₹0
Individual UPI fee
No UPI transaction fee under the published framework.
UPI Fee & MDR Calculator
Check what you pay, the merchant fee, and the amount received. Compare bank-account UPI and RuPay credit-card UPI.
UPI merchant MDR rollout postponed. Reports dated 13 October say implementation will be after Diwali; the exact date is not yet announced. Bank-account UPI remains zero MDR for now.Latest update and sources
Payment breakdown
Retail Store · ₹10,000.00
Individual
- Amount you pay
- ₹10,000.00
- Merchant fee + GST
- ₹0.00
- Merchant receives
- ₹10,000.00
Your UPI transaction fee: ₹0.00
₹10,000.00 payment to Retail Store
| Line item | Individual | Merchant |
|---|---|---|
| Payment amount | ₹10,000.00 | ₹10,000.00 |
| UPI fee | ₹0.00 | - |
| MDR | - | ₹0.00 |
| GST on MDR | - | ₹0.00 |
| Total UPI-related cost | ₹0.00 | ₹0.00 |
| Amount after fees | - | ₹10,000.00 |
What if I split this payment?
Total bill
₹10,000.00
Each payment₹2,000.00
One payment
Merchant MDR₹0.00
GST₹0.00
Total processing cost₹0.00
All 5 payments
Total MDR₹0.00
Total GST₹0.00
Total processing cost₹0.00
Informational only. This does not recommend splitting payments or claim it can avoid limits or fees.
Who gets these charges?
MDR: payment-processing charge distributed within the applicable payment ecosystem according to governing arrangements.
GST: tax on the taxable payment-processing service where applicable.
Individual UPI fee: shown from the verified framework for the selected payment method. This calculator does not claim the Government receives MDR or that NPCI receives the entire MDR.
Bank-account MDR rollout: postponed; new date awaited.
Last verified: 13 Oct 2026
Sources and technical detailsAnnounced merchant rates: preview only
Postponed; bank-account UPI remains zero MDR for now.
0.40%
Standard merchants
Applied above ₹2,000, capped at ₹300 before GST.
₹5
Selected flat-fee sectors
Fuel, utilities, insurance, railways, tolls, and other listed categories.
0.02%
Capital markets
Brokers, mutual funds, and investment transactions above ₹2,000.
New to MDR? Read the plain-language UPI charges guide for who pays, thresholds, GST, and worked examples. Paying from a credit card? See how RuPay credit card UPI charges differ.
How the UPI MDR calculator works
For standard bank-account merchant payments above ₹2,000, the announced MDR is the lower of 0.40% of the payment or ₹300. GST is 18% of the MDR, not the payment amount. Selected sectors and eligible small merchants follow different rules. RuPay credit-card UPI uses the provider rate you enter.
Understand UPI charges and exemptionsFast answers
FAQ
Who pays UPI MDR?
Individuals pay ₹0 in the supported official rules. MDR is a merchant-side processing cost. Banks have been advised to ensure merchants do not pass it to individuals.
Is MDR a government tax?
No. MDR is payment-processing pricing. GST may apply to the processing fee, but MDR itself is not collected by the Government or NPCI.
Why does 0.40% become 0.472% in some examples?
That includes GST on MDR: 0.40% x 1.18 = 0.472% before caps. The calculator shows MDR and GST separately so the math stays auditable.
What is UPI MDR?
MDR means merchant discount rate: the fee charged on eligible merchant payments. In this framework, standard listed P2M payments above ₹2,000 use 0.40%, capped at ₹300 before GST.
Does this estimate exact settlement?
No. It shows the public rule calculation. Private acquirer contracts, refunds, disputes, tax treatment, and input-tax-credit position can change a merchant's real economics.
Which payments stay free here?
Peer-to-peer UPI, eligible small merchant/P2PM payments, and UPI AutoPay mandates are shown as free in this calculator where the public rules support that treatment.
Sanity checks
Announced-rate examples (not current charges)
Standard merchant at threshold
₹2,000.00
₹0.00
Standard merchant example
₹50,000.00
₹236.00
Standard merchant at cap
₹1,00,000.00
₹354.00
Flat-fee sector example
₹5,000.00
₹5.90
Capital markets example
₹50,000.00
₹11.80
Person-to-person UPI
₹50,000.00
₹0.00