UPI Charge Calculator

Will you be charged for your next UPI payment? Check your consumer fee, see what MDR the shopkeeper handles, and verify the official government rule.

Live Mathematical Modeling:Evaluates 100% Zero-Consumer-Fee Guarantee & 0.40% Merchant Cap

PIB PRID 2310586 Verified

1. Transaction Amount

₹

Transactions up to ₹2,000 are completely free for everyone. Above ₹2,000 at shops, a 0.4% MDR applies to the seller, capped at ₹300.

Quick Select:

2. Payment Type & Context

3. Merchant Sector / Category

Verified Calculation Result

What You Pay

₹0

₹0. You pay only the bill amount. Banks and merchants cannot add a checkout surcharge to your account.

Shopkeeper MDR

₹14.00

0.40% MDR with maximum ₹300 cap for transactions of ₹75,000 and above

Matched Rule:Standard Merchant Payments Above ₹2,000: 0.4% MDR (Capped at ₹300)

Mathematical Formula:₹3,500 × 0.40% = ₹14.00

Applicable Rate / Cap:0.40% (Cap: ₹300)

Effective Date:2026-09-15

Authoritative Source:Ministry of Finance, Government of India: PIB PRID: 2310586

Snapshot URLs preserve the historical rule basis