UPI Merchant Fee Calculator
Estimate UPI payment fees for one bill or your monthly bill mix.
For bank-account UPI · No signup · Calculated in your browser
Estimated merchant fee
Your estimate will appear here.
Check the amount and your provider-confirmed category to continue.
- Bill value
- MDR rate
- GST on fee (18% scenario)
- Total modelled cost
- Estimated after fees
Annual cost
Assumes the same bill mix every month for twelve months.
An estimate, not a settlement statement. Other provider charges and deduction timing may differ.
Share estimate on WhatsAppCreate a UPI QR for your bill amount
Enter the final bill and show a QR with the amount pre-filled. Check receipt on your existing soundbox or business app.
The assumptions behind your estimate
Reviewed 3 October 2026. The announced framework takes effect on 15 October 2026. Recheck your provider's implementation before relying on an estimate.
| Payment / provider category | Modelled MDR |
|---|---|
| Payment up to ₹2,000 | ₹0 |
| Regular P2M above ₹2,000 | 0.4%, capped at ₹300 per payment |
| Provider-confirmed exempt P2PM | ₹0 |
| Approved ₹5 sector, above ₹2,000 | Flat ₹5 per payment |
| Capital markets, above ₹2,000 | 0.02%, capped at ₹300 per payment |
Special-sector treatment depends on your provider's mapping. Before 15 October, this model applies no new bank-account UPI MDR. It does not estimate other provider charges.
Sources: DFS FAQ, 15 September 2026 · Ministry of Finance announcement
Questions before you calculate
Is this my exact bank deduction?
No. This is a model of merchant MDR for bank-account UPI. Your provider determines your category, tax, other charges and settlement timing. Check your contract and invoice.
Can I add MDR to the customer's UPI bill?
The Ministry of Finance says MDR is a merchant-side charge and banks have been advised to ensure merchants do not pass it to customers. This calculator does not add a customer surcharge.
Why enter several bill amounts for a monthly estimate?
The threshold and fee cap apply to each payment. An average bill or a monthly sales total can hide that difference. Enter each bill amount and how often it occurs; the annual estimate repeats that same monthly mix twelve times.
Does GST always apply to MDR?
This calculator offers 18% GST on the fee as an optional scenario, switched off by default. Confirm applicable tax on your provider invoice. It is not GST on the customer's full bill, and input tax credit is not modelled.