Kostenloses Business-Tool
UPI-Gebührenrechner
Keine Steuer: ein Merchant Discount auf bestimmte P2M-Zahlungen über ₹2.000.
This is not a government tax. From 15 October 2026, banks may levy a Merchant Discount Rate on some person-to-merchant UPI payments above ₹2,000. P2P stays free. Customers cannot be charged.
Merchant type
Estimated monthly MDR
₹480.00
24 bills above ₹2,000 · yearly ₹5,760.00
Worked numbers (standard P2M)
- ₹1,500 kirana scan — ₹0
- ₹3,000 — ₹12 MDR (press example)
- ₹50,000 — ₹200
- ₹75,000 and above — ₹300 cap (so ₹1,00,000 is still ₹300, not ₹400)
- Petrol / rail / telecom / insurance / agri above ₹2,000 — flat ₹5
Source: Finance Ministry / PIB 15 Sep 2026. Banks must not pass MDR to the customer. App providers cannot add a platform fee on UPI.
Read the full explainer →Anleitung
- Monatliches UPI-Volumen oder einen Betrag eingeben
- Händler, essenziell oder P2P wählen
- Kleinunternehmer-Befreiung ankreuzen
Häufige Fragen
Ist das eine Steuer?
Nein. MDR wird weder von der Regierung noch von NPCI erhoben.
Wer bleibt gebührenfrei?
P2P, Zahlungen bis ₹2.000 und QR-Händler bis ₹1 Lakh im Monat.
Verwandte Tools
Ergänzende Tools für Ihren Geschäftsalltag.
UPI error code resolver
NPCI returned error? Look up U16, Z9, ZM and 40+ sourced codes.
Indian bank UPI limits
Daily caps for 30+ banks, last-reviewed with NPCI-facing sources.
UPI QR validator & decoder
Safety-check the VPA, amount, and tamper clues before you trust or reprint.
UPI vs gateway savings
Compare gateway MDR with direct UPI after the October schedule.
Passende Ratgeber
Praktische Tipps und Schritt-für-Schritt-Anleitungen.
UPI MDR from 15 Oct 2026: What Merchants Actually Pay
Headlines said UPI tax. From 15 Oct 2026 merchants pay 0.4% MDR on some P2M payments above ₹2,000. P2P and small QR shops stay free. Rates, GST, and a calculator.
Extract UPI ID From a QR Code Online
Upload a UPI QR to extract the VPA, payee name, and amount in your browser. Decode PhonePe, GPay, Paytm, or BHIM codes without sending the image to a server.
NPCI UPI QR Code Generator Explained
NPCI has no public shop QR generator. Create an NPCI-compliant upi://pay QR for PhonePe, GPay, Paytm, and BHIM — and how Bharat QR differs.
P2M Meaning in Banking and UPI Payments
P2M is person-to-merchant UPI. P2P is person-to-person. Learn the difference, refund TAT, MDR, and when a shop should use a merchant VPA instead of a personal UPI ID.