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By Team ProWiderKart · Updated · 5 min read
💰 MDR & Fee Guide

Payment Gateway Charges aur MDR Rate — Complete Guide

Payment gateway pe kitna charge lagta hai? MDR, setup fee, settlement charges — sab honestly samjhao. Koi hidden surprise nahi.

Free MDR Guidance 50 FAQs ↓
0%UPI MDR
₹0Setup Fee (usually)
1.5-2.5%Credit Card MDR
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Payment Method Wise MDR Rates (Approximate)

  • UPI: 0% MDR (RBI mandated)
  • Debit Card: 0.4% – 0.9%
  • Credit Card: 1.5% – 2.5%
  • Netbanking: ₹5-15 flat or ~1%
  • International Card: 2.5% – 4.5%
  • Setup Fee: Usually ₹0

*Rates approximate hain. Actual rates gateway policy aur volume pe depend karti hain. Free consultation lo exact quote ke liye.

50 SAWAAL

MDR Charges — 50 Complete FAQs

Neeche diye gaye sab sawaalon ke jawab hain. Aur sawaal ho to WhatsApp karo — +91 98332 16954

MDR = Merchant Discount Rate. Jab customer payment karta hai, gateway ek small percentage (MDR) deduct karta hai — yeh merchant ko milne wali actual payment thodi kam hoti hai. Example: ₹100 transaction, 2% MDR = merchant ko ₹98 milega.
UPI P2M (person to merchant) transactions pe MDR 0% hai — RBI directive ke baad. Matlab ₹100 UPI payment mein merchant ko ₹100 milega — zero deduction.
Credit card MDR: 1.5% to 2.5% depending on card type aur gateway. Premium cards (premium card variant, premium card variant) mein zyada MDR lag sakta hai.
Debit card MDR: 0.4% to 0.9% typically. Small merchant ke liye lower rates available hain. RBI ne cap lagaa rakhi hai.
Netbanking: ₹5 to ₹15 per transaction flat fee (bank aur amount dependent). Ya percentage based — 1% to 1.5% usually.
Wallet-to-merchant: 0% to 1.5% depending on arrangement. Wallet company se merchant ke paise transfer mein additional charges ho sakti hain.
Setup fee = account banane ka one-time charge. Zyaadatar gateways ab setup fee nahi lete. Kuch special integrations ya premium plans mein setup fee ho sakti hai.
Basic plans: zero monthly fee. Advanced plans (dedicated support, extra features): ₹500-5000/month range. Carefully plan choose karo.
Agar customer bank se payment dispute karta hai aur merchant lose karta hai — chargeback fee lagti hai. ₹250-500 per chargeback typically. Documentation strong rakhna zaroori hai.
Kuch gateways refund pe nominal fee (₹5-25) lete hain. Kuch free mein karte hain. Gateway T&C mein check karo before signing up.
Default: merchant bear karta hai (gateway deduct karta hai settlement se). Convenience fee/surcharge add karna legal hai but customer experience affect karta hai.
Haan! MDR pe 18% GST lagti hai. Example: ₹100 transaction, 2% MDR = ₹2 MDR + ₹0.36 GST on MDR = ₹2.36 total deduction. Merchant ko ₹97.64 milega.
Transaction failed hone pe MDR nahi lagta. Refund initiated karne pe gateway kuch cases mein MDR reverse karta hai — policies alag hain.
Basic settlement: usually free. Express/instant settlement (same day): 0.25-0.5% additional charge. Next day settlement standard hai.
Volume commitments pe negotiated rates milti hain. High volume merchants (₹1 crore+/month) better MDR negotiate kar sakte hain.
RBI ne UPI pe 0% MDR fix ki hai. Debit card pe cap lagayi hai. Credit card MDR market-driven hai. Government time-time pe guidelines update karti hai.
EMI on credit card: gateway MDR + bank's EMI processing fee. Zero-cost EMI: merchant ek lump sum cost bear karta hai. Net-net 2-4% effective cost.
International transactions pe zyada MDR: 2.5% to 4.5% + currency conversion fee 0.5-2%. Total effective charge 3-6% range mein aa sakti hai.
Haan! High volume merchants negotiate kar sakte hain. ProWiderKart ke through apply karne se volume combine hokar better rates possible hain.
Haan! Business ke liye MDR charges legitimate business expense hai — income tax calculation mein deduct ho sakti hai. CA se confirm karo.
Zyaadatar reputable gateways transparent hain. Hidden charges dhundhe toh: overnight settlement fee, API call limits, technical support charges, custom integration fee. T&C carefully padho.
Recurring/subscription transactions pe: same MDR as card type. NACH/ECS pe ₹5-15 flat per mandate execution.
QR code generate karna free hai. UPI via QR = 0% MDR. Physical QR print karne ka cost merchant ka — ₹50-200 approx.
UPI MDR: 0% (all gateways). Debit card: varies (0.4-0.9%). Credit card: varies (1.5-2.5%). Choose based on your payment mix — credit card heavy business ke liye compare carefully.
Settlement ke time deduct hoti hai — daily ya T+1/T+2 cycle mein. Gross amount receive hoti hai → MDR deduct → Net settlement.
Nahi, revenue share nahi hoti. Sirf per-transaction MDR. Revenue kitna bhi ho — gateway ka charge transaction-based.
Nahi, past transactions ke MDR recovered nahi hote. Future transactions pe new MDR apply hogi.
Gateway rates seasonal nahi hoti. But high transaction volume ke saath occasionally gateway apna system load balanace karta hai — rates nahi badalte.
Credit card surcharge India mein officially discouraged hai RBI ke guidelines se. UPI pe surcharge completely prohibited hai. Check latest RBI guidelines.
UPI payments maximize karo (0% MDR). Debit cards prefer karo credit cards pe. High-value transactions verify karo timing ke saath. Monthly reconciliation karo.
MDR = Merchant Discount Rate (payment network/bank charge). TDR = Transaction Discount Rate (gateway's terminology for same concept). Practically same meaning hai.
Haan! Gateway dashboard pe detailed MDR statement milti hai — transaction-wise, method-wise, date-wise. Monthly downloadable report available.
Haan! Gateways apni pricing pages pe publish karte hain. Exact rates enterprise customers ke liye negotiated hoti hain aur publicly disclosed nahi hoti.
Gateway settlement report download karo. Bank statement se match karo. Difference = MDR + GST on MDR. Excel mein track karo monthly.
Overcharge nahi hota — MDR gross amount se deduct hoti hai. Settlement amount hi net amount hota hai. Confusion hone pe gateway support se clarify karo.
Same as direct gateway — MDR method-dependent hoti hai. UPI link = 0%, card link = card MDR.
Blockchain/crypto India mein payment gateway ke bahar hai mostly. Regulatory framework evolving hai. Traditional MDR nahi hoti crypto pe.
USD receive → INR conversion → forex gain/loss accounting → MDR as expense. Complex hai — CA se properly handle karwao.
Basic plans: unlimited API calls. Advanced plans: API call limits with overage charges. Developer applications ke liye carefully check karo.
Haan! RBI regulations se MDR change hoti hai. UPI MDR pehle tha, fir zero hua. Future changes possible hain — gateway updates se informed raho.
Bank account verification ke liye ₹2-5 penny drop charge hoti hai. One-time verification process.
Clear product/service description, confirmation email, tracking number, delivery proof — yeh sab chargeback risk reduce karte hain.
Haan! Annual contract mein MDR locked rahti hai. Rate revision contract renewal pe hogi. Good aur bad dono aspects hain.
Gateway se negotiate karo — volume commitment de karo. Alternative gateway compare karo. Payment mix optimize karo — UPI zyada use karo.
BNPL transactions pe separate processing fee hoti hai — often higher than regular MDR. BNPL provider ke saath terms carefully negotiate karo.
Zero-cost EMI mein bank/manufacturer subvention deta hai interest ka — merchant/gateway share karta hai. Effective merchant cost verify karo before enabling.
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Payment Gateway MDR Calculator —
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Apne monthly transaction volume aur payment mode mix se approximate MDR cost, GST aur net settlement amount estimate karein.

MDR Calculator

Payment Gateway Monthly Cost

Approximate MDR estimate. Final rates provider negotiation aur business type pe depend karte hain.

Net Settlement (Estimated)
₹ 4,90,250
Total MDR₹ 8,262
GST (18%)₹ 1,488
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* Indicative rates only. Actual MDR provider, business category, volume tier, aur negotiation pe depend karti hai.

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Tier 2/3 city mein chhote business ko payment gateway chahiye kya?
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Payment gateway charge kitna lagta hai — chhote business ko affordable hai?
Standard MDR indicative range mein hota hai — UPI sabse kam (often 0%), cards typically 0.4-2.5% range mein. Setup fee mostly waive ho jaati hai negotiate karke. Bohot affordable hai chhote business ke liye bhi — extra sales se MDR cost easily recover ho jaata hai. (Exact rates provider aur business type pe depend karte hain.)
UPI vs Card vs Wallet — kis pe MDR kam hai?
UPI sabse cost-effective — small ticket transactions pe MDR typically zero ya nominal hota hai. Debit card medium MDR. Credit card highest. International cards aur premium cards mein additional MDR. ProWiderKart aapke business type ke hisaab se best combination suggest karta hai.
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EMI

Equated Monthly Installment — fixed monthly payment for loan repayment. Principal + interest ka combination.

CIBIL Score

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NBFC

Non-Banking Financial Company — RBI registered companies jo loans aur financial products deti hain.

DSA

Direct Selling Agent — financial products ke liye authorized referral partner.

MDR

Merchant Discount Rate — per-transaction fee. UPI 0%, debit card ~0.4-0.9%, credit card ~1.5-2.5%.

T+1 Settlement

Transaction date + 1 working day mein paisa bank account mein credit.

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