Official BaselineUPI is 100% surcharge-free for buyers. Kirana stores pay 0% fee under ₹2,000 (PIB PRID 2310586)
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•Audit: 17 September 2026•Ministry of Finance PIB PRID: 2310586

Merchant MDR Calculator

Find out what your business will pay to accept UPI. Calculate monthly acquiring fees, effective rates, and see how the statutory ₹300 cap protects larger transactions.

Retail Smart Soundbox, Countertop QR Standee, and Merchant Settlement Console
Smart Retail Acquiring:Zero MDR on ≤ ₹2,000 • 0.40% Standard • Statutory ₹300 Maximum Cap
Dual CBS T+0 Settlement
₹

Total gross value of UPI transactions processed per month.

Quick Select:

Average Ticket: ₹3,200

Estimated Acquiring Cost Projection
Estimated Monthly MDR
₹3,200.00
₹8,00,000 volume × 0.40% standard rate
Effective MDR Rate
0.4%
Percent of gross turnover
Annualized MDR Estimate
₹38,400
12-month projection
Acquiring Agreement Notice: Results are modeled against official regulatory baseline figures. Confirm final commercial terms, settlement schedules, and acquiring fees directly with your bank or authorized payment aggregator.