Official BaselineUPI is 100% surcharge-free for buyers. Kirana stores pay 0% fee under ₹2,000 (PIB PRID 2310586)
Quick ToolsFee CalculatorMethod FinderBill SplitterQR StandeeQR SafetyMerchant MDR
Active Baseline
•Audit: 17 September 2026•Ministry of Finance PIB PRID: 2310586

About UPIfree.com

India's trusted, source-backed payment intelligence destination.

Our Mission

“What is the safest, simplest, and lowest-cost legitimate way for me to make or receive this payment?”

UPIfree was founded to eliminate ambiguity in Indian digital payment costs. While digital payments process billions of transactions monthly, users and merchants are frequently confused about Merchant Discount Rates (MDR), regulatory exemptions, and transaction thresholds.

Our Core Principles

Source-Backed Grounding

Every calculation and rule maps directly to an official source document (Ministry of Finance PIB releases, NPCI circulars, RBI Master Directions).

Zero Circumvention

We never provide tools to evade taxes, slice single transactions, or defeat legitimate acquiring rules. Bill splitting is strictly for genuine shared obligations.

Independent Financial Utility

UPIfree.com is an independent educational and analytical platform. We are not a bank, payment service provider (PSP), payment aggregator, or financial institution. We do not process transactions or collect payment credentials.