Payment gateway fee savings calculator
Estimate how much fee collection you lose to typical ~2.36% MDR + GST on card/UPI gateways — and what stays with direct UPI to your bank.
All free tools · 100% free · runs in your browser · no signup
Assumes ~2.36% all-in on gateway collections. Direct UPI/bank transfer has no MDR — only your bank's normal charges, if any.
- Gateway fees / month
- ₹3,540
- Gateway fees / year
- ₹42,480
- You could retain (annual)
- ₹42,480
On ₹18,00,000 annual collections via direct UPI instead of a paid gateway rail for the same volume.
About this free tool
Payment gateway charges in India can reduce every coaching-fee payment by MDR plus GST. Use this calculator to estimate the monthly and annual cost at a common 2.36% all-in rate, then compare it with direct UPI to your bank.
Frequently asked questions
- What is the 2.36% figure?
- It is a common all-in estimate for small merchants on card/UPI gateways (roughly 2% MDR plus GST). Your exact rate depends on your provider and volume.
- Is direct UPI always zero cost?
- Person-to-person or QR to your bank account typically has no MDR like a payment gateway. Check your bank’s terms for business accounts.
- What payment gateway charges should a coaching centre expect in India?
- Rates vary by provider and payment method. A common illustration is 2% MDR plus 18% GST on that fee, or 2.36% total. Confirm the actual rate in your provider agreement.
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