What will the new UPI fee cost your business?
Add your UPI payment exports and see the exact fee, split the way you run your business.
Check my UPI feeFree. No sign-up. Your files never leave your device.
Your files stay with you
Files are read inside your browser. Only column names and status labels reach our AI, never individual payments.
Any bank or app export
PhonePe files are recognised instantly. Paytm, bank and card-machine reports are matched by AI, and you confirm the columns.
A report you can use
See the fee by segment and payment size, what drives it, and a yearly projection you can print or save as PDF.
Add your payment files
Group files into segments, such as "Shop" and "Online", or one per branch. Add CSV or Excel exports.
Check the columns
Your results
Questions
Who pays the fee?
The business receiving the payment. Customers do not pay it, and payments between people stay free.
Which payments are charged?
Payments to a business above ₹2,000 are charged 0.4%, up to ₹300 per payment. Payments of ₹2,000 or less are free. Railways, telecom, insurance, fuel and capital-market payments have different rates, which this calculator does not cover.
Is my data safe?
Your files are opened and calculated inside your own browser, and nothing is stored. To recognise an unfamiliar file layout, we send the AI only the column names, the kind of data in each column, and repeated labels such as "SUCCESS" or "UPI". Names, UPI IDs, reference numbers, dates and amounts are never sent.
Does GST apply to the fee?
This has not been confirmed, so results show the fee both with and without 18% GST.
Why is my fee higher than I expected?
The cap applies to each payment, not each customer. A customer paying ₹3 lakh in three payments of ₹1 lakh is charged ₹900, not ₹300. Businesses with many large payments pay the most.
Which files work?
Any CSV or Excel export with one row per payment: PhonePe, Paytm, bank settlement reports, card-machine reports and similar. If a file mixes UPI with card payments, only the UPI payments are counted.