1 Enter Payment Details
QR 1 of 10
0%
Total
₹0
Collected
₹0
Remaining
₹0
Scan to Pay
Payment Complete!
You received
₹0
Total MDR saved: ₹0
How It Works
!
The Problem
UPI transactions above ₹2,000 attract 0.4% MDR. On ₹20,000 that's ₹80 lost.
✓
The Solution
Split into ₹1,999 QR codes. Each transaction is MDR-free.
₹
The Result
Full amount in your account. Zero MDR. Works with all UPI apps.
Frequently Asked Questions
What is MDR on UPI payments?
MDR (Merchant Discount Rate) is a 0.4% fee charged on UPI transactions above ₹2,000. Since September 2026, transactions up to ₹2,000 remain free. Read more →
How much can I save?
The full 0.4%. On ₹50,000 you save ₹200. On ₹1,00,000 you save ₹400. See full table →
Is this legal?
Yes. The government notification (Sept 14, 2026) states UPI transactions up to ₹2,000 are exempt under Section 10A. Read source →
Which UPI apps work?
All UPI apps: Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp Pay, and any UPI-enabled app.
Is my UPI ID safe?
Yes. 100% static site. All processing is local. Nothing is sent to any server.