Transparent Billing

Simple, Transparent Pricing

No hidden charges. No subscription lock-in. Pay only when you use the service. All fees include GST and are shown upfront before you confirm.

Credit Card Settlement Fees

Slow Transfer

Settlement within 2 business days

1.2%+ GST

NEFT batch settlement
Full tax receipt included
Real-time status tracking
AML/KYC verified transfer

Select Slow

Popular

Lazy Transfer

Settlement on next business day

1.5%+ GST

NEFT priority settlement
Full tax receipt included
Real-time status tracking
AML/KYC verified transfer

Select Lazy

Quick Transfer

Settlement within 3 hours

1.8%+ GST

IMPS instant settlement
Full tax receipt included
Real-time status tracking
AML/KYC verified transfer

Select Quick

Premium / Corporate Card Surcharge: Visa or Mastercard Premium, Commercial, or Corporate credit cards incur an additional surcharge of +1.0% on top of the selected speed tier fee. This surcharge is due to higher interchange fees charged by card networks for these card categories.

Fee Breakdown & GST Details

All processing fees displayed on PayCred are exclusive of GST at the point of display. Before confirming payment, the final checkout screen shows the complete breakdown including GST. Here's how the total fee is calculated:

Example: ₹25,000 fee via Lazy Transfer (1.5%)

Base Convenience Fee (1.5%)₹375.00

GST @ 18% on Fee₹67.50

Total Fee Charged₹442.50

Total Debit on Card₹25,442.50

Amount Settled to Beneficiary₹25,000.00

A GST-compliant tax invoice is generated for every transaction and is available for download from your profile dashboard.

Fintech SaaS Add-Ons

Professional payer-beneficiary tools to complement your payment experience. These are optional paid services.

Payer Screening

Credit history, identity validation, and AML pre-screening.

₹249 / report

e-Fee Agreements

Legally binding payment agreements with e-stamp and Aadhaar OTP signatures.

₹499 / agreement

Fee EMI Financing

Convert tuition fees into 3, 6, or 9-month interest-free credit terms.

Instant Processing

Automated Tax Receipts

Tax-compliant receipts with beneficiary signatures, PAN verification, and QR codes.

₹19 / bundle

Billing & Pricing FAQ

When am I charged?

Your credit card is charged immediately upon confirming the payment. The total charge includes the transfer amount plus the convenience fee (inclusive of 18% GST). There is no pre-authorization hold — the charge is final.

Are there any hidden charges?

No. The exact fee amount is displayed on the checkout screen before you confirm. What you see is what you pay. There are no setup fees, monthly fees, or minimum usage requirements.

Is the processing fee refundable?

If a settlement fails due to invalid beneficiary details or a compliance block, the entire billed amount including the processing fee is reversed to your credit card. See our Refund Policy for details.

Do you offer subscription or recurring billing?

Currently, PayCred operates on a pay-per-use model. Auto-Pay (recurring fee payments) is in development and will use authorized RBI e-mandate (UPI Autopay / e-NACH) for recurring billing when launched.

How do I get a GST invoice?

GST-compliant invoices are auto-generated for the convenience fee component of every transaction. You can download them from your profile dashboard under the transaction history section.

PCI-DSS Compliant PA-Compliant Gateway 256-Bit SSL

Ready to pay your fee or education fees?

Start a Payment