UPI MDR Rules 2026: New Charges, Limits and Exemptions

UPI MDR Rules 2026: New Merchant Charges Explained

UPI MDR applies from 15 October 2026 on eligible merchant payments above ₹2,000.

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Merchants will pay 0.4% MDR on qualifying UPI person-to-merchant transactions.

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MDR is capped at ₹300 for transactions of ₹75,000 or more.

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Person-to-person UPI transfers will remain free without MDR charges.

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UPI payments up to ₹2,000 and eligible small merchants remain under zero MDR rules.

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Customers will not pay MDR; banks must prevent passing the charge to users.

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https://ebizfiling.com/

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