How much does PayHere charge per transaction?

On the free Lite plan, PayHere charges 3.30% of the payment for a local Visa or Mastercard. So a Rs 5,000 sale costs Rs 165 in fees. The Plus plan drops this to 2.99% for a Rs 3,990/month subscription, and Premium to 2.69% for Rs 9,990/month. HelaPay, PayHere's local wallet, is a flat 1.99% on every plan.

Which is the cheapest payment gateway in Sri Lanka?

It depends on your volume. For low volume, PayHere Lite (3.30%, no monthly fee) or WebXPay X-Wallet (an indicative 2.5%) usually win. At high volume the lower per-transaction rate of a paid plan offsets its subscription. Enter your amount and monthly volume above and the tool highlights the cheapest total-cost option for you.

Does PayHere have a monthly fee?

The Lite plan has no monthly fee — you only pay the 3.30% per-transaction rate. The Plus plan is Rs 3,990/month for a 2.99% rate, and Premium is Rs 9,990/month for 2.69%. A paid plan only saves money once your volume is high enough that the lower rate covers the subscription.

What is HelaPay and is it cheaper than card payments?

HelaPay is PayHere's local wallet rail. It charges a flat 1.99%, well below the 3.30% local-card rate, so it is cheaper for the merchant — but only customers who use HelaPay pay through it. On a Rs 5,000 sale HelaPay costs Rs 99.50 versus Rs 165 on a local card, a saving of Rs 65.50.

How long does PayHere take to settle money to my bank?

PayHere settles to your bank account within roughly 3–5 working days of a payment. WebXPay advertises next-working-day (T+1) settlement. Onepay's window varies by agreement — confirm it with the provider. Settlement speed is separate from the processing fee and does not change how much you are charged.

Do these fees include VAT or SSCL?

No. This tool shows the published processing fee only. A provider may add government levies such as VAT or SSCL on top, and each invoices these differently, so an exact combined figure is not publicly deterministic. Treat the fee shown as the processing charge before any applicable government tax.

Are the WebXPay and Onepay rates official?

No. Only PayHere publishes a fixed public rate card, so its figures are treated as canonical. WebXPay and Onepay negotiate rates by merchant and do not publish a full schedule, so their numbers here are indicative — drawn from their sites and 2026 comparison guides — and are flagged as such. Always confirm the exact rate with those providers before signing up.

How is the effective rate for foreign cards calculated?

For PayHere, a foreign-currency card adds 1.0% on top of your plan rate, and premium brands (Amex, Diners, Discover) add 0.5%. So a foreign card on the Lite plan is 3.30% + 1.0% = 4.30%. A Colombo freelancer invoicing a Rs 100,000 foreign payment on Lite pays Rs 4,300 in fees and should factor that into the invoice.

Sri Lanka · Finance

Sri Lanka Payment Gateway Fee Calculator

Enter a sale amount and monthly volume to see exactly what you keep after PayHere, WebXPay and Onepay fees — the per-transaction charge, your net payout, and which plan is cheapest overall. No signup, no ads, sources cited below.

By Induwara Ashinsana— Executive Director, Ryzera TechnologiesUpdated Jul 10, 2026

Compare gateway feesPayHere · WebXPay · Onepay

Rates verified · 2026-07-10

Transaction amount (Rs)

One sale you want to price. Max Rs 10,000,000.

Payment method

A card issued by a Sri Lankan bank, charged in LKR.

Monthly volume (Rs)

Total you process per month — sets the subscription break-even.

Highlight gateway

Pick one to pin its numbers, or compare all and let the tool find the cheapest.

Quick amounts

Cheapest: WebXPay X-Wallet≈ Rs 7,583 total fees / month at your volume

ShowingWebXPay X-Walletindicative rate

Fee per transaction

Rs 125.00

Net payout

Rs 4,875.00

Effective rate

2.5%

Est. monthly fees

Rs 7,583

At your monthly volume

Side-by-side comparison

Gateway	Eff. rate	Fee / txn	Monthly sub	Est. monthly cost	Settlement
WebXPay X-WalletCheapest	2.5%	Rs 125.00	Rs 83/mo	Rs 7,583	T+1 (next working day)
PayHere Lite	3.3%	Rs 165.00	Free	Rs 9,900	3–5 working days
Onepay	3.5%	Rs 175.00	Free	Rs 10,500	Confirm with provider
WebXPay X-Gateway	2.8%	Rs 140.00	Rs 2,490/mo	Rs 10,890	T+1 (next working day)
PayHere Plus	2.99%	Rs 149.50	Rs 3,990/mo	Rs 12,960	3–5 working days
PayHere Premium	2.69%	Rs 134.50	Rs 9,990/mo	Rs 18,060	3–5 working days

“Est. monthly cost” = your monthly volume × effective rate + the plan's fixed monthly fee. WebXPay X-Wallet's Rs 1,000/year is spread as Rs 83/month. Onepay's variable monthly plan fee and Rs 1,500 setup are not included.

When does PayHere Plus beat the free Lite plan?

On local-card volume, Plus (2.99% + Rs 3,990/mo) becomes cheaper than Lite (3.30%, no monthly) once you process about Rs 1,287,097 per month. Below that, stay on Lite.

Sources cited: PayHere fee schedule (canonical), WebXPay & Onepay published rates (indicative). Last verified 2026-07-10. Processing fee only — excludes any government levy.

How it works

Every online payment gateway keeps a percentage of each sale as a processing fee, and some charge a fixed monthly subscription on top. This calculator models both parts using the providers' published rate cards, so you can see your true take-home before you pick a gateway or price a product.

The core arithmetic is deliberately simple and deterministic:

Effective rate.Start from the plan's base rate for a local card, then apply the method add-on. For PayHere: a premium card (Amex/Diners/Discover) adds 0.5%, and a foreign-currency card adds 1.0%. HelaPay, PayHere's local wallet, replaces the plan rate with a flat 1.99%.
Per-transaction fee. fee = amount × effective rate, and your net payout is amount − fee.
Estimated monthly cost. cost = volume × rate + monthly fee. The percentage part equals volume × rate no matter how many transactions make it up. WebXPay X-Wallet's Rs 1,000/year annual fee is spread as Rs 83/month.
Break-even between plans. To find where a cheaper-% paid plan overtakes a free plan, solve V × r₁ + M₁ = V × r₂ + M₂ for the volume: V* = (M₁ − M₂) / (r₂ − r₁). Above V* the lower-percentage plan wins; below it, the free plan does.

PayHere is the primary, canonical source here: it publishes a fixed public fee schedule, so its figures are exact — Lite 3.30% (no monthly fee), Plus 2.99% (Rs 3,990/month) and Premium 2.69% (Rs 9,990/month), with HelaPay at 1.99% on every plan. WebXPay and Onepay do not publish a full public rate card and negotiate by merchant, so their figures are shown as indicative and flagged in the tool — confirm them with the provider. Government levies such as VAT and SSCL that a provider may add on top of the processing fee are out of scope, because each invoices them differently and an exact combined figure is not publicly deterministic. Rates were last verified on 2026-07-10.

Worked examples

Rs 5,000 local card sale — Lite vs HelaPay

PayHere Lite local card: rate = 3.30%
Fee = 5,000 × 0.033 = Rs 165.00
Net payout = 5,000 − 165 = Rs 4,835.00
Same sale via HelaPay (1.99%): fee = 5,000 × 0.0199 = Rs 99.50
Net via HelaPay = Rs 4,900.50 — Rs 65.50 cheaper

Rs 100,000 foreign-currency payment — freelancer on Lite

Foreign card add-on: 3.30% + 1.0% = 4.30%
Fee = 100,000 × 0.043 = Rs 4,300.00
Net payout = 100,000 − 4,300 = Rs 95,700.00
To net a clean Rs 100,000, invoice ≈ Rs 104,300

Lite vs Plus break-even — does the subscription pay off?

Lite = 3.30%, Rs 0/mo · Plus = 2.99%, Rs 3,990/mo
Break-even V* = 3,990 / (0.0330 − 0.0299)
V* = 3,990 / 0.0031 = Rs 1,287,097 / month
At Rs 1,500,000/mo: Lite = 1,500,000 × 0.033 = Rs 49,500
Plus = 1,500,000 × 0.0299 + 3,990 = Rs 48,840 → Plus wins by Rs 660
Below ~Rs 1.29M/mo, the free Lite plan is cheaper

Frequently asked questions

Sources & references

PayHere figures are canonical and taken from the provider's published schedule. WebXPay and Onepay do not publish a fixed public rate card, so their figures are indicative and cross-referenced with 2026 provider-comparison guides; confirm the exact rate with each provider. Rates were last verified on 2026-07-10 and are reviewed whenever a provider updates its published pricing.

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Comments & feedback

Spotted a bug or want an improvement? Tell us — our team reviews every comment, and good ideas get built. Comments are public and anonymous.

Spotted a rate change, a bug, or an edge case?

Email me at [email protected] — most fixes ship within 24 hours.