Hi all, Consumers aren't going to face any charges. I recommend that you always read the primary sources/documents before drawing any conclusions. Please do not get your information from social media, more specifically, the unverified roomers.
On Fri, Aug 7, 2026 at 4:18 PM bikramjyoti das <[email protected]> wrote: > Hi All, > Consumers will not be charged. Only Merchants will have to give MDR > (Merchant Discount Rate) similar to Credit and Debit Cards for bill/ > transaction amount greater than Rs 2000/-. This is to safeguard the > interest of myriad of small value transaction merchants. The rational for > introducing the MDR in UPI transactions is to give some financial benefit > to the payment facilitating cos so that they receive some amount on the > huge tech infrastructure they have to maintain to service the hasslefree > payment system. > > Regards, > Bikram Das > > On Fri, Aug 7, 2026 at 3:25 PM 'Mister Kayne' via AccessIndia < > [email protected]> wrote: > >> Well thought out but who is going to drive that sentiment to the decision >> makers? 🙄 >> >> >> >> Warm regards, >> >> Mister Kayne <https://www.blogger.com/profile/04580049257592982490> >> >> Author: The Somebody, Nobody, Anybody & Everybody Blog! >> <https://www.mister-kayne.com/> >> >> SHOW LOVE >> <https://www.mister-kayne.com/p/be-awesome-show-your-love-for-somebody.html> >> | SHOP LOVE >> <https://www.amazon.in/?&linkCode=sl2&tag=misterkayne-21&linkId=551b8e93e78c38c5ed1d03fe84332eb1&ref_=as_li_ss_tl> >> | Contact Me <[email protected]> >> >> Sent from iPhone ® >> >> >> >> On 7 Aug 2026, at 11:00 AM, Maruti Paramwad <[email protected]> wrote: >> >> >> >> 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 >> >> On 7 Aug 2026, at 9:30 AM, UDIT Pandey <[email protected]> wrote: >> >> >> 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 >> 📧 Email: [email protected] >> 📸 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! >>> SHOW LOVE | SHOP LOVE | Contact Me >>> >>> >>> -----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 >>> >>> >>> -- >>> Disclaimer: >>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >>> the person sending the mail and AI in no way relates itself to its veracity; >>> >>> 2. AI cannot be held liable for any commission/omission based on the >>> mails sent through this mailing list.. >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/[email protected]/ >>> --- >>> You received this message because you are subscribed to the Google >>> Groups "AccessIndia" group. >>> To unsubscribe from this group and stop receiving emails from it, send >>> an email to [email protected]. >>> To view this discussion visit >>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/281fd0d6-94f2-4837-a5fa-62e4f03b5af2%40gmail.com >>> . >>> >>> -- >>> Disclaimer: >>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >>> the person sending the mail and AI in no way relates itself to its veracity; >>> >>> 2. AI cannot be held liable for any commission/omission based on the >>> mails sent through this mailing list.. >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/[email protected]/ >>> --- >>> You received this message because you are subscribed to the Google >>> Groups "AccessIndia" group. >>> To unsubscribe from this group and stop receiving emails from it, send >>> an email to [email protected]. >>> To view this discussion visit >>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/009501dd261e%24a6887ce0%24f39976a0%24%40mister-kayne.com >>> . >>> >> -- >> Disclaimer: >> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >> the person sending the mail and AI in no way relates itself to its veracity; >> >> 2. AI cannot be held liable for any commission/omission based on the >> mails sent through this mailing list.. >> >> >> Search for old postings at: >> http://www.mail-archive.com/[email protected]/ >> --- >> You received this message because you are subscribed to the Google Groups >> "AccessIndia" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> To view this discussion visit >> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAJZg8ffPg%3D6kTp%3DLfXjPRAq%2Be0RdL29b0tYoJjOXztW5nHHZOg%40mail.gmail.com >> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAJZg8ffPg%3D6kTp%3DLfXjPRAq%2Be0RdL29b0tYoJjOXztW5nHHZOg%40mail.gmail.com?utm_medium=email&utm_source=footer> >> . >> >> -- >> Disclaimer: >> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >> the person sending the mail and AI in no way relates itself to its veracity; >> >> 2. AI cannot be held liable for any commission/omission based on the >> mails sent through this mailing list.. >> >> >> Search for old postings at: >> http://www.mail-archive.com/[email protected]/ >> --- >> You received this message because you are subscribed to the Google Groups >> "AccessIndia" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> To view this discussion visit >> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/AA36A9A9-A6F5-4746-B60B-B5925EB6EC3E%40gmail.com >> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/AA36A9A9-A6F5-4746-B60B-B5925EB6EC3E%40gmail.com?utm_medium=email&utm_source=footer> >> . >> >> -- >> Disclaimer: >> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >> the person sending the mail and AI in no way relates itself to its veracity; >> >> 2. AI cannot be held liable for any commission/omission based on the >> mails sent through this mailing list.. >> >> >> Search for old postings at: >> http://www.mail-archive.com/[email protected]/ >> --- >> You received this message because you are subscribed to the Google Groups >> "AccessIndia" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> To view this discussion visit >> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/C6B690F3-2261-44B0-9AF4-85E0A94C75C1%40mister-kayne.com >> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/C6B690F3-2261-44B0-9AF4-85E0A94C75C1%40mister-kayne.com?utm_medium=email&utm_source=footer> >> . >> > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAB3%3DQY_mtwuON4kK5KdZ%2BpUV2UsZ3gwy%3Daf_Fa9O9uiJM8hJvw%40mail.gmail.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAB3%3DQY_mtwuON4kK5KdZ%2BpUV2UsZ3gwy%3Daf_Fa9O9uiJM8hJvw%40mail.gmail.com?utm_medium=email&utm_source=footer> > . > -- Thanks/regards: Vaibhav Bhandari -- Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list.. Search for old postings at: http://www.mail-archive.com/[email protected]/ --- You received this message because you are subscribed to the Google Groups "AccessIndia" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion visit https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CADDLUp0anqxLzM22h79r-XZLyFwgomPv3Xt0YSQNQ7H4c-iUTg%40mail.gmail.com.
