TERMINAL POS // MDR ENGINE 2026
UPI MDR Calculator & Exemption Checker
Instant UPI fee breakdown for merchants — MDR deductions, P2PM exemption check & card fee comparison, under 2026 RBI/NPCI rules.
📋 Forward + Reverse MDR
💳 RuPay CC on UPI
🏦 P2PM Exemption Check
📊 UPI vs Card Compare
LIVE: Oct 2026 • ₹0 MDR ≤ ₹2,000 • 0.4% + GST above
RBI/NPCI Compliant 2026
LIVE RATE ENGINE
BATCH: #8492-MDR
15-OCT-2026
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INCLUDE 18% GST ON MDR
Banking & acquirer processing fee attracts 18% GST in India
AUDIT SLIP
P2PM EXEMPTION RUNWAY
CEILING: ₹1,00,000
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*NPCI Rule: 3 consecutive calendar months above ₹1,00,000 trigger commercial P2M classification.
P2PM CEILING UTILIZATION
60% USED
BENCHMARK SLIP
CARD POS VS UPI QR
INTERCHANGE AUDIT
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point_of_sale
END-OF-DAY (EOD) SETTLEMENT SIMULATOR
Estimate annual retained profit by collecting payments via UPI QR rather than card swiping machines.
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2026 MDR Matrix & Category Code Rules
| MERCHANT CATEGORY | RATE APPLIED | MAX CAP | ON ₹1,500 | ON ₹10,000 | ON ₹1,00,000 |
|---|---|---|---|---|---|
| P2PM Small Merchant ≤ ₹1 Lakh/mo turnover |
0.00% [FREE] | NONE | ₹0.00 | ₹0.00 | ₹0.00 |
| General Retail / E-Commerce Commercial P2M |
0.40% (>₹2,000) | ₹300.00 | ₹0.00 | ₹40.00 | ₹300.00 [CAP] |
| Utilities, Rail, Fuel, Education Low-margin MCCs |
FLAT ₹5.00 (>₹2,000) | ₹5.00 | ₹0.00 | ₹5.00 | ₹5.00 |
| Capital Markets & Broking Mutual funds, equities |
0.02% (>₹2,000) | ₹300.00 | ₹0.00 | ₹2.00 | ₹20.00 |
| Consumer Person-to-Person (P2P) Personal transfers |
0.00% [FREE] | NONE | ₹0.00 | ₹0.00 | ₹0.00 |
| RuPay Credit Card on UPI Govt FAQ Q36 Credit Product |
Up to 2.00% (>₹2,000) | NO ₹300 CAP | ₹0.00 | ₹200.00 | ₹2,000.00 |
help
Frequently Asked Questions
Does MDR apply to transactions made via RuPay Credit Cards linked on UPI or Credit Lines? expand_more
Yes, under separate credit product rules (Official Govt FAQ Q36). Credit-linked UPI payments, such as RuPay Credit Cards linked to UPI or pre-sanctioned bank credit lines, operate under separate credit guidelines because they involve short-term revolving loans funded by issuing banks. For small merchants (turnover ≤ ₹20L or P2PM) and transactions ≤ ₹2,000, zero MDR applies. For commercial transactions exceeding ₹2,000, standard credit card interchange (typically up to 2.0%) applies, and the ₹300 high-ticket cap does not apply.
How does Reverse MDR calculate gross invoice pricing for a target net payout? expand_more
Reverse MDR determines the gross billed amount necessary so that after the acquiring bank's MDR and 18% GST deductions, you receive your exact required target payout in your bank account. The mathematical formula is:
Gross = Net / (1 - (MDR Rate × 1.18)). For example, to realize exactly ₹50,000 net on standard 0.40% UPI, you must bill ₹50,237.12 (₹200.95 MDR + ₹36.17 GST). Important: Under Official Govt FAQ Q34, merchants cannot add an explicit checkout surcharge onto retail UPI consumers; this calculator is built for wholesale price structuring, B2B contract quoting, and unit margin protection.
Will customers pay any extra fee or surcharge for paying via UPI? expand_more
No, absolutely not. Consumers pay zero surcharge or transaction fee when scanning any UPI QR code or making peer-to-peer transfers. The Merchant Discount Rate (MDR) is strictly a business-to-bank acquiring fee deducted from the merchant's payout, identical to how debit/credit card swipe fees operate.
What happens if my shop does more than ₹1 Lakh in a single festive month? expand_more
A single one-off spike (such as Diwali, wedding season, or Eid sales) will not revoke your P2PM zero-MDR status. Under NPCI guidelines, your merchant account only transitions to standard commercial P2M if your collections exceed ₹1,00,000 for three consecutive calendar months in a row.
How does the ₹2,000 exemption threshold work? expand_more
Even for large commercial merchants on the standard tier, any customer payment of ₹2,000 or below carries 0% MDR. MDR only applies on transactions exceeding ₹2,000. For example, a ₹1,800 grocery payment incurs ₹0 MDR, whereas a ₹3,000 payment incurs 0.4% MDR (₹12).
How does the ₹300 maximum cap protect high-ticket sellers? expand_more
At a 0.4% rate, the fee reaches ₹300 on an amount of exactly ₹75,000. For all transactions larger than ₹75,000 (e.g. ₹1,00,000, ₹2,00,000, or ₹5,00,000 for electronics, jewellery, or coaching fees), the MDR remains capped at exactly ₹300. By contrast, a credit card charge of 2% on ₹1,00,000 would cost ₹2,000—making UPI over 85% cheaper.
