# UPIfree.com
> Payment intelligence and fee transparency for India's UPI ecosystem.
> URL: https://upifree.com
> Baseline regulatory date: 15 September 2026
> Primary source: Ministry of Finance, Government of India, PIB PRID 2310586

## What this site does
UPIfree.com provides source-backed payment calculators, merchant fee modelling, client-side QR tools, and regulatory rule directories for Indian digital payments. Every calculation traces to an official gazette or NPCI circular.

## Interactive tools
- UPI Charge Calculator: https://upifree.com/upi-calculator
  Shows consumer cost (typically zero) and merchant MDR (0.40% above 2,000 rupees, capped at 300 rupees for 75,000+).
- Payment Method Finder: https://upifree.com/payment-method-finder
  Compares UPI, RuPay credit-on-UPI, credit cards, debit cards, net banking, and wallets by cost, speed, and limits.
- Bill reader: https://upifree.com/bill-reader
  Photograph, upload, paste, or drop a bill, invoice, or UPI slip. Sarvam Document Intelligence reads printed fields; OpenAI explains. Copied notes cite UPIfree.com. 10 reads per 15 minutes in production. Do not photograph PIN or OTP.
- Multi-Payer Bill Splitter: https://upifree.com/bill-splitter
  Splits group expenses with per-person UPI QR codes and downloadable PNG settlement cards.
- UPI QR Generator: https://upifree.com/qr-generator
  Creates custom UPI payment QR codes with colour themes, printable 4x6 inch tabletop cards, and WhatsApp/email sharing.
- QR Code Analyzer: https://upifree.com/qr-analyzer
  Photograph, upload, paste, or drop a QR image, or paste a upi://pay string. Decode runs in the browser. Resolves MCC codes and flags fraud patterns. Images never leave the device.
- Merchant MDR Calculator: https://upifree.com/merchant-mdr-calculator
  Models monthly acquiring fees from turnover, average ticket size, and transaction splits across MDR tiers.

## Knowledge directories
- UPI Rules Directory: https://upifree.com/upi-rules
- Payment Guides: https://upifree.com/guides
- If the shop pays MDR, do you still pay?: https://upifree.com/guides/does-shop-mdr-end-up-in-your-price
- Financial Glossary: https://upifree.com/glossary
- FAQ: https://upifree.com/faq
- Search: https://upifree.com/search

## Machine-readable endpoints
- /llms.txt (this file): Plain-text summary for AI agents.
- /llms-full.txt: Full structured rule set, sources, and glossary.
- /api/snapshot: Shareable calculation token (amount and matched rule only).
- /api/bill-reader: Bill/receipt extract + explanation (does not store the file).
- /api/chat: Ask Pikoo streaming replies.

## Regulatory baseline (PIB PRID 2310586)
- Person-to-person: 0% (free, any amount).
- P2M up to 2,000 rupees: 0% (free tier, covers approximately 96% of merchant volume).
- P2M above 2,000 rupees: 0.40% MDR.
- P2M at or above 75,000 rupees: 0.40%, capped at 300 rupees per transaction.
- Essential services above 2,000 rupees: flat 5 rupees.
- Capital markets: 0.02%, capped at 300 rupees.
- Small P2PM QR merchants up to 1 lakh rupees a month: 0%.
- Shop MDR on specified tickets above 2,000 rupees applies from 15 October 2026. Buyer extra remains 0.

## Official sources
- Ministry of Finance PIB PRID 2310586: https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2310586&lang=1&reg=3
- NPCI UPI Circular Repository: https://www.npci.org.in/circulars/upi
- RBI Master Directions: https://www.rbi.org.in

## Policies
- UPIfree is not a bank, payment service provider, or payment gateway.
- Never collects UPI PINs, passwords, OTPs, or card CVVs.
- QR analyser stays in the browser. Bill reader and Ask Pikoo send content to Sarvam and/or OpenAI for that request only.
- Does not provide tools for splitting purchases to circumvent MDR thresholds.
- Ask Pikoo is an on-site chat grounded in this site's published rules. Not a bank helpdesk.