> ## Documentation Index
> Fetch the complete documentation index at: https://www.cashfree.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# Pricing
> Find answers to Cashfree pricing questions covering TDR, TDS, Form 16A, billing, invoices, gateway charges, UPI fees, and integration costs.
Answers to common questions on Cashfree pricing, including transaction and tax charges (TDR, TDS, Form 16A), billing and invoices, gateway and UPI charges, and setup or integration costs.
The transaction charges in this topic are accurate as of 10 August 2026. Cashfree's festive offer gives new merchants who sign up on or after 21 July 2026 a 0% platform fee on domestic payment gateway transactions, up to a cumulative Gross Merchandise Value (GMV) of ₹20,00,000. The offer runs through 31 March 2027, or ends earlier once you reach the GMV cap. Charges can change without prior notice, so check the [Cashfree payment gateway charges](https://www.cashfree.com/payment-gateway-charges/) page for the most current rates.
posthog.capture('Accordion Clicked', { title: "What is TDR?" })}>
Transaction Discount Rate (TDR) is the fee that you pay for every transaction processed using a payment gateway. The rates may differ based on the payment mode used by the customer.
For example, when a customer pays via net banking, the TDR will be low, while for international credit card payments the TDR will be higher. We discussed in details, what is TDR and how it is split.
[Read here](https://www.cashfree.com/payment-gateway-charges/).
posthog.capture('Accordion Clicked', { title: "What is TDS?" })}>
TDS (Tax Deducted at Source) is a tax collected by the Government of India at the time income is generated, rather than at a later date. It applies to payments such as commissions, professional fees, interest, and rent.
In the context of Cashfree, TDS may be applicable on the payouts or commissions paid to merchants. The deducted amount is deposited with the government, and a TDS certificate (Form 16A) is issued to the merchant as proof of the deduction.
You can use this certificate to claim credit while filing your income tax returns.
posthog.capture('Accordion Clicked', { title: "How do I submit a TDS claim?" })}>
To submit a TDS claim, follow these steps:
1. Submit this [support form](https://merchant.cashfree.com/merchants/landing?env=prod\&raise_issue=1) using your Cashfree registered email address.
2. Attach the following documents:
- A digitally signed Form 16A
- A cancelled cheque for the bank account where the refund should be credited
3. Cashfree Care will create a support ticket and share the estimated turnaround time (TAT).
4. After processing, Cashfree Care will update the ticket with the UTR (Unique Transaction Reference) and the credited amount.
5. If the details are correct, no further action is required.
6. If you notice a discrepancy, reply to the same ticket. Cashfree Care will coordinate with the Finance team to resolve the issue.
posthog.capture('Accordion Clicked', { title: "What is Form 16A?" })}>
Form 16A is a TDS certificate issued for tax deducted on non-salary payments such as commissions, interest, rent, and professional fees. It contains details of the amount paid, the tax deducted at source (TDS), and the TDS payment deposited with the government.
posthog.capture('Accordion Clicked', { title: "Do you provide billing Invoices for transactions and services used?" })}>
Cashfree raises an invoice for all processed transactions. The invoice appears on your Cashfree [Merchant Dashboard](https://merchant.cashfree.com/auth/login) on or after the 5th of the following month. You receive a notification of the invoice generation on your registered email address.
If your account has availed Free Trial credits for the billing period and you don't have any charges or deductions, or if your account is on the surcharge model, an invoice will not be raised for you, since you have not been directly charged for the transactions.
Please follow the below steps to download the invoice:
1. `Login` to your [Cashfree account](https://merchant.cashfree.com/common/profile/invoice).
2. On the Home page, select the Profile icon in the top-right corner, then select **Profile** from the menu.
3. On the Profile page, select **Invoices**, select the month-year combination from the dropdown, and select **Download**.
4. A new tab will open where your generated invoice(s) will be shown and you can download them
Cashfree India Private Limited comes under the purview of e-Invoicing under GST, and it is mandatory for us to capture all required details of the merchants correctly to generate e-Invoices. Please check the invoice to ensure that your tax details are correct.
If you want to claim Input Tax Credits, we request you to send your latest GST registration details and the GST certificate at the earliest. Please ignore this if you have already registered your information with Cashfree and details are present on the generated invoice.
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posthog.capture('Accordion Clicked', { title: "What charges do I need to pay for using Cashfree products?" })}>
You can check out all Cashfree products and their pricing
[Cashfree's payment gateway charges](https://www.cashfree.com/payment-gateway-charges/). You can also talk
to our payments expert directly and know more about the product and pricing by
submitting this [form](https://www.cashfree.com/contact-sales).
Cashfree doesn't charge a setup fee or an Annual Maintenance Charge (AMC). Payment Links, Payment Forms, and softPOS are included at no additional cost beyond the standard transaction charges for the payment mode used.
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posthog.capture('Accordion Clicked', { title: "What are the transaction charges for each payment mode?" })}>
Cashfree charges a Transaction Discount Rate (TDR) that varies by payment mode. The following table shows the standard rate and the current festive offer rate.
| Payment mode | Standard rate | Festive offer rate\* |
| :- | :- | :- |
| UPI (Intent, Collect, Credit Line, PPI) | 1.95% | 0% |
| UPI (RuPay Credit Card) | 2.15% | 0% |
| Domestic credit and debit cards (Visa, Mastercard, RuPay, Maestro) | 1.95% | 0% |
| Net banking | 1.95% | 0% |
| Digital wallets | 1.95% | 0% |
| Prepaid cards | 1.95% | Not applicable |
\*The festive offer rate applies only to new merchants who sign up on or after 21 July 2026, up to a cumulative domestic transaction volume of ₹20,00,000. Prepaid cards and other excluded payment methods are always charged the standard rate. See "What are the eligibility conditions for the festive 0% offer?" in this topic for the full conditions.
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posthog.capture('Accordion Clicked', { title: "What are the charges for EMI and Pay Later payments?" })}>
Cashfree supports Credit Card EMI, Debit Card EMI, Cardless EMI, and Pay Later at checkout, each with its own charge structure.
| Payment option | Charge |
| :- | :- |
| Credit Card EMI | Starting at 1.90% platform fee, plus 0.25% |
| Debit Card EMI (HDFC Bank) | 1.50% platform fee |
| Cardless EMI | 1.90% platform fee |
| Pay Later | 2.20% |
Credit Card EMI and Debit Card EMI are supported with ICICI Bank, AU Small Finance Bank, Axis Bank, Bank of Baroda, RBL Bank, Standard Chartered Bank, YES Bank, HSBC, American Express, and HDFC Bank. Cardless EMI is supported through CASHe, HDFC Bank, ICICI Bank, IDFC FIRST Bank, TVS Credit, LazyPay, HDB Financial Services, Snapmint, and Simpl Pay. Pay Later is supported through LazyPay and Simpl.
These charges apply regardless of the festive 0% offer. EMI and Pay Later payments are excluded from that offer and are always charged at the standard rate.
For integration details, see [Paylater and Cardless EMIs](/docs/payments/manage/payment-methods/paylaters-and-cardless-emis) and [No Cost EMIs](/docs/payments/checkout/offers/no-cost-emi).
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posthog.capture('Accordion Clicked', { title: "What are the charges for international card payments?" })}>
Cashfree charges the following rates for international card payments, in addition to any applicable Goods and Services Tax (GST).
| Card network | Standard rate |
| :- | :- |
| Visa and Mastercard | 2.99% |
| American Express | 2.95% |
The festive 0% offer doesn't apply to international card payments processed through the International Payment Gateway (IPG). These transactions are always charged at the standard rate.
PayPal transactions are charged at standard payment gateway rates. Cashfree also applies a foreign exchange conversion charge on transactions settled in a currency other than Indian Rupees (INR).
For more information on accepting international payments, see the [International Payment Gateway overview](/docs/payments/international-payments/ipg/overview).
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posthog.capture('Accordion Clicked', { title: "Are there charges for Virtual Bank Accounts?" })}>
Yes. Virtual Bank Accounts used to collect payments through IMPS, NEFT, or RTGS are charged a flat fee starting at ₹20 per transaction.
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posthog.capture('Accordion Clicked', { title: "What are the eligibility conditions for the festive 0% offer?" })}>
Cashfree's festive offer gives eligible new merchants a 0% platform fee on domestic payment gateway transactions, up to a cumulative Gross Merchandise Value (GMV) of ₹20,00,000. The offer is subject to the following conditions.
* Applies only to new merchants who sign up for a Cashfree account on or after 21 July 2026, 12:00 PM IST. Merchants who processed any transaction with Cashfree before that date aren't eligible.
* Is applied automatically once your Know Your Customer (KYC) verification is approved and your account is activated. You don't need a promo code or a first transaction to trigger it.
* Covers domestic payment gateway transactions up to a cumulative GMV of ₹20,00,000. This is a one-time cap, not a recurring monthly allowance.
* Ends when any of the following happens first: you use the full ₹20,00,000 GMV, the festive campaign ends on 31 March 2027, or you're disqualified under the fair usage conditions below. After the offer ends, the standard rate of 1.95% plus applicable taxes applies automatically.
* Doesn't apply to the following payment methods, which are always charged the standard rate: American Express cards, Diners Club cards, corporate credit cards, EMI (credit card, debit card, and cardless), prepaid cards, Pay Later, subscriptions (e-mandate), international card payments through the International Payment Gateway (IPG), and any payment method with a standard Merchant Discount Rate (MDR) of 3% or higher.
* Doesn't waive Goods and Services Tax (GST). GST is charged at 18% (or the prevailing rate) and calculated on the standard 1.95% rate, even on transactions where the platform fee itself is waived.
* Is subject to fair usage: after you complete 5 or more transactions and cross a cumulative GMV of ₹5,00,000, Cashfree reviews the share of your GMV from credit card transactions. If credit card transactions account for 60% or more of your total GMV, Cashfree may withdraw the offer with immediate effect.
* Is limited to one offer per Permanent Account Number (PAN) or bank account. If you register multiple Merchant IDs (MIDs) under the same PAN or bank account, only the first activated MID is eligible.
* Isn't available to merchants referred through partners or resellers.
* Isn't available to merchants in the following Merchant Category Code (MCC) categories: local and suburban passenger transportation, elementary and secondary schools, correspondence schools, and business and secretarial schools.
* Includes a dedicated account manager and T+1 settlement by 8:00 PM IST as the default settlement cycle during the campaign, for GST-registered businesses.
* Can be modified, suspended, withdrawn, or discontinued by Cashfree at any time, with prior notice to your registered email address.
For the complete offer terms, see the [Cashfree payment gateway charges](https://www.cashfree.com/payment-gateway-charges/) page and the [Cashfree Terms of Use](https://www.cashfree.com/tnc/).
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posthog.capture('Accordion Clicked', { title: "Does Cashfree offer enterprise or custom pricing?" })}>
Yes. Cashfree offers custom pricing for enterprise merchants based on transaction volume, industry, and the products you use. Enterprise pricing can include early access to new features, a dedicated account manager, discounted rates, and support over WhatsApp.
Merchants with a dedicated account manager also get fortnightly account check-ins, priority support with a 30-minute response guarantee, and faster dispute resolution.
To discuss custom pricing for your business, submit this [Contact Sales form](https://www.cashfree.com/contact-sales).
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posthog.capture('Accordion Clicked', { title: "What are the charges for Payouts, Cashgram, and Secure ID?" })}>
Cashfree doesn't publish a standard rate card for Payouts, Cashgram, or Secure ID. Pricing for these products is customised based on your transaction volume, use case, and business category.
To get pricing for your business, submit this [Contact Sales form](https://www.cashfree.com/contact-sales/).
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posthog.capture('Accordion Clicked', { title: "Do I need to pay any setup or integration cost?" })}>
Cashfree merchants need not pay any setup fee or integration charges. We offer
a wide range of powerful REST APIs built to help you automate payments and
achieve efficiency. We have also developed ready - to use integrations that
work seamlessly with a range of e-commerce platforms such as Shopify,
Woocommerce etc. You can check out our developers documents and available
[payments integration documentation](/docs/payments/overview).
posthog.capture('Accordion Clicked', { title: "How is the billing done?" })}>
For all the transactions processed, an invoice is raised and shows up on your [Cashfree Merchant Dashboard](https://merchant.cashfree.com/common/profile/invoice) on the 5th of the next month, i.e for the services rendered for the period 1st Jan to 31st Jan, Cashfree raises the invoice by 5th of Feb. The invoice will have the total value of the transactions processed and respective [Transaction Discount Rate(TDR)](/docs/help/account/pricing#what-is-tdr) + GST as applicable.
posthog.capture('Accordion Clicked', { title: "Where can I find the pricing details for gateway charges?" })}>
You can find comprehensive pricing information for all Cashfree payment gateway charges on our dedicated [pricing page](https://www.cashfree.com/payment-gateway-charges/). This page details the transaction discount rates (TDR) for different payment modes and helps you understand the cost structure for processing payments through our gateway.
posthog.capture('Accordion Clicked', { title: "Is the MDR or TDR displayed at checkout?" })}>
No, the Merchant Discount Rate (MDR) or Transaction Discount Rate (TDR) is not displayed to the merchant on the checkout page. However, you can view the charges applied to your transactions on your monthly invoice. The invoice will show the processing fees or charges deducted for each transaction, allowing you to calculate and verify the TDR applied to your payments.
This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.