{"id":396599,"date":"2026-09-19T09:30:43","date_gmt":"2026-09-19T04:00:43","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=396599"},"modified":"2026-09-18T18:42:27","modified_gmt":"2026-09-18T13:12:27","slug":"upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2026\/09\/19\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\/","title":{"rendered":"UPI MDR Explained: Will Customers Pay More for Digital Transactions?"},"content":{"rendered":"<p>Reports of &#8220;UPI charges&#8221; have sparked concern among users, but the latest notification makes one thing clear:<\/p>\n<p style=\"text-align: left; padding-left: 40px;\">UPI stays free for users. UPI transactions up to \u20b92,000 and RuPay debit card payments remain free of charge. From 15 October 2026, a 0.4% MDR (capped at \u20b9300) will apply only to certain merchant UPI payments above \u20b92,000. The charge is payable by eligible merchants, not customers, and small merchants remain exempt.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"UPI MDR Explained: Will Customers Pay More for Digital Transactions?\" width=\"563\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/NwSPS1Tu4iw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reports of &#8220;UPI charges&#8221; have sparked concern among users, but the latest notification makes one thing clear: UPI stays free for users. <\/p>\n","protected":false},"author":67011,"featured_media":396600,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90924,90923],"tags":[115072,115071,78099,115067,115068,49257,72153,115070,60447,115069,115066,85055,39075,115065],"class_list":["post-396599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-scc-times-newsflash","category-watch-now-2","tag-businessnews","tag-consumerawareness","tag-digitalindia","tag-digitalpayments","tag-financeministry","tag-legalnews","tag-legalupdate","tag-merchantpayments","tag-npci","tag-paymentsystems","tag-rupay","tag-scctimes","tag-upi","tag-upimdr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>UPI Remains Free for Users; MDR Applicable on Select Merchant Payments Above \u20b92,000 | SCC Times<\/title>\n<meta name=\"description\" content=\"The Ministry of Finance has clarified that UPI users will continue to make free transactions, while a 0.4% MDR will apply only to certain merchant payments above \u20b92,000 from 15 October 2026. Small merchants remain exempt, and customers cannot be charged.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2026\/09\/19\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI MDR Explained: Will Customers Pay More for Digital Transactions?\" \/>\n<meta property=\"og:description\" content=\"The Ministry of Finance has clarified that UPI users will continue to make free transactions, while a 0.4% MDR will apply only to certain merchant payments above \u20b92,000 from 15 October 2026. Small merchants remain exempt, and customers cannot be charged.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.scconline.com\/blog\/post\/2026\/09\/19\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\/\" \/>\n<meta property=\"og:site_name\" content=\"SCC Times\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/scc.online\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-19T04:00:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/09\/18_Sep_Blog_Cover.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"886\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Editor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"UPI MDR Explained: Will Customers Pay More for Digital Transactions?\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Editor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/\"},\"author\":{\"name\":\"Editor\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/84e42bab48238baf12c7e33b3d9761fe\"},\"headline\":\"UPI MDR Explained: Will Customers Pay More for Digital Transactions?\",\"datePublished\":\"2026-09-19T04:00:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/\"},\"wordCount\":84,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/18_Sep_Blog_Cover.jpg\",\"keywords\":[\"BusinessNews\",\"ConsumerAwareness\",\"DigitalIndia\",\"DigitalPayments\",\"FinanceMinistry\",\"LegalNews\",\"LegalUpdate\",\"MerchantPayments\",\"NPCI\",\"PaymentSystems\",\"RuPay\",\"scctimes\",\"UPI\",\"UPIMDR\"],\"articleSection\":[\"SCC Times Newsflash\",\"WATCH NOW\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/\",\"name\":\"UPI Remains Free for Users; MDR Applicable on Select Merchant Payments Above \u20b92,000 | SCC Times\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2026\\\/09\\\/19\\\/upi-mdr-rules-explained-upi-remains-free-for-users-merchant-payments-above-rs-2000\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/18_Sep_Blog_Cover.jpg\",\"datePublished\":\"2026-09-19T04:00:43+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/84e42bab48238baf12c7e33b3d9761fe\"},\"description\":\"The Ministry of Finance has clarified that UPI users will continue to make free transactions, while a 0.4% MDR will apply only to certain merchant payments above \u20b92,000 from 15 October 2026. 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