UPI Charges Unveiled: What You Need to Know, Buddy

Hey, my friends! So, starting October 15, 2026, the NPCI is tossing in a Merchant Discount Rate (MDR) for some UPI transactions. But don’t worry, UPI payments for us regular folks? Still free! If you spend over Rs 2,000, there’s a tiny charge of 0.4%, capped at Rs 300. Small vendors? They’re still in the clear! Keep chillin' and swiping!