Will UPI Payments Get Costlier? New MDR Rule Explained | Vajiram and Ravi

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From 15 October 2026, a new 0.4% MDR on specified UPI merchant transactions above ₹2,000 is set to change the economics of India’s digital payment ecosystem. But there’s a catch: the charge is on the merchant, not the consumer.

This video explains UPI Charges, UPI MDR, Merchant Discount Rate, P2P vs P2M transactions, ₹2,000 threshold, ₹300 MDR cap, small merchants, essential services, capital market transactions and UPI AutoPay. It also looks at the bigger question: why introduce MDR now, and could UPI charges affect India’s digital economy, merchants, cash usage and financial inclusion?

00:00 UPI Charges Are Coming — But Who Pays?
01:05 0.4% MDR Above ₹2,000 Explained
02:15 P2P vs P2M: Who Gets Charged?
04:20 ₹300 Cap & Small Merchant Rules
11:25 Essential Services & Capital Market MDR
15:05 Why Is UPI MDR Being Introduced Now?
16:50 Could UPI Charges Hurt the Digital Economy?

#UPI #UPICharges #UPIMDR #MDR #NPCI #DigitalPayments #UPIPayments #UPIIndia #DigitalEconomy #FinancialInclusion #MerchantPayments #DigitalIndia #Fintech #IndianEconomy #UPSC #UPSC2027 #CurrentAffairs

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