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E-Commerce & Creator Business Calculator #212 of 218

UPI MDR & Payment Gateway Settlement Fee Calculator

UPI MDR & Payment Gateway Settlement Fee Calculator is a verified e-commerce & creator business calculation tool on Calcify. Calculate Razorpay, Cashfree, Stripe, or PayU payment gateway MDR charges, 18% GST on gateway fee, and exact T+2 bank settlement amount. All calculations execute locally in your browser with multi-currency support, visual breakdowns, and white-label client exports.

Prepared By (Client Brand)
UPI MDR & Payment Gateway Settlement Fee Calculator

Input Parameters

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Net Merchant Bank Settlement VERIFIED RESULT
₹97,640

Total Deduction: ₹2,360 (2.36% Effective Rate) · 18% GST: ₹360

Gross Customer Payment
₹1,00,000
Base Gateway MDR (2.00%)
₹2,000
18% GST on Gateway Fee
₹360
Net Settled to Bank Account
₹97,640
Visual Breakdown & Progression
1.4% Enterprise98,348
2.0% Standard97,640
3.5% International95,870
Core Formula: Gateway Fee = Amount × MDR% + Fixed Fee; GST = Gateway Fee × 18%; Net Bank Settlement = Amount - (Gateway Fee + GST).
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Example Calculation & Assumptions

Example Inputs: Gross Customer Payment / Monthly Volume: ₹100000 · Payment Instrument & MDR Tier: 2.0 · Optional Fixed Platform Fee per Settlement: ₹0

Example Output: Net Merchant Bank Settlement: ₹97,640 (Total Deduction: ₹2,360 (2.36% Effective Rate) · 18% GST: ₹360)

Frequently Asked Questions

How does the UPI MDR & Payment Gateway Settlement Fee Calculator on Calcify calculate results?

The UPI MDR & Payment Gateway Settlement Fee Calculator on Calcify applies the verified mathematical formula: Gateway Fee = Amount × MDR% + Fixed Fee; GST = Gateway Fee × 18%; Net Bank Settlement = Amount - (Gateway Fee + GST).. Every input is validated in real time with multi-currency formatting to ensure zero rounding or division errors.

What key assumptions are used in the UPI MDR & Payment Gateway Settlement Fee Calculator?

Payment gateways in India levy 18% GST on top of the Merchant Discount Rate (MDR) fee. Direct Bank-to-Bank UPI and RuPay Debit transactions carry 0% statutory MDR for standard P2M payments.

Can I export or share the UPI MDR & Payment Gateway Settlement Fee Calculator report with my own company branding?

Yes. On Calcify, you can click the Share button to share via native mobile/desktop share sheets, or click "Export Report" -> "Export with My Branding" to upload your logo, add company details, and download a custom PDF, PNG, or CSV report powered by Calcify.

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