NoMDR
Zero Fee

Avoid UPI MDR Charges

Split payments into ₹1,999 QR codes. Receive full amount. Zero MDR. Zero fees.

1 Enter Payment Details

e.g. 9876543210@paytm, name@okicici, merchant@ybl

What is MDR on UPI Payments?

MDR (Merchant Discount Rate) is a fee charged by banks and payment processors when a customer pays a merchant via UPI. Since September 2026, the Indian government introduced a 0.4% MDR on UPI transactions above ₹2,000. Transactions up to ₹2,000 remain free.

This means if a customer pays ₹10,000 to a merchant via UPI, the merchant loses ₹40 to MDR. On ₹50,000, the loss is ₹200. On ₹1,00,000, it's ₹400.

NoMDR solves this by splitting large payments into ₹1,999 QR codes — each below the ₹2,000 threshold — so every transaction is MDR-free. The merchant receives the full amount.

UPI With MDR vs Without MDR

Amount With MDR (0.4%) Without MDR
₹5,000₹20₹0
₹10,000₹40₹0
₹20,000₹80₹0
₹50,000₹200₹0
₹1,00,000₹400₹0
₹5,00,000₹2,000₹0

Based on 0.4% MDR rate effective September 2026

How to Use NoMDR — Step by Step

1

Enter Your UPI ID

Type your UPI ID (e.g. 9876543210@paytm). It's saved locally so you don't have to type it again.

2

Enter the Total Amount

Type how much you want to receive. The tool instantly shows how many ₹1,999 QR codes will be generated and how much MDR you'll save.

3

Show QR Code to Customer

The first ₹1,999 QR code appears. Your customer scans it with Google Pay, PhonePe, Paytm, or any UPI app and pays.

4

Tap "Payment Done → Next"

After each payment, tap the Done button. The next QR code appears automatically. Progress bar tracks collection.

5

Full Amount Received — Zero MDR

After all QR codes are scanned, you've received the full amount. Every transaction was below ₹2,000, so MDR is ₹0.

UPI MDR Impact Data (India, 2026)

55.49 crore users are onboarded on UPI as of June 2026 (Source: NPCI/PIB)

24,161 crore UPI transactions worth ₹314 lakh crore in FY 2025-26

UPI accounts for 85% of all digital transactions in India

0.4% MDR on transactions above ₹2,000 — effective September 2026

96% of UPI merchant transactions are ≤₹2,000 and remain MDR-free (Source: BJP/spokesperson statement)

Data from NPCI, PIB.gov.in, and government statements (July-September 2026)

How MDR Avoidance Works

!

The Problem

UPI transactions above ₹2,000 attract 0.4% MDR. On ₹20,000 that's ₹80 lost to fees.

✓

The Solution

Split into ₹1,999 QR codes (below ₹2,000 threshold). Each transaction is MDR-free. Customer scans, pays, you tap "Done", next QR appears.

₹

The Result

Full amount in your account. Zero MDR. Works with Google Pay, PhonePe, Paytm & 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, but anything above attracts this fee from merchants. For example, on a ₹10,000 payment, the merchant pays ₹40 in MDR.
How to avoid MDR charges on UPI?
Use NoMDR to split large payments into ₹1,999 QR codes. Since each transaction is below ₹2,000, it's MDR-free. Enter your UPI ID and amount, show QR codes one at a time to your customer, tap "Done" after each payment, and collect the full amount with zero fees.
How much can I save using this tool?
You save the full 0.4% MDR. On ₹50,000 you save ₹200. On ₹1,00,000 you save ₹400. On ₹5,00,000 you save ₹2,000. The tool splits your payment into ₹1,999 chunks so every transaction stays below the MDR threshold.
Is splitting UPI payments into ₹1999 legal?
Yes. The government gazette notification (September 14, 2026) states that UPI transactions up to ₹2,000 are exempt from charges under Section 10A of the Payment and Settlement Systems Act, 2007. Each ₹1,999 payment is a legitimate individual transaction below the MDR threshold.
Which UPI apps work with these QR codes?
All UPI apps including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, WhatsApp Pay, and any other UPI-enabled application. The QR codes use the standard UPI URI format (upi://pay).
Is my UPI ID safe?
Absolutely. This is a 100% static website. All processing happens locally in your browser. Your UPI ID is saved only in your browser's localStorage and never leaves your device. Nothing is sent to any server.
What is the maximum amount I can collect?
There is no maximum. The tool works for any amount. For example, ₹5,00,000 becomes 250 × ₹1,999 + 1 × ₹500 = 251 QR codes. Each individual transaction stays at or below ₹1,999, keeping it MDR-free.
Does the customer pay any extra charges?
No. UPI transactions up to ₹2,000 are completely free for both merchants and customers. The customer pays exactly ₹1,999 (or the remaining amount) with zero fees.

About NoMDR

NoMDR is a free, open-source tool built for Indian merchants to legally avoid UPI MDR charges. Created in 2026 in response to the government's 0.4% MDR notification, it helps small businesses, shopkeepers, and freelancers receive full payment without losing money to transaction fees. The tool is 100% client-side — no data leaves your browser.