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💳 FINTECH RECONCILIATION

Payment Gateway MDR Fee Calculator

Your contract says 2.0% MDR, but actual deductions creep to 2.6%–3.1% due to commercial card interchanges, international fee tiers, and GST. Calculate your annual fee drift below.

📊 Store Settlement Profile

Note: Kepler Ops scanner flags gateway transactions where fees exceed 2.5% (assuming a standard 2.0% baseline + 25% tolerance).
Monthly Fee Creep Variance
₹16,250
≈ ₹1,95,000 / year above contracted baseline
Contracted Cost
₹50,000
Actual Deducted
₹66,250
💡 Finance Tip: Reconciling gateway payout CSVs against order IDs allows you to identify corporate card interchange spikes and request custom tiered MDR pricing from your gateway account manager.
🔍 Reconcile Gateway Settlement CSV in 5s ➔

Audit Your Payment Gateway Settlement File

Upload your Razorpay, PayU, or Stripe settlement CSV into Kepler Ops. In 5 seconds, the engine compares every transaction fee against the 2.0% baseline and isolates overcharged orders.

Audit Gateway Settlement CSV (Free) ➔
🔒 No signup • Uploaded over HTTPS, scanned in ephemeral server memory • Not written to any database