that is ₹3,00,000 collected, ₹6,000 in platform fee and ₹1,080 in GST, so ₹7,080 deducted in total. There is no fixed monthly cost on top, because setup and AMC are both ₹0.

Settlement timing and activation, as published

Razorpay's two official pages word this differently, so both are quoted. The settlements docs say the standard settlement cycle for domestic payments is T+2 working days, where T is the date the payment is captured, and that working days do not include bank holidays. The pricing page FAQ says the balance is settled according to your settlement cycle, "typically T+1 or Instant". The docs add that the cycle is subject to bank approval and can vary by business vertical and risk factors. Treat the cycle shown in your own Razorpay Dashboard as the correct one.

Instant Settlements is described as an on-demand feature you request from Razorpay support. Its price is not on the pages we read, so it is not quoted here.

Nothing settles until the account is KYC approved and fully activated. The set-up docs ask for PAN details that depend on your business type, a GST certificate if you have a GSTIN (you can select that you do not have one), and a bank account that Razorpay verifies with a ₹1 deposit. Central KYC can fast-track verification, with Video KYC as the fallback.

How Razorpay connects to Convo360 with your own account

Convo360 is BYOK: you connect your own Razorpay account, the customer pays on Razorpay's page, and Razorpay settles to your bank. The money never passes through Convo360 and there is zero markup on payments. You pay Razorpay's charges to Razorpay and your Convo360 plan separately (see pricing).

1. Open Integrations in your workspace and add Razorpay with your own account keys. The integrations docs cover this.
2. In the Flow Builder, place the Razorpay payment link block after the step where the customer confirms the order. Map the amount, description and customer fields, using a variable such as order_total for variable prices.
3. Set up a payment trigger so that a successful payment starts a confirmation flow. The webhooks docs explain the Razorpay webhook. Each payment webhook is HMAC-verified with your own secret and de-duplicated, and values such as {{payment_amount}} and {{payment_contact}} are available in the flow.
4. Use Preview for a dry run, then make one small real payment and check the settlement report in Razorpay.

The full click path is in how to send Razorpay payment links on WhatsApp. For ordering journeys see the cloud kitchen WhatsApp ordering guide and the D2C ecommerce page.

Ways to reduce payment cost that the fee table supports

• New account offer. Razorpay's welcome offer terms give merchants activated on or after 1 July 2026 zero platform fee on domestic payments for 90 days or up to ₹5,00,000 of transactions, whichever comes first. Prepaid cards, corporate credit cards, American Express, Diners Club and all EMI methods are excluded, and a KYC processing fee of ₹199 plus taxes may apply.
• Avoid refunds you can prevent. The original fee and GST are not reversed on a normal refund. Let the bot confirm items, address and total with a Buttons block before it sends the link.
• Do not count on UPI being cheaper. On the published standard plan, UPI carries the same 2% platform fee, so steering customers to UPI does not lower the Razorpay fee by itself.
• Ask for custom pricing once you cross the ₹5,00,000 a month level that Razorpay names for its enterprise plan.
• Passing the fee to the customer is a model Razorpay's docs describe, but the Payment Links FAQ notes that UPI Payment Links do not work when the customer is the fee bearer.

Example conversation

Frequently asked questions

Official sources

• Razorpay pricing page and pricing FAQs (official) (checked 17 September 2026)
• Razorpay 90-Day 0% Platform Fee Offer terms (official) (checked 17 September 2026)
• Razorpay docs: About Settlements (official) (checked 17 September 2026)
• Razorpay docs: Normal Refunds and refund fees (official) (checked 17 September 2026)
• Razorpay docs: Payment Links FAQs (official) (checked 17 September 2026)
• Razorpay docs: Set up a Razorpay Account and KYC (official) (checked 17 September 2026)

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