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.
₹
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.
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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% = ₹14.00Applicable Rate / Cap:0.40% (Cap: ₹300)
Effective Date:2026-09-15
Authoritative Source:Ministry of Finance, Government of India: PIB PRID: 2310586
Verify at official PIBSnapshot URLs preserve the historical rule basis