UPI Charges Above ₹2,000: What the 0.4% MDR Means for You
UPI stays free for you. Here's what the new 0.4% MDR on merchant payments above ₹2,000 means, who pays it, and when it might start.
Software · Integrations · AI
KeyXplore designs, builds and connects the systems your teams rely on — custom apps, enterprise platforms, integrations and practical AI — and stays with you after launch.
What we do
Whether you need a new product, a system to replace the spreadsheets, or your existing tools to finally talk to each other.
Android, iOS and web applications designed around your users and your workflow — not a template.
Learn moreInternal platforms that replace spreadsheets and disconnected tools with one reliable system.
Learn moreConnect your apps, payment providers and data sources so information flows without re-typing.
Learn morePractical AI that removes repetitive work — document reading, smart search, assistants and workflow automation.
Learn moreBuilt by KeyXplore
Building and running our own apps keeps us honest about what good software takes: thoughtful design, privacy, reliability and support long after release.
Automatic expense tracker & money manager · Android
Cashbook AI reads your bank SMS and UPI alerts on your phone and records every expense for you — no typing. Split bills with friends, keep an udhaar khata and track vehicle fuel and mileage, all in one private app.
Fast, offline bird-survey logbook · Android
Canopy Survey is a field logbook for bird surveys, built for speed with a phone in one hand and binoculars in the other. Species codes, GPS, plots, export and backup — with your records staying on your device.
How we work
We map your process, users and constraints, and agree on what success looks like.
Flows, screens and architecture you can review before a line of production code is written.
Short iterations with working demos, so you see progress and can steer early.
Release, monitoring, documentation and ongoing improvements as your needs change.
Why KeyXplore
We start from the problem, not a product catalogue — and we'll tell you when something simpler will do.
Clean, documented code and a proper handover, so your software isn't a black box.
Access control, encryption and sensible data handling are part of the design, not an afterthought.
The people who design and build your software are the people who support it.
From the blog
UPI stays free for you. Here's what the new 0.4% MDR on merchant payments above ₹2,000 means, who pays it, and when it might start.
Salesforce says picklist, Centric says Enum, JD Edwards says UDC and SAP says value help. Here is how each one works, and the code-mapping catch that trips up integrations.
Writing down every UPI payment never lasts. Here are three ways to track your spending automatically, what to check before trusting an app with your SMS, and a 15-minute monthly money check.
Tell us about it. We'll come back with practical options, a rough timeline and an honest view of what it takes.