No MDR: Avoid UPI MDR charges

No MDR is for shopkeepers who take UPI payments above Rs. 2,000. From 15 Oct 2026, eligible merchants pay 0.4% MDR (max Rs. 300 per transaction) on UPI payments above Rs. 2,000. Payments up to Rs. 2,000 remain free. No MDR splits a large bill into QRs of Rs. 1,999 or less, so each payment stays within the free limit under current rules. How it works: 1. Scan your existing UPI QR or enter the UPI ID, name and bill amount. 2. The app splits the bill into the fewest QRs needed. Example: Rs. 4,001 becomes Rs. 1,999 + Rs. 1,999 + Rs. 3. 3. Show one QR at a time. Confirm the credit in your own UPI app or soundbox, then tap Received and move to the next. If a customer stops halfway, the bill is marked Partial and you can re-split only the remaining balance. What you get: - One-by-one collection screen with clear progress and amount for each QR - Month-wise dashboard with total collected and estimated MDR saved per bill - Saved merchant profiles for shops with multiple UPI IDs - CSV export for your records - Adjustable per-QR limit, light/dark theme, works offline Please note: - The customer has to pay more than once for large bills. - Savings shown are estimates. Actual fees depend on your PSP/acquirer, and rules can change. - Always confirm payment in your own UPI app or soundbox before handing over goods. - Merchants receiving up to Rs. 1 lakh a month on UPI are already exempt and may not need this app. Privacy: No login, no account. Your bills and profiles stay on your phone. The app shows banner ads; nothing about your bills is shared with the ad provider. Disclaimer: No MDR is not affiliated with NPCI, UPI, BHIM or any bank. It is not a payment processor and does not move money. It only generates standard UPI QRs from details you provide.