Zero-MDR UPI QR Splitter
Break a large payment into several sub-₹2,000 QR codes and collect the whole amount without losing a cut to MDR.
Why this works
From 15 October 2026, UPI merchant payments carry a 0.4% MDR — but only on transactions above ₹2,000, and then on the full amount rather than just the excess, capped at ₹300 per transaction. At or below ₹2,000 there is no MDR at all. RuPay debit and UPI Autopay mandates stay exempt, and so do merchants receiving under ₹1 lakh a month through UPI QR.
That threshold is per transaction, not per customer or per day. A ₹7,500 bill collected in one go sits above it and is charged on the whole ₹7,500, plus 18% GST on that fee. The same ₹7,500 collected as four QR codes of ₹1,999, ₹1,999, ₹1,999 and ₹1,503 stays under the line on every leg, and the full amount settles to you.
Work out what you are paying today with the MDR Calculator, then bring the amount here to see the split.
How to use it
- 1Enter the total amount you need to collect
- 2Leave the ceiling at ₹1,999, or set your own
- 3Add your UPI ID and business name
- 4Show each QR code to the customer in turn, or share the UPI links
- 5Use the reference note to reconcile the parts against one bill
Before you make this routine
Taking several separate payments from a customer is ordinary commercial practice, and nothing here bypasses any control in the payment system. Acquirer agreements differ, though, and some restrict deliberately structuring transactions to avoid fees. Check your own merchant agreement before relying on this day to day — and check first that the charge even applies to you, since RuPay debit, UPI Autopay mandates and merchants under ₹1 lakh a month on UPI QR are all exempt anyway.
Related tools
Frequently asked questions
UPI MDR applies only above ₹2,000 per transaction, and then to the full amount rather than just the excess. A ₹7,500 collection taken as one payment crosses that line and is charged on the whole ₹7,500, but taken as four QR codes of ₹2,000 or less, every transaction sits under the threshold and nothing is charged.
₹2,000 is the boundary itself. Setting the ceiling one rupee below it keeps every transaction clearly under the threshold rather than exactly on it, which avoids any argument about how a particular acquirer rounds or interprets the limit. You can change the figure if you prefer.
No. Every QR code is generated in your browser, and your UPI ID is saved only in your own device's local storage so it is there next time. Nothing about the payment reaches our servers.
Up to ₹2,000, no. From 15 October 2026, UPI merchant payments above ₹2,000 carry 0.4% MDR on the full transaction value, capped at ₹300. RuPay debit and UPI Autopay mandates stay exempt, and so do merchants receiving under ₹1 lakh a month through UPI QR — so check whether the charge applies to you before splitting anything.
Collecting several separate payments from a customer is ordinary commercial practice, and nothing here bypasses a payment system's controls. That said, acquirer agreements differ, and some prohibit deliberately structuring transactions to avoid fees. Check your own merchant agreement before making this a routine practice.