UPI QR Payments

What is 0% MDR on UPI payments?

MDR, or merchant discount rate, is the fee a merchant normally pays on card or gateway payments — a percentage taken from each transaction. UPI payments through a dynamic NPCI QR, as used by OpenBill Pro, carry 0% MDR, meaning no percentage is deducted and the shop keeps the full amount. There are also zero gateway fees, because the payment does not pass through a paid gateway. For a small shop with thin margins, this matters: a ₹1,000 sale stays ₹1,000, instead of losing a cut to a gateway on every transaction.