Marketplace UPI MDR Scenario Calculator
If you sell through a marketplace, who actually pays?
Compare three commercial scenarios for marketplace UPI sales. The calculator models the standard 0.4% merchant rate above ₹2,000, capped at ₹300 per transaction. Who bears a marketplace cost depends on the applicable category, acquiring arrangement and seller agreement.
Three illustrative commercial arrangements — not predictions of regulatory classification:
Platform is merchant of record
Marketplace absorbs MDR at aggregate scale. No direct seller deduction is assumed in this scenario.
₹ 0
monthly cost to you
Seller is merchant of record
MDR is deducted directly from settlement cycles, stacked on top of existing take rates.
₹ 0
monthly cost to you
Split via revised commission
Platform absorbs initial payment rail friction, then rolls it into contractual fee revisions.
₹ 0
monthly cost to you
If fully passed through, your effective platform fee moves from 0.00% to roughly 0.00%. Flag this in your next seller-agreement renewal before changes are finalized.
Underlying Economics & Tax Breakup
Chargeable order volume (above ₹2,000)
₹ 0
Chargeable orders, estimated
0
Base MDR pool (0.4%, capped ₹300)
₹ 0 / month
18% GST on MDR (Input Tax Credit eligible)
₹ 0 / month
Total Monthly Landed Cash Outflow
₹ 0 / month
Annualized gross exposure
₹ 0
Estimate only. Uses eligible sales value × share ÷ eligible AOV to estimate transaction count. Orders are modelled at one average value; mixed ticket sizes may produce different cap outcomes. GST is modelled at 18%; registration alone does not establish input-tax-credit eligibility. The registered setting assumes full eligible recovery, without modelling its timing. The three scenarios allocate costs commercially and do not determine merchant-of-record status. Not tax or legal advice.