{"id":27965,"date":"2026-09-30T19:04:35","date_gmt":"2026-09-30T13:34:35","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=27965"},"modified":"2026-09-30T19:04:35","modified_gmt":"2026-09-30T13:34:35","slug":"debit-card-fee-cap-high-ticket-payments","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/debit-card-fee-cap-high-ticket-payments\/","title":{"rendered":"Fee Caps on High-Ticket Debit Card Payments: Which Indian Payment Gateways Cap the Maximum Fee per Transaction"},"content":{"rendered":"<p>A jeweller closes a Rs 5 lakh sale on a debit card. A school collects a Rs 1.4 lakh term fee. A builder takes a booking amount on plastic. Then the settlement lands, and the net credit does not match the arithmetic anyone did in their head.<\/p>\n<p>The money question is blunt: if you take a debit card payment of Rs 1 lakh or more, is your fee really capped at Rs 1,000?<\/p>\n<p>The cap is real. But it covers only the MDR, the fee that flows to the issuing bank and the card network. It does not cover the platform fee your gateway charges on top. Merchants who assume &#8220;RBI capped it, so I am safe&#8221; are frequently wrong about their total deduction. Here is what is actually capped, when the cap starts to bite, and how to audit a single high-ticket transaction end to end.<\/p>\n<div style=\"border-left: 4px solid #007BFF; background: #f0f8ff; padding: 25px; margin: 30px 0; font-family: Arial, sans-serif; text-align: left;\">\n<h3 style=\"margin-top: 0; color: #007bff; font-size: 22px;\">Key Takeaways<\/h3>\n<ul style=\"margin: 15px 0; padding-left: 20px; color: #333; line-height: 1.6;\">\n<li>The RBI ceiling on non-RuPay debit MDR is 0.90% capped at Rs 1,000 per transaction for merchants with turnover above Rs 20 lakh, and 0.40% capped at Rs 200 for merchants with turnover at or below Rs 20 lakh.<\/li>\n<li>The cap applies to MDR only. Platform fees are commercial charges, not regulated ones, and carry no rupee ceiling.<\/li>\n<li>The Rs 1,000 cap only starts saving you money above roughly Rs 1,11,111 per transaction.<\/li>\n<li>RuPay debit carries zero MDR for merchant transactions regardless of ticket size.<\/li>\n<li>The cap is pre-tax. With 18% GST, the real maximum deduction on one capped transaction is Rs 1,180.<\/li>\n<li>From 15 October 2026, UPI P2M above Rs 75,000 is capped at Rs 300, cheaper than capped debit.<\/li>\n<\/ul>\n<\/div>\n<h2>What Is the RBI&#8217;s Fee Cap on Debit Card Payments, and How Much Is It?<\/h2>\n<p>The RBI caps non-RuPay debit card MDR at 0.90% of transaction value subject to a maximum of Rs 1,000 per transaction for merchants with turnover above Rs 20 lakh, and at 0.40% subject to a maximum of Rs 200 for merchants at or below Rs 20 lakh, under RBI circular DPSS.CO.PD No.1633\/02.14.003\/2017-18, effective 1 January 2018.<\/p>\n<table>\n<thead>\n<tr>\n<th>Merchant turnover in previous FY<\/th>\n<th>POS and online debit MDR<\/th>\n<th>QR-based card acceptance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Up to Rs 20 lakh<\/td>\n<td>0.40%, capped at Rs 200<\/td>\n<td>0.30%, capped at Rs 200<\/td>\n<\/tr>\n<tr>\n<td>Above Rs 20 lakh<\/td>\n<td>0.90%, capped at Rs 1,000<\/td>\n<td>0.80%, capped at Rs 1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Why the RBI introduced a rupee ceiling instead of a flat percentage<\/h3>\n<p>Before 2018, debit MDR ran at 0.75% for transactions up to Rs 2,000 and up to 1% above that, with percentage caps but no absolute rupee ceiling. The 2017 rationalisation replaced that with turnover-linked rates and hard rupee ceilings, a framework PwC documented across both merchant tiers and both acceptance channels. The ceiling is what makes a large sale financially predictable.<\/p>\n<h3>What counts as &#8220;high-ticket&#8221; under this cap in practice<\/h3>\n<p>High-ticket is a number, not a feeling. For a large merchant on 0.90%, it means any debit transaction above roughly Rs 1,11,000, because that is where the percentage would otherwise cross Rs 1,000. Below that value, only the percentage matters. The ceiling also covers card-not-present transactions, so online debit checkout sits inside the same framework as physical POS.<\/p>\n<blockquote><p><strong>[DID YOU KNOW]:<\/strong> The Rs 1,000 ceiling has been in force since 1 January 2018. Before it existed, debit MDR carried percentage caps of 0.75% to 1% with no absolute rupee maximum, so a genuinely large ticket could cost far more than it does today, per the original RBI circular.<\/p><\/blockquote>\n<h2>Which Turnover Tier Are You In: The Rs 200 Cap or the Rs 1,000 Cap?<\/h2>\n<p>Your cap depends on your previous financial year&#8217;s turnover. Up to Rs 20 lakh puts you in the Rs 200 and 0.40% tier. Above Rs 20 lakh puts you in the Rs 1,000 and 0.90% tier, per the same RBI framework. There is no third tier and no separate high-ticket tier.<\/p>\n<h3>How your payment aggregator verifies your turnover tier<\/h3>\n<p>Providers typically request prior financial year GST returns or audited financials during onboarding or periodic KYC refresh. Tier assignment usually happens at onboarding and then sits untouched in your merchant record. That is why merchants who have never checked can be sitting in the wrong tier years later, paying a percentage that no longer matches their scale.<\/p>\n<h3>What happens if your turnover crosses Rs 20 lakh mid-year<\/h3>\n<p>Tier classification is based on the previous financial year, so crossing the threshold mid-year does not reclassify you instantly. Flag the change to your aggregator in writing and keep supporting records ready.<\/p>\n<p>One distinction worth holding separately: Rs 20 lakh is the MDR cap tier threshold. Rs 50 crore is the different threshold that triggers mandatory acceptance of prescribed electronic payment modes under Section 269SU, now carried into Section 187 of the Income Tax Act 2025.<\/p>\n<h2>Why Your Gateway Bill Can Still Exceed the RBI Cap: MDR vs Platform Fee, Explained<\/h2>\n<p>The RBI ceiling applies only to the MDR, which is the fee paid to the card network and the issuing bank. Most Indian gateways separately charge a platform or technology fee, commonly around 2%, for checkout infrastructure, routing, dashboards, and reporting. That platform fee is a commercial charge, not a regulated one, so the Rs 1,000 ceiling does not bind it.<\/p>\n<p>The strongest evidence sits in the circular itself. It is addressed to scheduled commercial banks, co-operative banks, payments banks, small finance banks and card network providers. Those are the parties in the acquiring and issuing chain. A payment aggregator&#8217;s own technology fee is a different line item entirely.<\/p>\n<h3>What is included in &#8220;platform fee&#8221; and why it exists<\/h3>\n<p>The platform fee buys hosted checkout, plugins and SDKs, smart routing across acquirers, dashboard access, reconciliation tooling, and report generation. None of that is the fee charged on the payment instrument, which is exactly why the RBI ceiling does not reach it.<\/p>\n<p>This is not a scandal. It is a legitimate charge for real infrastructure. The problem arises only when it is blended into a single deduction line, and the merchant assumes the whole thing is regulated. Terminology compounds the confusion, because TDR, MDR, and platform fee are not interchangeable terms even though merchants use them as if they were.<\/p>\n<h3>How to read your settlement report to separate the two charges<\/h3>\n<ol>\n<li>Pull a settlement CSV for one high-ticket debit card transaction.<\/li>\n<li>Identify the card BIN to confirm whether the card was RuPay or non-RuPay.<\/li>\n<li>Recompute the expected MDR at the rate and ceiling applicable to your turnover tier.<\/li>\n<li>Compare the actual deduction line against your recomputed figure.<\/li>\n<li>Flag any gap to your provider in writing and request a fee-breakup invoice.<\/li>\n<\/ol>\n<p>Under the RBI&#8217;s 2025 Master Direction, a payment aggregator&#8217;s merchant agreement should disclose all applicable charges, including the merchant discount rate, set-up fees, and maintenance charges. Asking for the split is an entitlement, not a favour.<\/p>\n<blockquote><p><strong>[PRO-TIP]:<\/strong> Ask your gateway for a written split of MDR versus platform fee specifically on debit card volume, and ask explicitly whether the platform fee itself carries any rupee ceiling. Most providers will confirm in writing that only the MDR portion is capped. That written confirmation is what turns a suspicion into a negotiating position.<\/p><\/blockquote>\n<h2>The Break-Even Math: When Does the Rs 1,000 Cap Actually Start Saving You Money?<\/h2>\n<p>For large merchants on 0.90% capped at Rs 1,000, the cap only becomes relevant above a transaction value of approximately Rs 1,11,111. Below that, the percentage fee is lower than Rs 1,000, and the ceiling has no effect at all. For QR-based card acceptance at 0.80%, the crossover moves up to roughly Rs 1,25,000.<\/p>\n<h3>Break-even table by merchant tier and acceptance channel<\/h3>\n<table>\n<thead>\n<tr>\n<th>Merchant tier<\/th>\n<th>Rate<\/th>\n<th>Cap<\/th>\n<th>Break-even ticket value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Large merchant, POS \/ online<\/td>\n<td>0.90%<\/td>\n<td>Rs 1,000<\/td>\n<td>~Rs 1,11,111<\/td>\n<\/tr>\n<tr>\n<td>Large merchant, QR<\/td>\n<td>0.80%<\/td>\n<td>Rs 1,000<\/td>\n<td>~Rs 1,25,000<\/td>\n<\/tr>\n<tr>\n<td>Small merchant, POS<\/td>\n<td>0.40%<\/td>\n<td>Rs 200<\/td>\n<td>~Rs 50,000<\/td>\n<\/tr>\n<tr>\n<td>Small merchant, QR<\/td>\n<td>0.30%<\/td>\n<td>Rs 200<\/td>\n<td>~Rs 66,667<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The formula is a single division: break-even value equals cap divided by rate. These figures are arithmetic derivations from the published RBI ceilings, not third-party estimates.<\/p>\n<p>The same logic explains the UPI framework&#8217;s design. Rs 300 divided by 0.40% is exactly Rs 75,000, which is why the UPI cap threshold sits at that number rather than a rounder one.<\/p>\n<p>The practical correction this delivers: a Rs 1 lakh debit sale does not cost a large merchant Rs 1,000. It costs Rs 900, because 0.90% has not yet reached the ceiling.<\/p>\n<h2>Does the Fee Cap Change Across POS, Online Checkout, and QR-Based Card Payments?<\/h2>\n<p>Yes, in the percentage; no, in the ceiling. The Rs 1,000 maximum holds for large merchants across channels, but the underlying rate differs: 0.90% for physical POS and online card-not-present transactions, and 0.80% for QR-code-based card acceptance, under the same RBI framework.<\/p>\n<h3>Why QR-based card acceptance gets a lower rate<\/h3>\n<p>QR acceptance avoids terminal hardware, deployment, and maintenance overhead that a POS estate carries. Lower acquiring infrastructure cost maps to a lower permitted rate.<\/p>\n<h3>Where India&#8217;s acceptance infrastructure stands in 2026<\/h3>\n<p>PoS terminals grew from 45.2 lakh in May 2021 to 115.3 lakh in May 2026, while QR deployments expanded far faster. Channel choice is now a live cost lever, not a theoretical one.<\/p>\n<h2>RuPay vs Visa\/Mastercard Debit: Which Rail Costs Less on a High-Ticket Sale?<\/h2>\n<p>RuPay debit carries zero MDR for person-to-merchant transactions, making it the cheapest card rail at any ticket size. Non-RuPay debit remains subject to the 0.90% and Rs 1,000 or 0.40% and Rs 200 ceilings, per this PIB clarification, which confirms MDR has been zero on RuPay debit since January 2020.<\/p>\n<p>A gazette notification dated 14 September 2026 specifies RuPay-powered debit cards and UPI transactions up to Rs 2,000 as modes on which no direct or indirect charge may be imposed. Note the asymmetry: UPI&#8217;s protection carries a Rs 2,000 threshold. RuPay debit&#8217;s does not.<\/p>\n<h3>Why large merchants are already required to offer RuPay<\/h3>\n<p>Businesses with turnover above Rs 50 crore must provide prescribed electronic payment modes including RuPay debit and UPI, under Section 269SU. The cheapest high-ticket debit rail is already mandatory at the counter. The only question is whether you actively steer customers toward it.<\/p>\n<h3>What this means for a Rs 5 lakh single-ticket sale<\/h3>\n<p>A Rs 5 lakh payment on RuPay debit costs Rs 0 in MDR. The identical sale on a non-RuPay debit card costs the full Rs 1,000 capped MDR plus 18% GST, before any platform fee.<\/p>\n<h2>Worked Cost Comparison: What a Rs 1 Lakh, Rs 5 Lakh, and Rs 10 Lakh Debit Card Payment Actually Costs You<\/h2>\n<p>On a non-RuPay debit card, a Rs 1 lakh payment costs a large merchant Rs 900 in MDR, which sits below the ceiling. A Rs 5 lakh and a Rs 10 lakh payment both cost exactly Rs 1,000 in MDR, because 0.90% would otherwise exceed the cap. Add 18% GST on the fee in every case.<\/p>\n<table>\n<thead>\n<tr>\n<th>Transaction value<\/th>\n<th>Non-RuPay debit MDR<\/th>\n<th>GST at 18%<\/th>\n<th>Total MDR-related deduction<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rs 1 lakh<\/td>\n<td>Rs 900<\/td>\n<td>Rs 162<\/td>\n<td>Rs 1,062<\/td>\n<\/tr>\n<tr>\n<td>Rs 5 lakh<\/td>\n<td>Rs 1,000<\/td>\n<td>Rs 180<\/td>\n<td>Rs 1,180<\/td>\n<\/tr>\n<tr>\n<td>Rs 10 lakh<\/td>\n<td>Rs 1,000<\/td>\n<td>Rs 180<\/td>\n<td>Rs 1,180<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>The GST layer is not priced into the cap<\/h3>\n<p>The Rs 1,000 ceiling is pre-tax. GST at 18% applies to the fee, not the transaction value, so a GST-registered business holding a valid tax invoice can claim input tax credit on that amount. The real maximum cash deduction on one capped debit transaction is therefore Rs 1,180, settling back to Rs 1,000 net for a merchant who can recover the credit.<\/p>\n<h3>Comparison table: debit card vs credit card vs UPI on the same Rs 1 lakh sale<\/h3>\n<table>\n<thead>\n<tr>\n<th>Rail<\/th>\n<th>Rate structure<\/th>\n<th>Fee on Rs 1,00,000<\/th>\n<th>Post-GST deduction<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RuPay debit<\/td>\n<td>0% MDR<\/td>\n<td>Rs 0<\/td>\n<td>Rs 0<\/td>\n<\/tr>\n<tr>\n<td>Non-RuPay debit<\/td>\n<td>0.90%, capped at Rs 1,000<\/td>\n<td>Rs 900<\/td>\n<td>Rs 1,062<\/td>\n<\/tr>\n<tr>\n<td>UPI P2M (post-15 Oct 2026)<\/td>\n<td>0.40%, capped at Rs 300 above Rs 75,000<\/td>\n<td>Rs 300<\/td>\n<td>Rs 354<\/td>\n<\/tr>\n<tr>\n<td>Credit card<\/td>\n<td>~1.5% to 2.5%, no RBI cap<\/td>\n<td>Rs 1,500 to Rs 2,500<\/td>\n<td>Rs 1,770 to Rs 2,950<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These are MDR figures only. They exclude any platform fee your provider charges separately.<\/p>\n<blockquote><p><strong>DID YOU KNOW:<\/strong> A Rs 1 lakh payment costs roughly Rs 300 in fees under the new UPI MDR framework, versus up to Rs 900 at the debit card rate and Rs 1,500 to Rs 2,500 on credit cards, based on this comparison of the new regime.<\/p><\/blockquote>\n<h2>How Razorpay Applies the RBI&#8217;s Fee Cap for High-Ticket Debit Card Merchants<\/h2>\n<p>We apply the RBI-mandated MDR ceiling on eligible non-RuPay debit card transactions, process RuPay debit at zero MDR in line with the statutory position, and present the platform fee as a line separate from the regulated MDR, so you can see which portion is capped by regulation and which is commercial.<\/p>\n<h3>How the fee breakup appears on a Razorpay settlement report<\/h3>\n<p>The five-step audit above only works when MDR and platform fee are reported as distinct components. Our explainer on <a href=\"https:\/\/razorpay.com\/blog\/debit-card-mdr-in-payment-gateway-explained\/\">debit card MDR in payment gateway pricing<\/a> walks through how the interchange, network assessment, and gateway components stack, and why a zero-MDR instrument can still show a fee when a platform charge applies.<\/p>\n<h3>RBI Payment Aggregator licensing as a trust signal<\/h3>\n<p>Razorpay is an RBI-authorised Payment Aggregator. Under the 2025 Master Direction, a non-bank payment aggregator must demonstrate a minimum net worth of Rs 15 crore at application, rising to Rs 25 crore by the end of the third financial year from authorisation. Licensed status is what makes capped, compliant processing verifiable rather than merely promised.<\/p>\n<h3>New merchants can test high-ticket debit acceptance at zero platform cost<\/h3>\n<p>Our <a href=\"https:\/\/razorpay.com\/pricing\/\">90-day 0% platform fee Welcome Offer<\/a> waives the standard 2% platform fee on eligible domestic Payment Gateway transactions for new merchants activated on or after 1 July 2026, up to Rs 5,00,000 in cumulative GMV, whichever comes first. That is useful room for validating a first high-ticket debit cycle: a jewellery pre-order window, an admission cycle, or a booking sprint.<\/p>\n<p>The limits, stated plainly: standard MDR ceilings apply as usual; GST and the one-time Rs 199 KYC processing fee are not waived; prepaid cards, corporate credit cards, American Express, Diners Club, all EMI-based methods, and international transactions are excluded; one redemption per PAN or bank account.<\/p>\n<blockquote><p><strong>[PRO-TIP]:<\/strong> If your business processes occasional high-ticket debit sales alongside a majority of UPI or netbanking volume, ask for a fee breakup by payment method rather than judging your provider on a single blended rate. The debit card line is where cap compliance actually needs checking.<\/p><\/blockquote>\n<h2>UPI or Debit Card for High-Ticket Payments in 2026? What the New MDR Rules Change<\/h2>\n<p>From 15 October 2026, UPI P2M transactions above Rs 2,000 carry a 0.4% MDR, capped at Rs 300 for payments of Rs 75,000 and above. For most high-ticket sales that makes UPI cheaper than capped non-RuPay debit, at Rs 300 against up to Rs 1,000, based on the government&#8217;s official FAQ. Merchants cannot pass this MDR on to customers.<\/p>\n<h3>Why debit cards still matter despite the higher cap<\/h3>\n<p>Card-based EMI conversion has no UPI equivalent. Some buyers want a card statement record on a large purchase. Most decisively, <a href=\"https:\/\/razorpay.com\/blog\/upi-transaction-limit-per-day\/\">standard UPI daily limits sit around Rs 1 lakh for most users<\/a>, with Rs 5 lakh reserved for listed categories that do not include jewellery or property.<\/p>\n<h3>Practical routing logic for high-ticket merchants<\/h3>\n<p>Offer both rails and let ticket size plus customer preference decide. Above roughly Rs 1.11 lakh, both rails are capped, so the pre-GST gap freezes at Rs 700 and stops widening. Once the gap is fixed, optimising for conversion beats optimising for a few hundred rupees.<\/p>\n<h2>Getting the Full Benefit of India&#8217;s Fee Caps with Razorpay<\/h2>\n<p>High-ticket debit merchants should be able to verify, not assume, that they are paying the regulated ceiling and nothing more. Here is what supports that:<\/p>\n<table>\n<thead>\n<tr>\n<th>What you get<\/th>\n<th>Why it matters on a high-ticket debit sale<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>MDR reported separately from platform fee<\/td>\n<td>Makes the five-step settlement audit possible<\/td>\n<\/tr>\n<tr>\n<td>RBI-authorised Payment Aggregator status<\/td>\n<td>Compliance is verifiable, not asserted<\/td>\n<\/tr>\n<tr>\n<td>RuPay debit at zero MDR<\/td>\n<td>The cheapest card rail at any ticket size<\/td>\n<\/tr>\n<tr>\n<td>90-day 0% platform fee Welcome Offer<\/td>\n<td>Test a full high-ticket cycle before committing<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Who this matters most for<\/h3>\n<ul>\n<li>Jewellery and luxury retail closing large single-ticket sales.<\/li>\n<li>Real estate booking desks collecting token amounts.<\/li>\n<li>Educational institutions collecting term and admission fees.<\/li>\n<li>B2B sellers processing large one-off debit orders.<\/li>\n<\/ul>\n<h3>How to get started<\/h3>\n<p>Sign up, complete KYC, and Amount Credits apply automatically for new merchants activated on or after 1 July 2026. Review the full terms on <a href=\"https:\/\/razorpay.com\/pricing\/\">Razorpay pricing<\/a>, explore payment solutions, or contact sales.<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3><strong>Is the Rs 1,000 debit card fee cap the same for online and in-store payments?<\/strong><\/h3>\n<p>The rate differs slightly, at 0.90% for POS and online card-not-present versus 0.80% for QR-based card acceptance, but the Rs 1,000 ceiling for large merchants applies across all these channels under the same RBI framework.<\/p>\n<h3><strong>Is a Rs 1 lakh debit card payment actually capped at Rs 1,000?<\/strong><\/h3>\n<p>No. A large merchant pays 0.90% of Rs 1 lakh, which is Rs 900, because the percentage has not yet crossed the ceiling. The cap only begins to reduce your fee above roughly Rs 1,11,111 per transaction.<\/p>\n<h3><strong>Can a merchant split one high-ticket sale into two debit swipes to avoid the cap?<\/strong><\/h3>\n<p>The cap applies per transaction, so splitting technically keeps each MDR below the ceiling. In practice, aggregators discourage it because it complicates reconciliation and refund handling, and repeated splitting can trigger fraud-pattern review.<\/p>\n<h3><strong>Does the fee cap apply if a debit card transaction is converted to EMI?<\/strong><\/h3>\n<p>No. EMI conversions are treated as a separate payment instrument category with their own pricing, and the RBI&#8217;s debit card MDR ceiling does not extend to them. Check EMI pricing separately in your merchant agreement.<\/p>\n<h3><strong>Is GST charged on top of the Rs 1,000 debit card fee cap?<\/strong><\/h3>\n<p>Yes. The Rs 1,000 ceiling is pre-tax. With 18% GST applied to the fee rather than the sale value, the real maximum cash deduction on one capped transaction is Rs 1,180, which registered businesses can typically claim back as input tax credit.<\/p>\n<h3><strong>Is UPI now cheaper than debit cards for high-ticket payments after the October 2026 MDR change?<\/strong><\/h3>\n<p>For most transactions above Rs 75,000, yes. UPI&#8217;s capped fee of Rs 300 sits below the debit card ceiling of Rs 1,000. RuPay debit remains free at zero MDR regardless of ticket size, so it stays the cheapest card option.<\/p>\n<h3><strong>How do I confirm my payment gateway is applying the correct turnover-based cap?<\/strong><\/h3>\n<p>Request a written fee breakup showing MDR separately from the platform fee on your debit card settlement report, confirm your registered turnover tier with your aggregator, and recompute expected MDR against the Rs 200 or Rs 1,000 ceiling for one sample transaction.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A jeweller closes a Rs 5 lakh sale on a debit card. A school collects a Rs 1.4 lakh term fee. A builder takes a booking amount on plastic. Then the settlement lands, and the net credit does not match the arithmetic anyone did in their head. The money question is blunt: if you take<\/p>\n","protected":false},"author":180,"featured_media":27990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1141],"tags":[],"class_list":{"0":"post-27965","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-card"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/180"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=27965"}],"version-history":[{"count":5,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27965\/revisions"}],"predecessor-version":[{"id":27991,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27965\/revisions\/27991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/27990"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=27965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=27965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=27965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}