Merchant MDR Calculator

Merchant MDR Calculator helps Indian merchants and shopkeepers estimate UPI payment charges (MDR) and track daily sales — all offline, in 10 Indian languages. ▸ CALCULATE ESTIMATED MDR INSTANTLY Enter your transaction amount, choose P2M or P2P, select your merchant category and location framework, and get an instant estimate of your MDR charge and the estimated net amount you may receive. Supported estimation rules: • P2P transfers — Free (zero MDR) • P2M up to ₹2,000 — Free • Rural/semi-urban zero-MDR framework — Free • Railway, Telecom, Insurance, Fuel & Agricultural Inputs above ₹2,000 — Flat ₹5 estimate • General merchants above ₹2,000 — 0.4% estimated MDR, capped at ₹300 ▸ RECORD & TRACK YOUR SALES Save each UPI sale with its estimated MDR and net amount. View your full transaction history, filter by date or transaction type, and keep a clear record of every sale on your device. ▸ SALES ANALYTICS The Analytics tab shows your total sales, estimated MDR cost, net amount, average transaction value, and a sales vs. estimated MDR cost chart — by day, week, or month. ▸ BUILT FOR INDIAN MERCHANTS Available in 10 languages: English · हिंदी · मराठी · ગુજરાતી · বাংলা · தமிழ் · తెలుగు · ಕನ್ನಡ · മലയാളം · ਪੰਜਾਬી Light, Dark, and System-default themes supported. ▸ OFFLINE. PRIVATE. ON-DEVICE. All transaction data is stored only on your device. The app works without an internet connection. No account or sign-up required. DISCLAIMER All MDR values shown are estimates based on publicly discussed rate structures and are for planning and reference only. Actual MDR charges depend on your merchant category, location framework, your specific merchant agreement, and the rules applied by your bank or payment service provider. Rates and applicability can vary. This app does not process UPI payments and is not affiliated with NPCI, any bank, or payment provider.