Ferramenta empresarial gratuita
Calculadora de Taxas de Cartão
Compare as taxas de cartão de crédito e maquininhas com a economia de receber pagamentos instantâneos diretos via QR Code.
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.
Como usar
- Informe seu faturamento mensal aproximado
- Digite a taxa média cobrada pela sua maquininha
- Confira a economia anual gerada para o seu caixa
Perguntas frequentes
As taxas de maquininha reduzem muito o lucro?
Sim, podem consumir de 1% a 5% de cada venda no acumulado do mês.
Receber via QR Code direto é mais vantajoso?
Sim, o dinheiro cai na conta sem descontos de intermediação pesados.
Ferramentas relacionadas
Outras ferramentas úteis para a sua empresa.
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.
Guias recomendados
Tutoriais práticos selecionados.
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.