About This Free Online UPI MDR Calculator
This UPI MDR Calculator helps Indian merchants, business owners, and consumers quickly calculate processing fees and net settlements. Merchant Discount Rate (MDR) is the commercial fee charged by acquiring banks for handling digital payments. While peer-to-peer and small merchant transactions under ₹2,000 are zero-rated, specific digital instruments like RuPay Credit Cards on UPI and Prepaid Wallets incur small interchange surcharges on larger transactions.
Official NPCI UPI MDR Rates
- Standard Bank UPI: 0.40% processing fee for transactions above ₹2,000 (Capped at ₹300 max MDR + 18% GST).
- RuPay Credit Cards on UPI: Standard 1.50% processing fee (+ 18% GST on MDR).
- Prepaid Wallets (PPI): 1.10% interchange fee for transactions over ₹2,000.
- Utility / Fuel Payments: Flat ₹5 processing fee (+ 18% GST = ₹5.90 total surcharge).
Frequently Asked Questions
How does the UPI MDR Calculator determine charges?
The UPI MDR Calculator checks your payment method and transaction amount against NPCI regulations. Standard UPI payments under ₹2,000 carry 0% MDR, while transactions above ₹2,000 apply the respective rate (0.40% for bank UPI, 1.50% for RuPay CC, or 1.10% for Wallets) plus 18% GST.
Is there any MDR fee for standard UPI transactions under ₹2,000?
No. Standard bank-to-bank UPI transfers up to ₹2,000 are completely exempt from MDR processing charges.
What is the MDR rate for RuPay Credit Cards on UPI?
RuPay Credit Card transactions on UPI carry a standard 1.50% MDR charge plus an additional 18% GST on the MDR fee for transactions over ₹2,000.
What is the maximum fee cap on Standard Bank UPI?
For Standard Bank UPI transactions above ₹2,000, the base MDR fee is capped at ₹300. With 18% GST (₹54) included, the maximum total surcharge is capped at ₹354.