Estimate a monthly low–high range for card, UPI and gateway fees from your digital sales, an illustrative cost band for your payment mix and your fixed monthly charges.
Choose the payment mix that looks most like your business, enter your digital sales per month in lakh and your fixed monthly charges. The tool multiplies sales (in lakh) by the low and high fee per ₹1 lakh and adds the fixed charges. Everything is before 18% GST.
Worked example (illustrative). A general store takes ₹5 lakh a month digitally, roughly half by UPI and half by cards. With the first option (₹600–₹1,100 per lakh) and ₹1,000 of fixed charges (a terminal and a soundbox), the estimate is 5 × ₹600 + ₹1,000 = ₹4,000 to 5 × ₹1,100 + ₹1,000 = ₹6,500 a month. Adding 18% GST gives about ₹4,720 to ₹7,670.
Where the bands come from. They are illustrative, built from the rules described on this site: no charge on RuPay debit cards and UPI up to ₹2,000; a 0.4% UPI MDR on select payments above ₹2,000 once NPCI implements it; RBI caps of 0.9% (0.8% on QR) for other debit cards for larger merchants; and credit-card MDR that NPCI's 2026 FAQ describes as typically 1.5% to 2.5%. Your rates depend on your offer.
Limits. It does not model the ₹300 cap on large UPI payments, refunds, chargebacks or settlement fees. Replace the bands with your written rates. See the worked kirana example.
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.
Fees, Price Drivers and 2026 Rules
What a merchant pays when a customer pays a UPI QR from a wallet, a RuPay credit card or a pre-sanctioned credit line, and how these differ from ordinary UPI.
