Well thought out but who is going to drive that sentiment to the decision makers? 🙄
 I believe introducing charges on digital payment transactions would not be a positive step. Whether the charges are imposed directly on customers or on merchants, the cost is ultimately likely to be passed on to consumers through higher prices for goods and services. In the end, it is the customer who bears the financial burden.
Consumers are already contributing through various taxes, and adding an extra cost to digital transactions would make everyday payments more expensive. This could discourage people from using UPI and other digital payment methods, prompting many to return to cash transactions to avoid additional charges.
Digital payments have played a significant role in promoting financial inclusion, transparency, and convenience. Imposing transaction fees could undermine these benefits and slow the progress toward a cashless and digitally empowered economy.
For these reasons, I believe any proposal to introduce charges on digital payment transactions should be carefully reconsidered. Digital payments should remain affordable and easily accessible to encourage widespread adoption and continued growth of the digital economy.Sent from my iPhone  Dear Ved, Mister Kayne, and members, To look at this with an example, please correct me if I am wrong, but my understanding is that payments below ₹2,000 will not be charged. Furthermore, these charges may not apply to local stores at all. The fees will likely only affect transactions with larger, reputed brands. For instance, on a purchase of ₹10,000 from a major brand, a charge of 0.2% or 0.3% would amount to roughly ₹30 or ₹50. While this is not yet officially confirmed, there is a strong possibility that consumers won't have to bear this cost directly. Major brands generally have the financial infrastructure to absorb these expenses, meaning an extra ₹30 or ₹40 on a ₹10,000 purchase could easily be exempted or covered by the merchant. I would welcome any thoughts or clarifications on this from the group. Warm regards, Udit Pandey Phone & WhatsApp: +91 99909 55800 Email: [email protected]Instagram: udit.pandey123
![]() Warm regards, Udit Pandey
📱 Phone & WhatsApp: +91 99909 55800 📸 Instagram: udit.pandey123
🙏 Wishing you and your loved ones safety, peace, and strength. 🕊 Let us speak no evil, see no evil, and hear no evil. On Fri, Aug 7, 2026 at 9:11 AM 'Mister Kayne' via AccessIndia < [email protected]> wrote: Dear Bhawani and members,
Thank you for sharing this update. This news is quite concerning, especially for daily users who rely heavily on UPI for routine transactions like utility bills, transport, and grocery shopping.
Given how essential UPI has become for accessibility and independent living—particularly for persons with disabilities who depend on screen-reader-friendly applications like Google Pay—introducing charges will add a significant financial burden over time.
I wanted to ask the group: Is there a way we can collectively lobby for exceptions or policy exemptions? Specifically, can structured representations be made to bodies like the NPCI, RBI, or relevant ministries to exempt accessibility-focused use cases, micro-transactions, or essential utility payments from these proposed fees?
Would appreciate thoughts or guidance from members on how a formal advocacy effort or representation could be initiated on this.
Warm regards,
Mister Kayne
Author: The Somebody, Nobody, Anybody & Everybody Blog!
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-----Original Message-----
From: [email protected] <[email protected]> On Behalf Of BHAWANI SHANKAR VERMA
Sent: Friday, August 7, 2026 8:19 AM
To: [email protected]
Subject: [AI] UPI TRANSACTIONS WILL SHORTLY BECOME CHARGEBLE
Dear group,
Unified Payments Interface (UPI) transactions will shortly become chargeable pursuant to the recent amendment to the Payment and Settlement Systems Act, 2007. By virtue of this amendment, Parliament has conferred authority upon banks and other financial institutions to levy a nominal fee on UPI transactions.
The rationale underlying this legislative change is to ensure the sustainable maintenance and operation of UPI infrastructure by banks and payment service providers. At present, Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) transactions fall within the category of chargeable payment services, whereas UPI transactions had hitherto been exempted. The amendment seeks to harmonize the regulatory framework by bringing UPI transactions within the ambit of chargeable services, thereby aligning them with other established modes of electronic fund transfer.
this is for information only,
Bhawani
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