UPI Charges & MDR Calculator

From 15 October 2026, shops in India pay a small fee on UPI payments above ₹2,000. It is called MDR, the Merchant Discount Rate. This calculator shows what a shop is charged on any payment, what actually reaches its account, and the working behind every figure. Customers pay nothing: the fee comes out of what the shop receives.

ONE PAYMENT
• Type the amount and see the fee the shop pays, what it receives and the fee as a share of the payment
• Pick who is being paid: most shops and businesses (0.4%, never more than ₹300); petrol pumps, railways, phone, insurance and utility bills (a flat ₹5); mutual funds and shares (0.02%, also capped at ₹300); or a small shop paid into a personal account (nothing)
• The working is written out, e.g. 3,000 × 0.4 ÷ 100 = 12, and why ₹1,00,000 costs ₹300, not ₹400
• Payments of ₹2,000 or less show no fee, as the rule says
• An optional 18% GST on the fee, clearly marked: NPCI's FAQ does not say whether GST applies

YOUR MONTH
• Enter how many UPI payments you take and roughly how big they are
• See the month's fee and a year at the same pace, each payment charged on its own, the way the rule works

SMALL SHOP CHECK
• Enter what came in by UPI in each of the last three months
• See whether you stayed within ₹1 lakh a month, and what NPCI's FAQ says happens after three months in a row above it

RATES AND QUESTIONS
• The four rates, where the ₹300 ceiling starts (₹75,000; ₹15,00,000 for funds and shares) and the fee at common amounts
• NPCI's own worked examples beside this app's figures: ₹2,000 nil, ₹3,000 ₹12, ₹50,000 ₹200, ₹75,000 ₹300, ₹1,00,000 ₹300
• Plain answers: does the customer pay, is the fee on the whole payment, which payments stay at no fee, credit cards on UPI

A UPI MDR charges checker in English and Hindi. Share any result as text. Works offline, with no account and no sign-in. Light and dark themes.

Source: every rate, limit and date comes from NPCI's "Merchant Discount Rate (MDR) on Select UPI (P2M) Transactions: Frequently Asked Questions", dated 15 September 2026: https://www.npci.org.in/uploads/FA_Qs_Merchant_Discount_Rate_MDR_on_Select_UPI_P2_M_Transactions_58dba1d39e.pdf — later changes are published at https://www.npci.org.in/circulars/upi

Independent and not official: made by ItsMeMomo, not affiliated with or endorsed by NPCI, any bank or any UPI app. This is an information calculator, not financial or tax advice. Confirm the exact fee with your bank or payment provider.

Recent changes:
See what a UPI payment really costs your shop: type the amount and get the fee, what reaches your account and the working, line by line, for the kind of business being paid. Estimate a month of payments, see how your last three months compare with the small-shop limit, and check the rates, in English or Hindi, even without internet.