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Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Reduce payment acceptance costs by checking the charges your provider actually applies, confirming your merchant category and eligibility, and comparing the full service package—not by making UPI less attractive to customers. Zero MDR does not automatically prove that every part of a merchant’s payment setup is free, and the Ministry of Finance says merchants should not pass MDR to customers as a UPI surcharge.
Start by separating MDR from provider fees
MDR, or merchant discount rate, is a merchant-side charge within the payment ecosystem. It is not the same thing as every fee a payment aggregator or gateway might specify in its contract. RBI guidance requires payment providers to disclose merchant pricing and policies, so review the actual schedule and terms for your account rather than assuming that a zero-MDR policy makes the entire setup cost-free. RBI guidance on payment aggregator and gateway requirements.
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Ask your provider to identify the UPI-specific price and any other applicable charges in writing. The official guidance supports transparent disclosure; it does not establish a universal fee or show which provider is cheapest.
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Know which policy rules apply to your transactions
The Ministry of Finance’s statement dated 15 September 2026 describes a framework in which P2P UPI transfers remain free, P2M payments up to ₹2,000 remain free of MDR, and qualifying small merchants receiving up to ₹1 lakh per month through UPI QR under the P2PM category continue to have zero MDR. The statement also describes MDR for specified transactions above ₹2,000. It does not state an effective date, so confirm applicability with your acquiring bank or provider before using these figures to forecast costs. Ministry of Finance statement on the MDR framework, 15 September 2026.
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The same statement describes these rates for specified categories; they are the Ministry’s description of the framework, not an independent measurement:
| Transaction described | MDR described by the Ministry | Qualification |
|---|---|---|
| Specified P2M transactions above ₹2,000 | 0.4% | Capped at ₹300 for transactions of ₹75,000 and above. |
| Specified transactions above ₹2,000 in named essential sectors | Flat ₹5 | Applies to the sectors named in the Ministry’s statement. |
| Specified capital-market transactions | 0.02% | Capped at ₹300. |
| Qualifying small merchants receiving QR payments under P2PM | Zero MDR | For merchants receiving up to ₹1 lakh per month through UPI QR, as described in the statement. |
The Ministry said about 96% of merchant transactions were expected to remain unaffected under the described framework. That is the Ministry’s expectation, not a measured result. Its release states: “MDR is neither a tax nor a charge collected by the Government or NPCI.”
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Confirm your category and eligibility
Do not assume a threshold exemption applies to every business. The stated protection for small merchants is tied to the P2PM category, QR receipts, and the monthly threshold. Ask your acquiring bank or payment provider how it classifies your account, what receipts count toward the threshold, and how it will treat transactions that do not qualify. Keep the response and the applicable category information with your payment records.
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Compare providers on the complete offer
Compare providers using the same transaction mix and the terms that apply to your business. Request a written, UPI-specific fee schedule and check:
- UPI charges and any onboarding or recurring fees.
- Settlement timing, conditions, and reconciliation details.
- Refund and dispute processes, including any associated charges.
- Complaint handling, support availability, and response channels.
- Eligibility requirements or pricing conditions tied to business type, category, or transaction volume.
RBI guidance requires provider disclosure of merchant pricing and policies and addresses dispute resolution and grievance handling. It does not rank providers or establish which one offers the lowest cost. Compare service and acceptance quality as well as price: delayed settlement, failed payments, or difficult complaint handling may matter to your business even when a quoted fee is lower.
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- TWO WAYS TO ACCESS PAYMENT: Customers can tap the NFC-enabled area with a compatible smartphone or scan the QR code to quickly open your Paypal payment page.
- EASY ONLINE ACTIVATION: Tap or scan the stand, register or sign in, and enter your Paypal payment link. The NFC tap and QR code then direct customers to the same destination. No QRLynk app or recurring subscription is required.
- CLEAR, COMPACT DISPLAY: The 5.1 x 3.5-inch main display area includes easy-to-follow tap-and-scan instructions while using minimal countertop space.
- VERSATILE COUNTERTOP PLACEMENT: Ideal for checkout counters, front desks, market booths, salon stations, reception areas, service counters, and point-of-sale locations.
- CLEAN INTEGRATED STAND DESIGN: Features rounded corners, a slim upright panel, and a stable bent base for a professional countertop presentation.
Keep UPI easy to choose
For in-person sales, display your merchant QR code clearly and provide a straightforward way to confirm that a payment succeeded. The Ministry’s statement identifies QR payments as a route for the qualifying small-merchant category; it does not endorse a particular display accessory. Keep payment instructions neutral and avoid a UPI-specific surcharge: the Ministry says MDR is a merchant-side ecosystem charge and that banks have been advised to ensure it is not passed on to customers.
Treat older incentives and tax statements carefully
The Ministry’s 19 March 2025 release described a Cabinet-approved incentive scheme for FY 2024-25: eligible small-merchant BHIM-UPI P2M transactions up to ₹2,000 had a stated incentive rate of 0.15%. That is a time-bound scheme for that financial year, not evidence that the incentive continues now. The same release described zero MDR for RuPay debit cards and BHIM-UPI beginning in January 2020 under the relevant amendments; those historical descriptions should not replace the later Ministry statement. Ministry of Finance release on the FY 2024-25 BHIM-UPI incentive, 19 March 2025.
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In April 2025, the Ministry said reports of a proposed GST on UPI transactions above ₹2,000 were false and without basis at that time. It explained that GST can apply to charges such as MDR, and that no GST applied to UPI transactions while no MDR was charged. That statement does not establish the tax treatment of every later merchant fee. Distinguish a tax on a payment charge from a tax on the payment itself, and check current authoritative tax guidance for your situation. Ministry of Finance clarification on GST reports, April 2025.
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