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Understanding Debit Card MDR For Merchants: Debit Card MDR In Payment Gateway Explained

calendar_today July 8, 2026 person Sarang S babu domain razorpay

Merchant Discount Rate (MDR) is the percentage fee a merchant pays to accept a card payment. But headline MDR is the wrong number to optimise. What actually determines how much stays in your bank account is Total Cost of Ownership: MDR plus annual maintenance charges, setup fees, and the payment success rate of your gateway.

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