{"id":3048,"date":"2025-05-26T13:51:33","date_gmt":"2025-05-26T05:51:33","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3048"},"modified":"2025-05-26T13:51:33","modified_gmt":"2025-05-26T05:51:33","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%b4%b9%e7%94%a8%e5%92%8c%e7%bb%93%e7%ae%97%e5%91%a8%e6%9c%9f%e8%af%b4%e6%98%8e","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/26\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%b4%b9%e7%94%a8%e5%92%8c%e7%bb%93%e7%ae%97%e5%91%a8%e6%9c%9f%e8%af%b4%e6%98%8e\/","title":{"rendered":"Description of payment system fees and settlement cycles in India"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts153.mm.bing.net\/th?q=paytm152\" alt=\"Description of payment system fees and settlement cycles in India\" title=\"Description of payment system fees and settlement cycles in India\"><\/p>\n<p>Below is a description of the fee structure and settlement cycle of the major payment systems in India, applicable to both merchants and users:<\/p>\n<h3>I. Unified Payment Interface (UPI)<\/h3>\n<ol>\n<li>\n<p><strong>Cost structure<\/strong>::<\/p>\n<ul>\n<li>Individual users: free of charge<\/li>\n<li>Merchant Transactions: Usually charged a transaction fee of 0.3%-1% (minimum \u20b92)<\/li>\n<li>P2P transfers: fees may be charged for transfers over \u20b92,000<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>settlement cycle<\/strong>::<\/p>\n<ul>\n<li>T+1 working days (most banks)<br \/>\n-Some banks support real-time settlement (additional fee required)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. Immediate payment services (IMPS)<\/h3>\n<ol>\n<li>\n<p><strong>cost<\/strong>::<\/p>\n<ul>\n<li>\u20b95-15\/stroke (segmented charges based on amount)<\/li>\n<li>\u2264 \u20b91000: usually free or \u20b95<\/li>\n<\/ul>\n<blockquote>\n<p>Rs. 10 lakhs deal about \u20b925<\/p>\n<\/blockquote>\n<\/li>\n<li>\n<p><strong>close an account<\/strong>::<br \/>\nReal-time payment (7 x 24 hours)<\/p>\n<\/li>\n<\/ol>\n<h3>III. National Electronic Funds Transfer (NEFT)<\/h3>\n<ol>\n<li>\n<p><strong>cost<\/strong>::<br \/>\nBusiness account.<br \/>\n| Amount Range | Fees |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| \u226410,000 | \u20b92 + GST |<br \/>\n| &gt;100,000 | \u20b925 + GST |<\/p>\n<\/li>\n<li>\n<p><strong>settlement cycle<\/strong>::<br \/>\nHourly batch processing, T+30 minutes at the latest<\/p>\n<\/li>\n<\/ol>\n<h3>IV. Debit\/credit card payments<\/h3>\n<ul>\n<li><strong>MDR rates<\/strong> (Merchant deduction rate).<\/li>\n<\/ul>\n<pre><code class=\"language-mermaid\">pie title MDR rate distribution (2023)<br>\r\n\"Offline Debit Card\": \"0.4%\"<br>\r\n\"Online Debit Card\": \"0.9%\"<br>\r\n\"credit card\": \"1.8-3%\"<br>\r\n<\/code><\/pre>\n<p>Special industry surcharges up to 4%<\/p>\n<p>V. Wallet-type services (Paytm\/PhonePe etc.)<br \/>\n-Recharge.<br \/>\n- UPI transfers are free<br \/>\n-Bank card top-up collection 1-3%<br \/>\n-Withdrawal.<br \/>\n-Fixed fee per transaction (e.g. Paytm charges 4%)<\/p>\n<p>Recommendation.<br \/>\n-UPI for small amounts of HF<br \/>\n-RTGS recommended for large folios (\u2265 Rs. 20 lakhs only \u20b955)<br \/>\n-Cross-border collections consider PNB's BBPS system<\/p>\n<p>Note: GST rates are 18% and may be adjusted due to bank\/RBI policies.<\/p>\n<p>Below is a detailed description of other key mechanisms of the Indian payment system, along with practical suggestions for optimising transaction costs:<\/p>\n<hr>\n<h3><strong>V. Supplementary rules for prepaid payment instruments (PPI\/Wallets)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Advanced cost structure<\/strong>::<\/p>\n<ul>\n<li><em>Cross-border top-ups<\/em>: Additional charge of 2.5%+GST (e.g. Paytm Cross Border Commerce Solution)<\/li>\n<li><em>merchant settlement<\/em>: Fee-free withdrawals during T+3 cycle, after that \u20b95-20 per withdrawal<\/li>\n<li><em>Failure management<\/em>: \u20b9250 per month deducted from inactive accounts for 12 months until balance is cleared<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Innovative Features Surcharge<\/strong>::<\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-mermaid\">flowchart LR<br>\r\n    A[Wallet Balance] --&gt; |Sweep Payment| B(0% Handling Fee)<br>\r\n    A --&gt; |transfer bank| C(1% min \u20b910)<br>\r\n    A --&gt; |Buy Gold\/Funds| D(0.5-1.2% platform fee)<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>VI. Emerging payment modalities<\/strong><\/h3>\n<h4>6.1 Automatic recurring payments (eMandate)<\/h4>\n<ul>\n<li><strong>typical scenario<\/strong>: SaaS subscriptions\/insurance premiums<\/li>\n<li><strong>cost model<\/strong>::\n<ul>\n<li>Registration fee: \u20b910-50\/authorisation<\/li>\n<li>Execution fee: 0.3% per transaction (40bps lower than regular card transactions)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4>6.2 Bharat BillPay (BBPS)<\/h4>\n<pre><code class=\"language-mermaid\">pie title BBPS tiered rates <br>\r\n\"Utility Bill\" : \"0.25%\" <br>\r\n\"Education contribution\" : \"0.65%\" <br>\r\n\"DTH top-up\" : \"1% cap \u20b915\"<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>VII. Special mechanism for cross-border settlement<\/strong><\/h3>\n<h4>7.1 Inward Remittance Compliance Requirements:<\/h4>\n<ul>\n<li><em>Minimum Documentation<\/em>: KYC+ Purpose Code<\/li>\n<li><em>tiered fee structure<\/em>::<\/li>\n<\/ul>\n<pre><code>Amount Range | SWIFT Fee | GST Processing Fee  <br>\r\n----------- | --------------- | ----------<br>\r\n&lt; Rs. 500,000 | \u20b9750 + middle bank deduction | \u20b9118   <br>\r\n&gt;Rs 2 lakh | \u20b91500 onwards | \u20b9354+<br>\r\n<\/code><\/pre>\n<h4>7.2 Export Collection Acceleration Programme:<\/h4>\n<p>Through PNB's EPC portal it is possible to.<\/p>\n<pre><code class=\"language-diff\">+ T+3 settlement guarantee  <br>\r\n! A copy of the commercial invoice is required  <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>VIII. Dispute resolution cost matrix<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>UPI<\/th>\n<th>credit cards<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>withholding period<\/td>\n<td>72 hours 120 days<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Costs of arbitration<\/td>\n<td>- $15 each<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Risk Warning<\/strong>: 3-5% margin required for credit card transactions to cover potential declines<\/p>\n<hr>\n<h3><strong>IX. Rate optimisation strategy for 2024<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <em>hybrid routing technology<\/em> : Intelligent triage of \u2265 Rs. 5000 transactions to low-cost channels (e.g. IMPS instead of UPI saves 30bps)<\/p>\n<p>2\ufe0f\u20e3 <em>Comparison table of advantages of direct connection of clearing houses<\/em>::<\/p>\n<table>\n<thead>\n<tr>\n<th>NPCI Direct Member<\/th>\n<th>Third Party Aggregator<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Access cost 1 million deposit \u20b950k+ per month rent<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Failure rate &lt;0.% ~%<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Merchants with a monthly turnover of over $2 million are advised to apply for NPCI Direct Membership.<\/p>\n<p>Industry-specific customised solutions are required (e.g. e-commerce vs ed-tech), with more detailed sandbox data available.<\/p>","protected":false},"excerpt":{"rendered":"<p>Below is a description of the fee structure and 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