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Fees, Price Drivers and 2026 Rules
- Debit card MDR caps in India: the RBI limits for small and other merchants, terminal and QR
- GST on MDR, payment gateway fees and POS rental: rate, invoices and input tax credit
- MDR explained: how card processing fees are built and why credit cards cost merchants more
- Merchant payment processing fees in India (2026): MDR, UPI charges, devices and GST explained
- RBI rules for payment aggregators (2025 Master Direction): what merchants should know
- UPI MDR above ₹2,000 (2026): the 0.4% charge, ₹300 cap, ₹5 categories and who is exempt
- Wallet and credit-on-UPI charges for merchants: PPI interchange, RuPay credit cards and credit lines
- Zero MDR on RuPay debit and UPI: section 10A, the September 2026 notification and the ₹50 crore rule
Cost Examples and Choosing an Acceptance Set-up
- Choosing a payment acceptance set-up that fits: QR, soundbox, POS, tap-on-phone or gateway
- How to compare merchant payment offers: effective rate, rate cards and the questions to ask
- Worked example: monthly card and UPI costs for a kirana store and a pharmacy
- Worked example: what a payment gateway costs an Indian online store each month
- Payment gateway charges in India: pricing models, fixed fees and add-ons explained
- POS card machine: rent, buy or use tap-on-phone? Costs and payback for Indian shops
- Settlement of card and UPI payments: T+1, instant settlement fees, holds and cash flow
- Soundbox rental vs purchase: what a UPI payment speaker really costs a shop
Failure Patterns, Disputes, Security and Official Sources
- Card tokenisation, PCI DSS and payment data rules for Indian merchants (2026)
- Chargebacks, refunds and failed payments: what Indian merchants need to know
- Fake payment screenshots, QR swaps and refund scams: protecting a shop's digital payments
- Official sources on merchant payment fees in India: where to check MDR, UPI and tax rules
- How merchants lose money on payment processing: 12 failure patterns and how to avoid them
- Can a merchant add a card surcharge or convenience fee in India? Rules and risks