NPCI Official RuleGovt Zero-MDR & Wallet Circular
UPI Transaction Processing Fee & Interchange Calculator
₹
Regulatory Insight:
NPCI PPI Interchange circular: General Retail / Shop / D2C attracts 1.1% interchange on > ₹2,000 + 18% GST. Paid by merchant, NOT customer.
Compliant with NPCI Circular Ref. 2023/164Updated for FY 2024–26
Net Merchant Settlement-1.30% Deducted
₹2,467.55
Amount credited to your bank account after MDR & GST deduction
Gross Customer Payment:₹2,500.00
Base Interchange / MDR (1.1%):-₹27.50
GST (18% on Processing Fee):-₹4.95
Total MDR Deducted:-₹32.45
Customer Extra Surcharge:₹0.00 (Zero Surcharge)
100% Free Forever
Create GST Invoices for Free
Generate professional GST & non-GST bills in 30 seconds with logo and UPI QR code.
Free for Indian BusinessesCreate Free Invoice Now