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UPI Savings Calculator

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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.

Used for UPI MDR. Bills of ₹2,000 or less stay free. A ₹5,000 typical bill takes 0.4%.

All UPIHalf PGAll PG
P2P stays free. P2M of ₹2,000 or less stays free. Small QR shops under ₹1 lakh/month stay free if tagged P2PM. Other P2M above ₹2,000 may take 0.4% MDR from 15 October 2026, capped at ₹300.
Yearly savings vs gateway

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.

Card/PG volume₹40,000.00/mo
Gateway MDR (2.36% with GST)₹944.00/mo
UPI MDR if that volume moved₹0.00/mo
Still cheaper than a gateway₹11,328.00/yr

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