Payment method finder

Pick a real situation. Compare UPI, cards, and bank transfers on consumer cost, merchant MDR, speed, and dispute cover.

What are you paying for?

Transaction value

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Merchant MDR for UPI is recalculated for this ticket size.

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You pay on UPI

₹0

Merchant MDR on UPI

₹14.00

Matched rule

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

UPI (Unified Payments Interface)

Fastest & Free for Consumers

You pay: ₹0 (this ticket)
Merchant / MDR: ₹14.00 at ₹3,500

Speed: Instant (Real-time 24×7 settlement)

Best for: Daily retail shopping, restaurant dining, peer-to-peer transfers, and utility bills

RuPay Debit Card

Zero MDR Mandate

You pay: ₹0
Merchant / MDR: Zero MDR under Government of India domestic card mandate

Speed: Instant authorization, settlement T+1 or T+2 days

Best for: In-store POS card swipes and government fee payments

Credit Card (Visa, Mastercard, RuPay on UPI)

Rewards & Credit Period

You pay: Free if paid within grace period (30-50 days). Up to 3.5% late interest + GST
Merchant / MDR: 1.20% to 2.00% MDR depending on merchant tier and card tier

Speed: Instant authorization, settlement T+1 or T+2

Best for: High-value purchases, travel bookings, consumer durables, and reward points

Visa / Mastercard Debit Card

International Acceptance

You pay: ₹0 for domestic retail; possible international markup (1.5% - 3.5%)
Merchant / MDR: 0.40% to 0.90% regulated MDR based on merchant turnover category

Speed: Instant authorization, settlement T+1 or T+2 days

Best for: International payments, offline POS terminals, and recurring subscriptions

IMPS / NEFT / RTGS (Bank Transfer)

Direct Inter-Bank Rails

You pay: NEFT/RTGS free online via savings accounts. IMPS ₹2.50 to ₹15 + GST
Merchant / MDR: Direct account credit (no merchant MDR)

Speed: IMPS/RTGS instant; NEFT half-hourly batches 24×7

Best for: Supplier payments, property purchases, and large scheduled transfers

Net Banking (Internet Banking)

High Value Direct Transfer

You pay: ₹0 on most retail portals; some brokers or state portals charge ₹5 - ₹10
Merchant / MDR: Flat ₹5 to ₹15 or 0.5% depending on aggregator tie-up

Speed: Instant account debit, merchant gateway notification immediate

Best for: Large investment deposits, tax payments, and B2B invoices

Method	You pay	Merchant / MDR	Speed	Best for
UPI (Unified Payments Interface) Fastest & Free for Consumers	₹0 (this ticket)	₹14.00 at ₹3,500	Instant (Real-time 24×7 settlement)	Daily retail shopping, restaurant dining, peer-to-peer transfers, and utility bills
RuPay Debit Card Zero MDR Mandate	₹0	Zero MDR under Government of India domestic card mandate	Instant authorization, settlement T+1 or T+2 days	In-store POS card swipes and government fee payments
Credit Card (Visa, Mastercard, RuPay on UPI) Rewards & Credit Period	Free if paid within grace period (30-50 days). Up to 3.5% late interest + GST	1.20% to 2.00% MDR depending on merchant tier and card tier	Instant authorization, settlement T+1 or T+2	High-value purchases, travel bookings, consumer durables, and reward points
Visa / Mastercard Debit Card International Acceptance	₹0 for domestic retail; possible international markup (1.5% - 3.5%)	0.40% to 0.90% regulated MDR based on merchant turnover category	Instant authorization, settlement T+1 or T+2 days	International payments, offline POS terminals, and recurring subscriptions
IMPS / NEFT / RTGS (Bank Transfer) Direct Inter-Bank Rails	NEFT/RTGS free online via savings accounts. IMPS ₹2.50 to ₹15 + GST	Direct account credit (no merchant MDR)	IMPS/RTGS instant; NEFT half-hourly batches 24×7	Supplier payments, property purchases, and large scheduled transfers
Net Banking (Internet Banking) High Value Direct Transfer	₹0 on most retail portals; some brokers or state portals charge ₹5 - ₹10	Flat ₹5 to ₹15 or 0.5% depending on aggregator tie-up	Instant account debit, merchant gateway notification immediate	Large investment deposits, tax payments, and B2B invoices

Objective evaluation: UPIfree does not accept commissions or paid placement. Comparisons follow RBI Master Directions and NPCI operating rules. Confirm final terms with your bank.