Alat bisnis & UMKM gratis
Kalkulator Biaya Transaksi Pembayaran
Hitung besaran penghematan dana operasional usaha Anda dengan beralih ke pembayaran QR langsung tanpa biaya sewa mesin EDC.
Merchant savings calculator
What you keep if that card/gateway mix moved to direct UPI after 15 Oct 2026 (0.4% MDR on P2M above ₹2,000).
Need the fee on one bill? Use the UPI MDR calculator.
If that card mix moved to direct UPI
₹11,328.00
Gateway 2.36% minus UPI MDR on the same volume — typical bills are under ₹2,000, so UPI MDR is ₹0.
Cara penggunaan
- Masukkan estimasi omzet bulanan toko Anda
- Tentukan persentase biaya transaksi mesin kartu EDC
- Lihat total keuntungan dan penghematan biaya per tahun
Pertanyaan umum
Berapa potongan rata-rata mesin kartu EDC?
Biasanya berkisar antara 0,8% hingga 2% untuk setiap kali gesek kartu.
Mengapa QR code langsung lebih menguntungkan?
Uang langsung masuk rekening tanpa biaya sewa bulanan perangkat keras.
Alat terkait
Pilihan alat praktis untuk mendukung operasional bisnis.
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 MDR calculator (Oct 2026)
0.4% P2M above ₹2,000, small-merchant exemption, GST on MDR.
Panduan terkait
Artikel panduan praktis untuk usaha Anda.
NPCI QR Code vs BHIM QR vs Bharat QR: What Is the Difference?
What an NPCI QR code is, how it differs from a BHIM QR and a bank-issued Bharat QR, and why NPCI has no official website that prints shop QR codes.
P2M Full Form & Meaning in Banking and UPI
P2M meaning and full form in UPI and banking: how it differs from P2P, refund days, Oct 2026 MDR, and when a shop needs a merchant VPA.
P2PM Small Merchant: Who Stays Free on UPI MDR
Banks tag small QR shops as P2PM. GSTIN is not required. Three months over ₹1 lakh moves you to 0.4% MDR. How to check PhonePe, GPay, and your bank before 15 Oct 2026.
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.