UPI Charges Calculator for Merchants

15 October 2026. NPCI published the framework on 15 September 2026 and set that date so acquiring banks, payment aggregators and billing software have time to update. Nothing changes for payments you take before then, and nothing changes at any date for your customers: NPCI’s FAQ is explicit that consumers pay no charge and that UPI apps cannot levy a platform fee.

Rs 20, so Rs 4,980 reaches you. The rate is 0.4% of the full amount once the payment crosses Rs 2,000, not 0.4% of the part above Rs 2,000. NPCI’s own worked examples follow the same rule: Rs 3,000 costs Rs 12 and Rs 50,000 costs Rs 200.

Yes, Rs 300. Once a single payment reaches Rs 75,000 the fee stops climbing. A Rs 1 lakh payment costs Rs 300 rather than the Rs 400 that 0.4% would give, and a Rs 5 lakh payment also costs Rs 300. Above Rs 75,000 your effective rate therefore falls the larger the payment gets, which is why the cap matters most to high-ticket sellers.

Not if you are classified P2PM. That category covers merchants receiving up to Rs 1 lakh a month through UPI QR into their account, and it carries a mandatory zero MDR regardless of individual payment sizes, so a Rs 5,000 payment to a P2PM merchant still costs nothing. GST registration is not required to qualify. The threshold is monitored, though: NPCI’s FAQ says merchants with inward UPI credit above Rs 1 lakh a month for three consecutive months are moved to the P2M category, at which point the 0.4% applies.

Railways, telecom, insurance and fuel are named in the framework, along with utility bill collection such as electricity, municipal water and piped gas, and education fee collection. For these, any payment above Rs 2,000 costs a flat Rs 5 whatever the amount. That is a large difference at scale: on a Rs 40,000 insurance premium the standard rate would be Rs 160, while the industry-programme rate is Rs 5.

No. NPCI’s FAQ states that onboarded merchants cannot pass MDR on to customers while accepting UPI, and that the customer pays only the posted price. Adding a surcharge at the counter or a line item on the invoice is outside the framework, so the fee has to be treated as a cost of acceptance, the same way card MDR already is.

Because the charge applies to the whole amount, not the excess. Rs 2,000 is free, so you keep Rs 2,000. Rs 2,001 attracts 0.4% of Rs 2,001, which is Rs 8, leaving Rs 1,993. The dead zone runs to about Rs 2,008, the point where the extra rupees finally cover their own fee. The tool flags this when your amount lands inside it. It matters for anything priced right at the line, and a Rs 1,999 price tag is worth more to you than a Rs 2,005 one.

NPCI’s FAQ does not address GST, so treat the tax line as an estimate rather than a published figure. In practice acquiring banks and payment aggregators bill GST at 18% on the fee they charge you, the same as they already do on card MDR and gateway fees, and if you are GST registered that tax is normally available as input tax credit. The tool leaves the GST toggle off by default so the headline figure is the MDR alone, and shows the tax separately when you switch it on.

No, both sit outside this 0.4%. RuPay credit cards linked to UPI and pre-sanctioned credit lines follow standard credit-card rules, because the money is a short-term loan from the issuing bank rather than a direct account-to-account transfer. Recurring UPI mandates and AutoPay carry no prescribed MDR at all, which covers subscriptions, SIPs and standing utility instructions.

Enter your typical payment size and the number of such payments and the tool totals it. The arithmetic is worth doing before October, because the cost tracks the shape of your takings, not just the total. Fifty payments of Rs 3,000 is Rs 150,000 collected and Rs 600 in fees, while one payment of Rs 150,000 is the same collection for Rs 300. Anything you can legitimately invoice as a single larger payment reaches the cap sooner, and anything under Rs 2,000 stays free.