Merchant Savings Toolkit
UPI Transaction Fee & MDR Savings Calculator
See exactly how much revenue your store, Kirana shop, or freelancing business saves by offering zero-MDR UPI payment QR codes instead of paying 2.36% card gateway fees.
Merchant Savings Calculator
Calculate how much money your business saves annually by switching from 2% Payment Gateways to Free UPI QR.
Estimated Yearly Savings with Pro UPI QR
₹13,128
Total money kept in your business account every year instead of paying bank MDR fees.
Understanding UPI MDR Regulations in India
The Merchant Discount Rate (MDR) is the fee charged by banks and payment processors to merchants for accepting digital payments. Here is how UPI compares against traditional card networks:
| Payment Method | MDR Rate | GST (18%) | Fee on ₹10,000 Sale |
|---|---|---|---|
| Direct UPI QR (Bank Account) | 0.00% | ₹0 | ₹0 (100% Free) |
| RuPay Credit Card on UPI (< ₹2,000) | 0.00% | ₹0 | ₹0 |
| Visa / MasterCard Credit Cards | 2.00% | 0.36% | ₹236 |
| Payment Gateway (Razorpay/Paytm) | 2.00% | 0.36% | ₹236 |
Other UPI QR Generators
Purpose-built tools for every major payment app.
PhonePe QR Generator
Create a PhonePe-compatible UPI QR with optional amount and note.
Google Pay QR Generator
Build a GPay-friendly standee customers can scan from any UPI app.
Paytm QR Generator
Generate a Paytm-compatible payment QR for shops and local businesses.
Donation QR Generator
Set up a commission-free donation poster for temples, NGOs, and causes.
BHIM UPI QR Generator
Generate standard BHIM UPI QR codes for instant direct bank payments.
WhatsApp Pay QR Generator
Create a WhatsApp Pay compatible UPI QR code for direct chat-to-bank payments.
Amazon Pay QR Generator
Build Amazon Pay compatible UPI QR code standees and bill posters.
SBI UPI QR Generator
Generate State Bank of India (SBI) UPI QR codes for retail checkouts.
HDFC Bank UPI QR Generator
Create HDFC Bank compatible UPI payment posters for invoicing.
ICICI Bank UPI QR Generator
Generate ICICI Bank compatible UPI billing QR codes.
Axis Bank UPI QR Generator
Create Axis Bank compatible UPI payment posters and counter standees.
Kotak Bank UPI QR Generator
Generate Kotak Mahindra Bank compatible UPI payment QR codes.
PNB UPI QR Generator
Create Punjab National Bank compatible UPI collection QRs for business.
Canara Bank UPI QR Generator
Generate Canara Bank compatible payment QR codes for local stores.
Bank of Baroda QR Generator
Build Bank of Baroda UPI payment posters and standee cards.
IndusInd Bank QR Generator
Create IndusInd Bank compatible UPI payment QR codes.
Union Bank UPI QR Generator
Generate Union Bank of India UPI billing and collection QR codes.
Kirana Shop UPI QR Generator
Generate counter-ready UPI QR posters for grocery stores and local shops.
Taxi & Auto UPI QR Generator
Create scan-to-pay payment posters for cab drivers, auto rickshaws & transit.
Freelance Payment QR Generator
Generate zero-fee payment QRs for client invoices and remote work billing.
Restaurant & Cafe QR Generator
Build table tent payment QRs for cafes, restaurants, and cloud kitchens.
IDFC FIRST Bank QR Generator
Create IDFC FIRST Bank compatible UPI payment posters and QR cards.
IDBI Bank UPI QR Generator
Generate IDBI Bank compatible UPI payment collection QRs.
Yes Bank UPI QR Generator
Create Yes Bank compatible payment QR posters for merchants.
RBL Bank UPI QR Generator
Generate RBL Bank compatible payment QR codes for checkout counters.
Central Bank UPI QR Generator
Build Central Bank of India compatible UPI payment posters.
Gym & Fitness UPI QR Generator
Create membership fee & trainer payment QRs for fitness studios.
Salon & Spa UPI QR Generator
Generate beauty salon and spa billing payment QRs for front desks.
Parking Lot UPI QR Generator
Build rapid scan-to-pay parking fee posters for valet & vehicle lots.
Temple & NGO Donation QR Generator
Generate zero-commission donation QRs for temples, trusts, and NGOs.
Related Guides
Step-by-step articles on printing, setup, and security.
How to Generate Bulk UPI QR Codes from Excel CSV
Learn how to batch generate hundreds of custom-amount UPI payment QR codes from an Excel spreadsheet.
How to Print Free UPI QR Code Sticker Sheets on A4 Paper
Step-by-step tutorial to print 4, 6, or 12 high-resolution QR stickers for shop counters and packaging boxes.
Universal UPI QR Code Generator for Bank Account — Complete Guide
Learn how universal UPI QR codes work, how to connect any bank account, and accept PhonePe, GPay & Paytm payments.
Universal UPI QR Code Generator App — Mobile Web Guide
How to use Pro UPI QR as a mobile web app without app store downloads. Generate UPI QR posters right from your phone.