Worked monthly cost examples for Indian shops and online sellers, rental versus purchase sums for POS terminals and soundboxes, settlement and a method for comparing offers.
This section turns fee rules into monthly rupee figures for real kinds of businesses. The best-fit method shows how to choose between a static UPI QR, a soundbox, a card terminal, tap-on-phone acceptance and an online payment gateway by matching your ticket sizes, card mix, channel and cash-flow needs, not by chasing the lowest headline rate.
The worked examples cover a kirana and pharmacy counter, and an online store using a payment gateway with refunds and failed payments. Other guides compare renting and buying soundboxes and POS terminals, explain payment gateway pricing models, show how settlement timing (T+1, same-day and instant settlement) costs money, and explain how to read a merchant proposal and compare offers on an effective rate basis.
Use the MDR fee calculator, the monthly acceptance cost estimator, the POS and soundbox payback calculator and the offer comparison checklist with your own figures. All provider-type rates are illustrative: they show the method, not market prices. Replace them with the rates in your written offer.
Cost Examples and Choosing an Acceptance Set-up
A step-by-step method for Indian shops, service firms and online sellers to choose how to accept digital payments, based on ticket size, card mix, channel and cash flow.
Cost Examples and Choosing an Acceptance Set-up
A method for Indian merchants to compare offers from banks, payment aggregators and gateways on an effective-rate basis, with an illustrative three-offer comparison and red flags.
Cost Examples and Choosing an Acceptance Set-up
Line-by-line monthly payment acceptance costs for two Indian counter businesses, before and after the UPI MDR, with GST, devices and the effect of the card mix.
Cost Examples and Choosing an Acceptance Set-up
A line-by-line illustrative month for a D2C online store: gateway fees by method, refunds, chargebacks, instant settlement, GST, and how the UPI MDR changes the total.
Cost Examples and Choosing an Acceptance Set-up
How online payment gateways and aggregators price UPI, cards, net banking, wallets, EMI and international payments in India, with illustrative sums and the questions to ask.
Cost Examples and Choosing an Acceptance Set-up
How card terminal pricing works in India (rental, waivers, purchase, Android POS, mPOS and tap-on-phone), with a worked buy-vs-rent payback and contract points.
Cost Examples and Choosing an Acceptance Set-up
When Indian merchants receive money from card, UPI and gateway payments, what T+1 means, what instant settlement costs, why settlement is held and how to reconcile.
Cost Examples and Choosing an Acceptance Set-up
How soundbox pricing works in India (monthly rental, one-time purchase, waivers, SIM and deposit), a worked payback sum, and whether a static QR alone is enough.
