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Calculateur de frais UPI
Ce n'est pas une taxe. C'est un MDR commerçant sur certains paiements P2M au-dessus de ₹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 →Mode d'emploi
- Saisissez le volume UPI mensuel ou un paiement
- Choisissez commerce, essentiel ou P2P
- Cochez l'exonération petit commerçant
Foire aux questions
Est-ce un impôt ?
Non. Le ministère a précisé que le MDR n'est perçu ni par l'État ni par NPCI.
Qui reste gratuit ?
Le P2P, les paiements jusqu'à ₹2 000 et les QR de moins de ₹1 lakh par mois.
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