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    "@id": "https://niharikatimes.com/en/article/upi-and-rupay-debit-card-payments-up-to-rs-2-000-to-remain-free",
    "url": "https://niharikatimes.com/en/article/upi-and-rupay-debit-card-payments-up-to-rs-2-000-to-remain-free",
    "article_id": 8123,
    "headline": "UPI and RuPay Debit Card Payments Up to Rs 2,000 to Remain Free",
    "summary": "The Indian government has confirmed that UPI transactions and RuPay debit card payments up to Rs 2,000 will remain free of charges. This decision under the Payment and Settlement Systems Act, 2007, ensures no fees are imposed on small-value electronic payments to promote digital transaction adoption. Charges may apply only for transactions above this limit.",
    "articleBody": "The central government has confirmed that Unified Payments Interface (UPI) transactions and RuPay debit card payments up to Rs 2,000 will continue to be free of charge. This decision was announced under the powers granted by the Payment and Settlement Systems Act, 2007, ensuring no fees are imposed on these small-value electronic payments.\n\nIn exercise of the powers conferred by section 10 A of the Payment and Settlement Systems Act, 2007, the government specified that electronic modes of payment including debit cards powered by RuPay and UPI transactions up to Rs 2,000 shall not attract any charges. The government clarified that no bank or system provider shall impose, directly or indirectly, any fee on persons making or receiving payments through these modes.\n\nExperts have supported this move, emphasizing the importance of keeping small-value digital transactions free to encourage wider adoption. The government also stated that all person-to-person transactions will continue to be free of charge, reinforcing its commitment to promoting digital payments.\n\nCharges may apply only for transactions above a certain threshold and at a nominal rate, but payments up to Rs 2,000 remain exempt. This measure aims to facilitate ease of digital payments for everyday transactions without burdening users with additional costs.\nयह भी पढ़ें\nGovernment allows banks to charge on UPI payments above ₹2,000\nNPCI Consults Banks on Fees for Large UPI Transactions\nNew UPI Rule May Charge Transactions Above Rs 2,000\nPM Modi urges fintech sector to expand beyond payments globally",
    "word_count": 253,
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    "published_at": "2026-09-15T06:00:39+00:00",
    "updated_at": "2026-09-15T06:00:39+00:00",
    "language": "en",
    "authors": [
        {
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            "name": "निहारिका टाइम्स न्यूज़ डेस्क",
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    "key_takeaways": [
        "UPI transactions up to Rs 2,000 remain free of charge",
        "RuPay debit card payments up to Rs 2,000 incur no fees",
        "No bank or system provider can charge fees on small payments",
        "Person-to-person transactions continue free of any charges",
        "Fee exemptions guided by Payment and Settlement Systems Act, 2007"
    ],
    "faq": [
        {
            "question": "What law empowers the government to keep these payments free?",
            "answer": "The Payment and Settlement Systems Act, 2007, particularly section 10A, empowers the government to regulate fees on electronic payments."
        },
        {
            "question": "Why has the government decided to keep small-value transactions free?",
            "answer": "The government aims to encourage wider adoption of digital payments by removing cost barriers for everyday transactions."
        }
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            "value": "Rs 2,000",
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