UPI rules - WriteHubDaily

UPI MDR After Diwali: What Users and Merchants Check

November 10, 2026November 3, 2026 writehubdaily

UPI MDR after Diwali: 0.4 percent merchant fee capped at 300 rupees, P2P stays free

UPI MDR after Diwali is the question many shopkeepers and users are asking now that the festival is over. On October 13, 2026, NPCI said the Merchant Discount Rate (MDR) on select person-to-merchant (P2M) UPI payments would be implemented immediately after Diwali, on a date to be notified separately. Reports at that time said the fee structure itself had not changed. This guide explains what to check, what stays free, and how to be ready for the start date. For the full background, read our main explainer on the UPI…

UPI Transaction Charges New Rules 2026: What Changes From October 15?

September 16, 2026September 16, 2026 writehubdaily

UPI transaction charges 2026 are changing from October 15, 2026, with a new Merchant Discount Rate (MDR) framework for certain merchant payments. However, the new rules do not mean that customers will have to pay a new UPI transaction fee. Under the revised framework announced by the National Payments Corporation of India (NPCI), a 0.4% MDR will apply to specified person-to-merchant (P2M) UPI transactions above ₹2,000. The MDR is a charge within the merchant payment ecosystem and is not a direct customer fee. The new framework is scheduled to take…