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    "@id": "https://niharikatimes.com/en/article/upi-remains-free-for-person-to-person-payments-mdr-charged-on-merchants",
    "url": "https://niharikatimes.com/en/article/upi-remains-free-for-person-to-person-payments-mdr-charged-on-merchants",
    "article_id": 8313,
    "headline": "UPI Remains Free for Person-to-Person Payments, MDR Charged on Merchants",
    "summary": "UPI will remain free for person-to-person payments, while a 0.4% merchant discount rate (MDR) will be applied to merchant transactions above ₹2,000. The MDR aims to regulate charges on merchant payments without affecting small transactions or individual users. This measure is intended to balance interests between payment providers and merchants and promote digital payment use.",
    "articleBody": "Unified Payments Interface (UPI) will continue to be free for person-to-person payments, while a 0.4% merchant discount rate (MDR) will apply to merchant transactions exceeding ₹2,000. An expert explained the new charges and their impact on digital payments.\n\nThe expert clarified that individual users will not be charged for UPI transactions made to other persons. However, merchants processing payments above ₹2,000 through UPI will be subject to a 0.4% MDR. This move aims to regulate charges on merchant payments while keeping person-to-person transactions free.\n\nThe expert also mentioned that the MDR will apply only to transactions exceeding ₹2,000, ensuring small payments remain unaffected. This step is expected to balance the interests of payment service providers and merchants, while encouraging digital payment adoption among consumers.\nयह भी पढ़ें\nNew UPI Rule May Charge Transactions Above Rs 2,000\nNPCI Consults Banks on Fees for Large UPI Transactions\nAshneer Grover Says India May Return to Cash Economy Over UPI Charges\nUPI and RuPay Debit Card Payments Up to Rs 2,000 to Remain Free",
    "word_count": 181,
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    "published_at": "2026-09-15T13:30:41+00:00",
    "updated_at": "2026-09-15T13:30:41+00:00",
    "language": "en",
    "authors": [
        {
            "@type": "Person",
            "name": "निहारिका टाइम्स न्यूज़ डेस्क",
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        "UPI free for person-to-person payments",
        "0.4% MDR on merchant transactions above ₹2,000",
        "MDR applies only on transactions exceeding ₹2,000",
        "Small payments remain unaffected by MDR",
        "MDR balances interests of providers and merchants"
    ],
    "faq": [
        {
            "question": "Will individual users pay for UPI transactions?",
            "answer": "No, individuals making UPI transactions to other persons will not incur any charges."
        },
        {
            "question": "Why is MDR introduced for merchant payments?",
            "answer": "The MDR is introduced to regulate charges on merchant payments and support payment service providers."
        }
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            "value": "0.4%",
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