About

Galla Ganit is an independent information site for owners and accountants of Indian micro, small and medium enterprises who want to understand what accepting digital payments really costs. Galla is the cash drawer at the counter, and ganit means arithmetic: the site is about working out how much of each sale reaches the galla after fees.

The guides explain the merchant discount rate on cards, the legal zero charge on RuPay debit cards and on UPI payments up to ₹2,000, the 2026 UPI MDR on larger merchant payments, wallet and credit-on-UPI charges, POS terminals and soundboxes, payment gateways and aggregators, settlement, chargebacks, tokenisation, PCI DSS, GST on fees and surcharging. Worked examples and calculators show the arithmetic.

What we do not do: we do not rank, score or review banks, aggregators or gateways, publish testimonials or case studies, or sell payment services. Every provider-type rate is an illustrative figure unless a guide gives a dated, sourced figure from an official notice. Providers are mentioned only to explain how a category works.

The content is general information, not legal, tax or financial advice. Rules in this area changed in 2025 and 2026 and may change again; check the official sources linked in each guide and consult your bank, a chartered accountant or a lawyer for your situation.

How this site is made

Galla Ganit is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.