About UPI Splitter & QR Code Generator
The discussion concerns merchant charges, not a new tax on ordinary UPI users. The new framework takes effect on 15 October 2026.
The Finance Ministry says personal transfers remain free, regardless of the amount. Customers making merchant payments will not pay the merchant discount rate (MDR).
Specified merchant payments above ₹2,000 will attract 0.4% [MDR], capped at ₹300. Payments up to ₹2,000 and eligible small merchants remain exempt.
By using this UPI Splitter, merchants and service providers can split any total amount (such as ₹5,600 or ₹4,500) into parts of up to ₹1,999 each. This ensures every individual transaction stays within the exempt ₹0 fee threshold while maintaining 100% in-browser privacy.
Step-by-Step Calculation Examples
Split ₹5,600 with ₹1,999 Max Limit
Scenario: Receiving ₹5,600 without merchant interchange fees.
- Total Amount: ₹5,600
- Split Limit: ₹1,999
Part 1: ₹1,999 + Part 2: ₹1,999 + Part 3: ₹1,602 = Total ₹5,600
How to Use the UPI Splitter & QR Code Generator
- Enter your UPI ID / VPA (e.g., name@upi or store@okhdfcbank) and Account Holder Name.
- Enter the total amount you want to collect (e.g., ₹5,600 or ₹4,500).
- Choose your split limit per QR (default ₹1,999 to avoid merchant interchange fees).
- Scan or share the generated QR codes sequentially to collect the full payment seamlessly.
Common Real-World Use Cases
Retail & Merchant Zero-Fee Payments
Small shops and retailers split invoices > ₹2,000 into sub-₹2,000 QR codes to avoid gateway interchange deductions.
Freelancers & Service Providers
Freelancers split client project milestones into clean, quick-scanning UPI payment links.
Event Hosts & Group Bill Splitting
Split group expenses and event ticket fees across individual payment codes seamlessly.
Key Features & Capabilities
- Collect the full amount with ₹0 fees — Avoid UPI MDR charges on transactions over ₹2,000.
- 100% Client-Side Privacy — Payment details and amounts never leave your browser.
- Live Payment Progress Tracker — Mark individual QR codes as paid in real-time as payments arrive.
- One-Click Mobile Deep Links — Open GPay, PhonePe, Paytm, or BHIM directly on mobile.
- Printable Payment Slips & Batch Downloads — Export all split QR codes or print a clean payment sheet.
- One-Click WhatsApp & SMS Share — Share ready-to-pay formatted payment breakdowns with ease.
Technical Architecture & Privacy
UPI Splitter & QR Code Generator is engineered with a focus on performance, mathematical accuracy, and maximum user privacy. Operating entirely in-browser on the client side, all processing takes place locally within your browser's JavaScript engine. None of your financial numbers, text entries, or private inputs are ever transmitted to or stored on remote servers.