{"name":"UPI Payment Link Cost Index India 2026","updatedAt":"2026-08-15","readDate":"15 Aug 2026","currency":"INR","rows":[{"id":"direct-upi-link","method":"Direct UPI intent link (upi://pay)","publishedCost":"₹0 MDR for person-to-merchant UPI","limit":"Up to ₹1 lakh for a normal UPI transaction; a bank or app may set a lower limit","confirmation":"Manual unless the business adds a separate provider callback","bestFor":"Booking deposits, advances and known customers paying during a conversation","tradeoff":"The link itself does not send a success webhook or reconcile a refund","sources":[{"label":"Ministry of Finance UPI charge clarification","url":"https://www.pib.gov.in/PressReleasePage.aspx?PRID=2122747&lang=1&reg=37","claim":"P2M UPI has zero MDR"},{"label":"NPCI UPI FAQ","url":"https://www.npci.org.in/what-we-do/upi/faqs","claim":"Normal UPI limit is up to ₹1 lakh per transaction"}]},{"id":"upi-qr","method":"UPI QR code","publishedCost":"₹0 MDR for person-to-merchant UPI","limit":"Up to ₹1 lakh for a normal UPI transaction; a bank or app may set a lower limit","confirmation":"Static QR is usually verified manually; provider-generated QR can add callbacks","bestFor":"Counters, desktop checkout and printed material","tradeoff":"A static QR does not identify the booking or confirm payment to business software","sources":[{"label":"Ministry of Finance UPI charge clarification","url":"https://www.pib.gov.in/PressReleasePage.aspx?PRID=2122747&lang=1&reg=37","claim":"P2M UPI has zero MDR"},{"label":"NPCI UPI FAQ","url":"https://www.npci.org.in/what-we-do/upi/faqs","claim":"Normal UPI limit is up to ₹1 lakh per transaction"}]},{"id":"razorpay-payment-link","method":"Razorpay Payment Link","publishedCost":"2% platform fee + 18% GST on standard pricing; credit card on UPI is 2.15% + GST","limit":"Provider, account and payment-method limits apply","confirmation":"Webhook events can confirm payment automatically","bestFor":"Hosted checkout, cards, netbanking and automatic booking confirmation","tradeoff":"The gateway fee buys confirmation and reconciliation that a direct link lacks","sources":[{"label":"Razorpay India pricing","url":"https://razorpay.com/pricing/","claim":"2% standard platform fee + 18% GST; credit card on UPI 2.15% + GST"},{"label":"Razorpay Payment Links documentation","url":"https://razorpay.com/docs/payments/payment-links/?preferred-country=IN","claim":"Payment Links work without a website and support webhook notifications"}]},{"id":"razorpay-route","method":"Razorpay Route split payment","publishedCost":"2 fee layers: gateway fee on the full payment + transfer fee on each transferred amount","limit":"The agreed Razorpay plan and linked-account eligibility apply","confirmation":"Transfer and settlement webhooks support automated reconciliation","bestFor":"Marketplaces and platforms splitting one payment across linked accounts","tradeoff":"Razorpay publishes the fee structure but says the actual rates depend on the agreed plan","sources":[{"label":"Razorpay Route fee FAQ","url":"https://razorpay.com/docs/payments/route/faqs/?preferred-country=IN","claim":"Route has a gateway fee and a transfer fee"},{"label":"Razorpay Route documentation","url":"https://razorpay.com/docs/payments/route/?preferred-country=IN","claim":"Route manages linked accounts, splits, settlements, refunds and reconciliation"}]},{"id":"dvaarik-payment-agent","method":"Dvaarik Payments Agent","publishedCost":"₹0 Dvaarik commission; voice from ₹2/min or chat ₹2 per 24-hour conversation","limit":"The chosen UPI or gateway rail sets the payment limit","confirmation":"Direct UPI uses UTR or screenshot verification; gateway mode uses a success webhook","bestFor":"Sending a deposit link during a call, WhatsApp chat, Instagram DM or booking flow","tradeoff":"Gateway charges still apply when the business chooses its own hosted gateway","sources":[{"label":"Dvaarik pricing","url":"https://www.dvaarik.com/pricing","claim":"Voice from ₹2/min and chat ₹2 per 24-hour conversation"},{"label":"Dvaarik payment collection","url":"https://www.dvaarik.com/features/payments","claim":"Direct UPI and gateway modes send money to the business without a Dvaarik commission"}]}]}