The Hidden ₹42,000/Year UPI Tax Indian Restaurants Don't Know They Pay
Everyone thinks UPI is free. The MDR is zero, sure. But the settlement gap, manual reconciliation, failed-but-debited disputes, and refund friction silently cost the median Indian restaurant ₹42,000 a year. Here is the line-by-line math — and the four fixes (T+0 settlement, auto-reconciliation, merchant QR, smart payment routing) that recover ~80% of it.