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.
₹
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 rateEffective MDR Rate
0.4%
Percent of gross turnoverAnnualized MDR Estimate
₹38,400
12-month projectionAcquiring 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.
UPI QR vs a card swipe machine
Same monthly sales. One path is a printed QR. The other is a rented POS that takes about 2%.
96% of Indian Retail Pays 0% MDR
UPIfree Standee / Dynamic QR
National Free Rail FrameworkHardware Setup Cost₹0 (Printable Free QR)
Monthly Machine Rental₹0 / month
Under ₹2,000 Everyday Sales0% MDR (100% Free Tier)
High Ticket CapMax ₹300 (Statutory Cap)
Bank Settlement SpeedInstant Real-Time (T+0)
Bank Card POS Terminal
Legacy Swipe / Chip MachineHardware Setup Cost₹5,000 to ₹9,000 deposit
Monthly Machine Rental₹500 to ₹1,200 / month
Transaction MDR Rate1.80% to 2.50% on all tickets
High Ticket CapNone (₹2,500 on ₹1 Lakh!)
Bank Settlement SpeedDelayed T+2 Business Days
Interactive ROI Visualizer
How Much Does Your Store Save Annually with UPI?
Estimated Annual Savings
₹83,400
₹3.0 Lakhs
₹50k/mo₹10 Lakhs₹25 Lakhs/mo
₹1,500
₹100 (Kirana)₹2,000 (Free Tier)₹25k (Retail)
At an average bill of ₹1,500, your transactions qualify for the statutory 0% Kirana free tier!
Card POS costs: ₹83,400/yr • UPI costs: ₹0/yr
Interchange Economics Infographic
Where Does the 0.40% Merchant MDR Go?
Visual breakdown of the back-end acquiring fee paid by commercial establishments above ₹2,000.
Consumer Share: Strictly ₹0.00
Proportional MDR Allocation on a ₹10,000 TransactionTotal MDR: ₹40.00 (0.40%)
Protected by Law
Retail Consumer / Buyer (0.00%)
Take on ₹10,000 Bill₹0.00
Under Ministry of Finance and RBI directives, retail consumers are legally exempt from any convenience fee or surcharge.
Institutional Stakeholder: Everyday Indian Citizen