MDR Kya Hai
MDR ka full form Merchant Discount Rate hai — yeh wo fee hai jo payment gateway/bank aapke business se charge karta hai har card ya digital transaction par. Yeh transaction amount ka small percentage hota hai aur business ke per-transaction cost ko define karta hai.
MDR ka full form Merchant Discount Rate hai — yeh wo fee hai jo payment gateway/bank aapke business se charge karta hai har card ya digital transaction par. Yeh transaction amount ka small percentage hota hai aur business ke per-transaction cost ko define karta hai.
MDR Ka Detailed Explanation
Agar aap online business chalate hain ya retail shop me POS machine use karte hain, MDR aapki direct cost hai. Har Rs 100 ki sale par jo 1.8% MDR cut hota hai, woh aapka margin reduce karta hai. Iska understanding profit calculation ke liye essential hai.
MDR Kaise Kaam Karta Hai
Step-by-step working aur key technical aspects:
- MDR transaction amount ka percentage hota hai (e.g., 1.5%, 1.8%, 2.5%)
- Different rates for different payment methods: UPI 0% (NPCI ne mandate kiya hai for small merchants), Debit card 0.4-0.9%, Credit card 1.5-2.5%, Net Banking 0.9-1.2%, Prepaid wallet 1-2%
- MDR breakdown: Issuing bank (~70%), Network (Visa/Mastercard/Rupay ~10%), Acquiring bank + PG (~20%)
- GST 18% applicable on MDR separately
- RuPay debit MDR (under ₹2,000 transactions) currently zero by RBI mandate for select cases
- International cards MDR generally 3-4% (higher due to cross-border charges)
- Aggregator pricing vs bank pricing: aggregators have flat blended rates, banks offer interchange-plus pricing
MDR Ke Common Myths vs Truth
Yeh aam galat fehmiyaan hain MDR ke baare me — sahi samajh ke liye yeh clear karna important hai:
MDR Ke Baare Me Aur Help Chahiye?
Free expert advisory · Hindi-English me · T&C applicable
💬 Free Advisory — WhatsApp KareinFrequently Asked Questions — MDR
Kya UPI har case me free hai?
P2P UPI free hai, but P2M (merchant) UPI me PA/PSP charge kar sakte hain agar transaction zyada hai ya merchant ki category specific hai
Kya MDR ko customer se charge kar sakte hain?
RBI directives ke according MDR customer se charge karna prohibited hai certain cases me — passing on cost depends on PSP agreement
Kya competitive MDR (varies by partner) best hai?
Settlement time, fraud protection, dashboard quality, customer support sab equally important hain — sirf MDR pe decide karna risky hai
MDR ke baare me ProWiderKart kaise help karta hai?
ProWiderKart financial facilitation platform hai jo MDR se related advisory free me provide karta hai. Hum 50+ banks, NBFCs aur insurers ke saath connect karte hain. Service WhatsApp ke through deliver hoti hai. Final approval respective institution ki discretion par. T&C applicable.
MDR ke liye kya documents chahiye?
Specific documents MDR ke type aur lender ki underwriting policy par depend karte hain. General KYC me PAN, Aadhaar, income proof, bank statements include hote hain. Detailed checklist application start hone par share ki jaati hai.
Related Glossary Terms
Related ProWiderKart Resources
💬 Free Advisory Chahiye?
WhatsApp pe contact karo. Free consultation. Multiple option compare.
💬 WhatsApp Now