UPI Charges
UPI Charges Calculator 2026
Understand and calculate all UPI merchant charges — MDR, GST on MDR and net settlement. Current rates as of September 2026.
UPI Charges Calculator
Real-time resultsInclude GST on MDR
18% GST on MDR amount
Enter a transaction amount to calculate UPI charges.
Current UPI Charges by Category
| Category | Below ₹2,000 | Above ₹2,000 | Cap |
|---|---|---|---|
| Standard Merchant (P2M) | ₹0 | 0.4% | ₹300/txn |
| Essential / Thin-Margin | ₹0 | ₹5 flat | ₹5/txn |
| Capital Market | 0.02% | 0.02% | ₹300/txn |
| Small Merchant / Zero MDR | ₹0 | ₹0 | — |
| Person-to-Person (P2P) | N/A | N/A | — |
UPI charges are borne by the merchant — not the customer. Customers pay the full transaction amount. MDR is deducted from the merchant's settlement. Learn more →
Calculate UPI Charges for Common Amounts
Click any amount to calculate
Related Tools & Calculators
UPI MDR Calculator
Standard calculator for MDR & Merchant Settlement.
UPI QR Generator
Create custom amount QR codes instantly for your shop.
UPI Splitter
Split bills and generate multiple precise QR codes.
Monthly Cost Calculator
Estimate your total monthly UPI processing charges.
Reverse Calculator
Calculate gross amount from desired net settlement.
Settlement Calculator
Calculate exact bank credit after PG and Instant payout fees.