The ocean has its own neon lights.
This is called "sea sparkle."
It happens when millions of tiny, bioluminescent plankton get tossed around in the surf. Every time a wave crashes, it triggers a natural reaction that lights up the dark water in electric blue.
It’s not just 0.4% MDR.
It’s 0.4% MDR + 18% GST on the MDR = 0.472% total.
For a ₹2,000 transaction:
MDR = 0.4% of ₹2,000 = ₹8
GST = 18% of ₹8 = ₹1.44
Total charges = ₹9.44