UPI Charge Calculator
Type the bill. You will see two numbers: what you pay extra (almost always ₹0) and what the shop’s bank may take.
You, the buyer
₹0 extra
UPI does not add a surcharge on your side. You pay the bill amount, then PIN.
The shop
May pay MDR
The shop’s bank can take a small fee from the shop, not from you. Under ₹2,000 that fee is usually ₹0.
High bills
₹300 max
From ₹75,000 upward the shop’s UPI fee stops at ₹300, even on a lakh-plus ticket.
Under ₹2,000 at a shop, both sides are usually ₹0. Above that the shop may pay 0.40%, up to ₹300.
₹0. You pay only the bill amount. Banks and merchants cannot add a checkout surcharge to your account.
Zero MDR for transactions up to ₹2,000
Amount is ₹2,000 or less: 100% free under government rules (₹0 MDR)Merchant settlement
Person to merchantThe ₹300 Statutory Cap: High-Ticket Protection
See how the statutory ceiling prevents percentage exploitation on jewellery, electronics, and college tuition.
Even on a ₹1,50,000 transaction, the merchant acquirer fee stops dead at the regulatory ₹300 ceiling.
Card networks continue charging percentage fees linearly, costing merchants thousands on high-ticket sales.
What happens after you tap Pay
Four beats, about a second. PIN on the phone, then banks, then the soundbox.
You enter PIN on your phone
The PIN is locked inside the phone. It is not typed into this website, and it is not sent as plain text.