Question 1

When do the new UPI MDR rules and charges take effect?

Accepted Answer

The new UPI merchant charges and 0.4% MDR rules officially come into effect starting October 15, 2026.

Question 2

Who is required to pay the 0.4% MDR charge?

Accepted Answer

The 0.4% MDR applies primarily to merchant transactions exceeding ₹2,000, with specific guidelines differentiating small vendors from large commercial merchants.

Question 3

Are capital market transactions impacted by the 2026 UPI updates?

Accepted Answer

Yes, capital market payments processed via UPI are subject to a specialized 0.02% MDR charge, impacting investors and brokers.

How will the new UPI merchant charges and 0.4% MDR rules effective October 15, 2026, impact digital transactions and everyday consumers?

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