Alat bisnis & UMKM gratis
Kalkulator biaya UPI
Ini bukan pajak. Ini MDR pedagang pada sebagian pembayaran P2M di atas ₹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 →Cara penggunaan
- Masukkan omzet UPI bulanan atau satu transaksi
- Pilih toko, sektor esensial, atau P2P
- Centang pembebasan pedagang kecil
Pertanyaan umum
Apakah ini pajak?
Bukan. Kementerian menegaskan MDR tidak dipungut pemerintah atau NPCI.
Siapa yang tetap gratis?
P2P, pembayaran sampai ₹2.000, dan toko QR sampai ₹1 lakh per bulan.
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