Merchant Savings Toolkit
UPI Transaction Fee & MDR Savings Calculator
See exactly how much revenue your store, Kirana shop, or freelancing business saves by offering bank-to-bank UPI payment QR codes (zero MDR) 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 |
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Extract UPI ID From a QR Code Online
Upload a UPI QR to extract the VPA, payee name, and amount in your browser. Decode PhonePe, GPay, Paytm, or BHIM codes without sending the image to a server.
NPCI UPI QR Code Generator Explained
NPCI has no public shop QR generator. Create an NPCI-compliant upi://pay QR for PhonePe, GPay, Paytm, and BHIM — and how Bharat QR differs.
P2M Meaning in Banking and UPI Payments
P2M is person-to-merchant UPI. P2P is person-to-person. Learn the difference, refund TAT, MDR, and when a shop should use a merchant VPA instead of a personal UPI ID.
Money Deducted but Pending? How to Resolve UPI Transaction Issues
UPI pending after a debit: copy the 12-digit UTR, do not retry, use RBI T+1/T+5 auto-reversal, then escalate via app, bank, NPCI, and Ombudsman.