Eleven tools · no sign-up · instant results

Free tools for Indian payments & billing.

Calculate gateway economics and GST, create payment instructions, and test webhook security without sending your inputs to a tool API.

Tool directory

Choose a workflow

All nine tools are free to use.

01

MDR Optimizer · Split Pay

UPI Split-Payment Generator

Partition transactions above ₹2,000 into multi-chunk sub-intents with instant dynamic QRs to maintain 0% MDR under October 2026 guidelines.

  • Sub-₹2,000 auto partition
  • Dynamic client-side QRs
  • Multi-VPA bank rotation
  • One-click UPI intent links
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02

Regulatory · 2026 Mandate

0.4% UPI MDR Impact Calculator

Model the financial impact of the October 2026 0.4% UPI MDR rule, calculate net profit margin erosion, and compare flat-fee savings.

  • 0.4% MDR + 18% GST model
  • P2PM micro-exemption tier
  • Net profit erosion metric
  • Flat plan savings comparison
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03

Finance · Annual savings

UPI Fee Savings Calculator

Model ₹50,000 to ₹1 crore in monthly UPI volume and compare percentage fees, GST on fees, a flat plan, and the fee-only break-even point.

  • Monthly volume slider
  • 2% + 18% GST breakdown
  • Published Paytm UPI scenario
  • Annual and break-even results
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04

Payments · Mobile checkout

Custom UPI Deep Link Generator

Build an encoded upi://pay URI, preview an instant QR, copy the result, and test PhonePe, Paytm, Google Pay, and generic UPI launch links.

  • NPCI-style UPI parameters
  • Instant SVG QR preview
  • Four launch options
  • Syntax and amount checks
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05

Tax · Invoice math

GST Invoice Value Calculator

Add or extract GST at 5%, 12%, 18%, or 28%, with CGST and SGST splitting for intra-state supply or IGST for inter-state supply.

  • Inclusive and exclusive modes
  • Four standard rate presets
  • CGST + SGST split
  • SAC classification references
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06

Developer · Security

Webhook HMAC Generator

Generate and verify hexadecimal HMAC-SHA256 signatures over an exact raw payload or VyaparGateway's timestamp.rawBody signing input.

  • Web Crypto HMAC-SHA256
  • Generate and verify
  • Timestamped signing mode
  • Raw-body byte visibility
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07

QR · Multi-format

All-Purpose QR Generator

Generate downloadable QR codes for UPI, URLs, WhatsApp, Wi-Fi, vCards, email, phone numbers, SMS, and plain text.

  • UPI and eight other formats
  • SVG and PNG export
  • Custom colour controls
  • Local browser generation
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08

UPI · Syntax

UPI VPA Syntax Validator

Check whether a UPI Virtual Payment Address follows a conservative syntax pattern without transmitting it to a validation API.

  • Immediate syntax feedback
  • No account lookup claim
  • Local-only processing
  • Example VPA guidance
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09

Finance · Classic

Payment Gateway Fee Calculator

Use the compact gateway-cost route to compare platform fees and GST with VyaparGateway's flat monthly software plan.

  • Percentage-fee scenarios
  • GST-on-fee calculation
  • Monthly and annual totals
  • Custom contracted rate
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10

Developer · Classic

UPI Intent Link Generator

Open the compact intent-link route for encoded UPI payment links, QR preview, clipboard copy, and app-specific launch schemes.

  • upi://pay output
  • App-specific links
  • Live QR preview
  • No server calls
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11

Tax · Advanced

Advanced GST Calculator

Calculate GST with optional profit margin, shareable summaries, and local calculation history for repeated merchant quoting workflows.

  • Add or remove GST
  • Profit-margin option
  • Copy and WhatsApp summary
  • Local browser history
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Static-first architecture

Content loads before the calculator.

Every tool page is pre-rendered as searchable HTML. Only the calculator or generator hydrates as an interactive island when it becomes visible, keeping the page useful to visitors, crawlers, and no-JavaScript environments.

01

No tool API dependency

Core calculations, QR creation, URI encoding, and HMAC generation happen on the device.

02

Explicit limitations

Syntax checks do not claim account verification, and QR generation does not claim payment confirmation.

03

Source-linked assumptions

Fee and tax tools state their formula, date-sensitive source, and the point where merchant-specific advice is required.

Need payment orchestration?

Move from a generated instruction to a verified order.

Use a server-side API key, idempotent create-order request, signed webhook, and authenticated status reconciliation.

Read developer guide