Rules and sources
Reviewed 2 Oct 2026. Scheduled effective date: 15 Oct 2026. This page does not update automatically.
| Rule | Merchant MDR |
|---|---|
| Bank-account merchant payment up to ₹2,000 | ₹0 |
| Regular P2M above ₹2,000 | 0.4% · max ₹300 |
| Provider-confirmed exempt P2PM | ₹0 |
| Approved essential sector above ₹2,000 | ₹5 |
| Capital-market payment above ₹2,000 | 0.02% · max ₹300 |
Credit-linked UPI follows separate rules. Wallet/PPI and unspecified special categories need provider pricing. This app cannot detect the customer’s funding source or your merchant category.
MDR must not be passed to customers. Your payment QR always uses the bill amount.
Department of Financial Services · official MDR FAQ (Q5, Q29, Q34, Q36) · Ministry of Finance · rate categories · Ministry of Finance · GST applies to fees (18 Apr 2025 clarification)
QR creation does not override bank transaction limits. Fee exemptions and transaction limits are different.