UPI Fee Calculator

Help Indian merchants understand the cost of new UPI MDR rules

Problem

India's new MDR charges on certain UPI transactions starting October 15 have created widespread panic and confusion among merchants and consumers. Small merchants have no finance team to figure out which transactions are affected, who bears the cost, and how much their monthly outgo will increase. Discussions show people are actively seeking clarity.

Solution

A lightweight web tool: input monthly transaction volume, average ticket size, and transaction types; it calculates the new monthly cost under MDR rules and compares options (UPI, cards, wallets). Output a shareable summary for merchants to communicate with customers.

Users

Indian small merchants, freelancers, independent store owners, and service providers who need to explain fees to clients

MVP

Input monthly transaction count and average ticket size; built-in official MDR rate table (updatable); output per-transaction and monthly estimated cost; generate shareable PDF/image summary; no signup, single-page app.

Revenue

Free basic tier; paid unlock for multi-store/multi-scenario saving and PDF export; or affiliate with payment gateways for compliant recommendations.

Why now

The MDR rule just took effect, information is chaotic and urgent; big players have little incentive to build a neutral calculator, so an indie developer can ship fast and capture search traffic.