Enter card or gateway sales, the MDR, any fixed fee per transaction and other monthly charges to see the total fee and what reaches your bank account.
Enter the card or gateway sales for a month (or any period), the MDR or gateway rate from your agreement, any fixed fee per transaction and the number of transactions, and the other charges you pay in the same period. The tool calculates: fee = sales × rate + fixed fee × number of transactions; amount you keep = sales − fee − other charges.
Worked example (illustrative). A shop takes ₹3,00,000 in card payments in a month across 150 transactions. Its offer says 1.5% with a ₹2 fixed fee per transaction. The fee is ₹3,00,000 × 1.5% = ₹4,500, plus 150 × ₹2 = ₹300, so ₹4,800. Other charges: 18% GST on the fee (₹864) and a terminal rental of ₹500 plus GST (₹590), so ₹1,454. The shop keeps ₹3,00,000 − ₹4,800 − ₹1,454 = ₹2,93,746. Its effective cost is ₹6,254 ÷ ₹3,00,000 ≈ 2.08% of card sales, not the 1.5% headline.
Using it for UPI. For UPI, enter only the payments above ₹2,000 once the UPI MDR applies, at 0.4%; remember the ₹300 cap per payment from ₹75,000 and the flat ₹5 for notified categories, which this tool does not model. RuPay debit card payments and UPI payments up to ₹2,000 carry no charge by law.
Limits. Use a separate run for each card type if your rates differ. GST input tax credit may reduce the real cost of GST for a registered business. See MDR explained and the UPI MDR guide.
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What Indian merchants pay to accept cards, UPI, wallets and online payments in 2026, what drives each fee, which rules apply and how to estimate your own cost.
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