{"id":5918,"date":"2026-10-02T08:33:30","date_gmt":"2026-10-02T03:33:30","guid":{"rendered":"https:\/\/www.keralaclick.com\/blog\/?p=5918"},"modified":"2026-10-02T08:35:08","modified_gmt":"2026-10-02T03:35:08","slug":"upi-charges-from-15-october-2026-new-mdr-rules-explained-who-pays-and-how-much","status":"publish","type":"post","link":"https:\/\/www.keralaclick.com\/blog\/upi-charges-from-15-october-2026-new-mdr-rules-explained-who-pays-and-how-much\/","title":{"rendered":"UPI Charges From 15 October 2026: New MDR Rules Explained &#8211; Who Pays and How Much?"},"content":{"rendered":"\n\n<h1 class=\"wp-block-heading\">Who Pays and How Much?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UPI transactions are not becoming chargeable for ordinary users.<\/strong> From <strong>15 October 2026<\/strong>, India is introducing a Merchant Discount Rate (MDR) on certain <strong>Person-to-Merchant (P2M) UPI transactions above \u20b92,000<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For most people paying through Google Pay, PhonePe, BHIM, Paytm or another UPI app, there is no transaction fee to pay. Person-to-person transfers also remain free irrespective of the amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The change primarily affects merchants accepting higher-value UPI payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The revised framework was announced by the Government of India in September 2026 and takes effect from <strong>15 October 2026<\/strong>. <a href=\"https:\/\/www.pib.gov.in\/PressReleseDetailm.aspx?PRID=2310586&amp;lang=2&amp;reg=48\" target=\"_blank\" rel=\"noopener\">Source: Ministry of Finance \/ PIB<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">UPI MDR Rules From 15 October 2026 &#8211; Quick Summary<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the simplest way to understand the new system:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Type of UPI transaction<\/th><th>MDR from 15 October 2026<\/th><\/tr><\/thead><tbody><tr><td>Person-to-Person (P2P) payment<\/td><td><strong>\u20b90<\/strong><\/td><\/tr><tr><td>Merchant payment up to \u20b92,000<\/td><td><strong>\u20b90<\/strong><\/td><\/tr><tr><td>Eligible P2PM small merchant<\/td><td><strong>\u20b90<\/strong><\/td><\/tr><tr><td>Regular P2M merchant payment above \u20b92,000<\/td><td><strong>0.40%<\/strong><\/td><\/tr><tr><td>Maximum MDR on regular transaction<\/td><td><strong>\u20b9300<\/strong><\/td><\/tr><tr><td>Selected essential \/ industry merchant categories<\/td><td><strong>\u20b95 per eligible transaction<\/strong><\/td><\/tr><tr><td>Capital-market transactions<\/td><td><strong>0.02%, capped at \u20b9300<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The government estimates that approximately <strong>96% of UPI merchant transactions will remain unaffected<\/strong> because they either fall below the \u20b92,000 threshold or qualify under the small-merchant zero-MDR framework.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is MDR?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">MDR stands for <strong>Merchant Discount Rate<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is essentially a payment-processing charge paid by a merchant for accepting certain digital payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose a customer purchases goods worth \u20b910,000 and pays through UPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u20b910,000 \u00d7 0.40% = \u20b940 MDR<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The \u20b940 is a merchant-side payment-processing cost. It is <strong>not a \u20b940 fee charged to the customer<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The government has also clarified that MDR is <strong>not a tax collected by the Government or NPCI<\/strong>. The money is distributed among participants in the payment ecosystem, including banks and payment service providers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Will Merchants Pay?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For regular merchant UPI transactions above \u20b92,000, the standard MDR is <strong>0.40% of the transaction value<\/strong>, subject to a maximum of <strong>\u20b9300 per transaction<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Customer pays<\/th><th>MDR<\/th><\/tr><\/thead><tbody><tr><td>\u20b91,000<\/td><td>\u20b90<\/td><\/tr><tr><td>\u20b92,000<\/td><td>\u20b90<\/td><\/tr><tr><td>\u20b93,000<\/td><td>\u20b912<\/td><\/tr><tr><td>\u20b95,000<\/td><td>\u20b920<\/td><\/tr><tr><td>\u20b910,000<\/td><td>\u20b940<\/td><\/tr><tr><td>\u20b925,000<\/td><td>\u20b9100<\/td><\/tr><tr><td>\u20b950,000<\/td><td>\u20b9200<\/td><\/tr><tr><td>\u20b975,000<\/td><td>\u20b9300<\/td><\/tr><tr><td>\u20b91,00,000<\/td><td>\u20b9300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The Department of Financial Services provides similar examples in its official FAQ. A \u20b93,000 payment attracts \u20b912 MDR, \u20b950,000 attracts \u20b9200, while transactions of \u20b975,000 and above reach the \u20b9300 ceiling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, the claim that <em>\u201call UPI transactions above \u20b92,000 will have a 0.4% charge\u201d<\/em> is incomplete.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are important exemptions and special categories.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Will Customers Have to Pay for UPI?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>No.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is probably the most important point for ordinary UPI users.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Department of Financial Services says consumers making UPI payments will continue to face <strong>zero transaction charges<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The government has also said that merchants should not pass the MDR directly to customers, and UPI application providers are prohibited from imposing a platform fee or hidden UPI transaction charge under this framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So if you scan a shop&#8217;s QR code and pay \u20b93,000, the new MDR does <strong>not<\/strong> mean \u20b912 should automatically be added to your bill.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The MDR is a merchant-side processing cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sending Money to Friends and Family Remains Free<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nothing changes for normal <strong>Person-to-Person (P2P)<\/strong> UPI transfers.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a friend<\/li>\n\n\n\n<li>your spouse<\/li>\n\n\n\n<li>parents or relatives<\/li>\n\n\n\n<li>another personal bank account<\/li>\n\n\n\n<li>someone while splitting a restaurant bill<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">There is <strong>no MDR<\/strong>, irrespective of whether the transfer is \u20b9500, \u20b95,000 or \u20b950,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The government specifically says P2P transactions remain free regardless of the amount transferred.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This distinction between <strong>P2P<\/strong> and <strong>P2M<\/strong> is crucial.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Small Merchants Get an Important Exemption<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most important details missing from many simplified reports about the new UPI charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Small merchants classified under the <strong>Person-to-Person-Merchant (P2PM)<\/strong> framework can continue receiving UPI payments at <strong>zero MDR<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the Department of Financial Services, eligible small merchants receiving up to <strong>\u20b91 lakh per month through UPI QR codes<\/strong> under the P2PM category remain protected by the zero-MDR framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even an individual transaction above \u20b92,000 does not automatically make an eligible P2PM merchant liable for MDR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The official FAQ states that MDR applicability depends on the merchant&#8217;s account classification. A payment above \u20b92,000 by itself does not remove the P2PM exemption.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is GST Registration Required for This Exemption?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Department of Financial Services says <strong>GST registration is not required<\/strong> to qualify for the P2PM zero-MDR protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eligibility is based on the merchant&#8217;s classification and applicable monthly collection threshold, rather than GST registration status.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens if a Small Merchant Crosses \u20b91 Lakh?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banks and payment service providers monitor merchants registered under the P2PM category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the government&#8217;s FAQ, merchants whose inward UPI payments exceed \u20b91 lakh per month <strong>for three consecutive months<\/strong> are transitioned to the P2M merchant category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That distinction matters far more than simply asking whether a single payment exceeds \u20b92,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Special \u20b95 MDR for Selected Merchant Categories<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Some sectors do not pay the normal 0.40% MDR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For specified essential or thin-margin categories, qualifying UPI transactions above \u20b92,000 attract a <strong>flat \u20b95 MDR per transaction<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The government&#8217;s announcement identifies sectors including <strong>railways, telecommunications, insurance, fuel and agricultural inputs<\/strong> for concessional treatment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SBI Payments has informed merchants that its selected MCC categories include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debt Collection<\/li>\n\n\n\n<li>Fuel<\/li>\n\n\n\n<li>Agriculture<\/li>\n\n\n\n<li>Railways<\/li>\n\n\n\n<li>Bill Payments<\/li>\n\n\n\n<li>Government<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Education<\/li>\n\n\n\n<li>Wallet Top-up<\/li>\n\n\n\n<li>Tolls &amp; Bridges<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For merchants in these designated categories, SBI Payments says the applicable charge for transactions above \u20b92,000 will be <strong>\u20b95 plus applicable taxes per transaction<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actual treatment depends on the merchant&#8217;s registered category or MCC. Businesses should verify their classification with their acquiring bank or payment provider rather than assuming that their business qualifies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Special Rule for Mutual Funds and Capital-Market Payments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Capital-market transactions have another MDR structure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Payments relating to <strong>mutual funds, securities, stockbrokers and securities dealers<\/strong> attract an MDR of:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>0.02% of transaction value, capped at \u20b9300.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is substantially below the standard 0.40% merchant rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About UPI AutoPay?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another useful exemption concerns recurring payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the Department of Financial Services FAQ, automated recurring payments made through <strong>UPI Mandates or AutoPay<\/strong> do not carry the prescribed MDR transaction charge under this framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can cover recurring arrangements such as utility bills, subscriptions and recurring investments when processed through the applicable mandate mechanism.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is There GST on UPI Transactions Now?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This needs careful wording because there is plenty of misleading information online.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is <strong>no GST simply because someone makes a UPI payment above \u20b92,000<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">GST can, however, apply to the <strong>MDR\/payment-processing service charged to the merchant<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A customer paying \u20b910,000 through UPI does <strong>not<\/strong> suddenly face GST on \u20b910,000 because UPI was used.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The relevant tax, where applicable, relates to the payment-processing charge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Is MDR Being Introduced?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UPI has become enormous.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NPCI statistics show that in <strong>August 2026<\/strong>, UPI processed approximately <strong>24.51 billion transactions worth \u20b929.82 lakh crore<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Operating a payment network at that scale involves substantial infrastructure, cybersecurity, fraud-prevention, banking and technology costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Department of Financial Services says industry estimates put the annual cost of maintaining UPI operations, server capacity, fraud prevention and bank technical support at approximately <strong>\u20b920,000 crore<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The stated policy objective is to move towards a more sustainable commercial model rather than relying indefinitely on government incentives alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A dedicated fund is also planned to support UPI adoption among small merchants, with an amount equivalent to <strong>5% of MDR collections<\/strong> earmarked for it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does This Mean the End of Free UPI?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not for consumers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is more accurate to say that India is moving away from <strong>universal zero-MDR merchant acceptance<\/strong> while retaining free UPI usage for consumers and protecting most low-value and qualifying small-merchant transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the government&#8217;s estimates, only about <strong>4% of merchant UPI transactions<\/strong> will attract MDR under the new structure, while approximately <strong>96% remain unaffected<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">From 15 October 2026, certain higher-value UPI merchant transactions will attract MDR payable within the merchant payment ecosystem. Ordinary consumers, P2P transfers, payments up to \u20b92,000 and eligible small merchants remain protected from the charge.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">What Should Businesses Do Before 15 October?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses accepting significant amounts through UPI should check their payment setup before the new rules take effect.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verify your merchant classification or MCC.<\/li>\n\n\n\n<li>Check whether your account is classified as P2M or P2PM.<\/li>\n\n\n\n<li>Review your acquiring bank or payment aggregator&#8217;s revised commercial terms.<\/li>\n\n\n\n<li>Check applicable taxes on MDR.<\/li>\n\n\n\n<li>Review settlement reports and accounting treatment.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Do not assume that every UPI receipt above \u20b92,000 will cost 0.40%. Equally, do not assume your business qualifies for the \u20b95 concessional rate simply because it operates in a broadly similar industry.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your actual merchant classification matters.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Will Google Pay, PhonePe or Other UPI Payments Be Charged After 15 October 2026?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consumers will not be charged MDR for making ordinary UPI payments. The new MDR applies within the merchant-payment ecosystem for eligible P2M transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is There a UPI Charge for Payments Above \u20b92,000?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not automatically. Regular eligible P2M merchant transactions above \u20b92,000 attract 0.40% MDR, but P2P transactions remain free, eligible P2PM small merchants remain exempt and certain merchant categories have special rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who Pays the 0.4% UPI Charge?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The MDR is a merchant-side payment-processing charge. The government says it should not be passed on to customers as an additional UPI charge.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Is the Maximum UPI MDR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For regular P2M transactions, MDR is capped at <strong>\u20b9300 per transaction<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will a \u20b91 Lakh UPI Payment Attract \u20b9400 MDR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Although 0.40% of \u20b91 lakh is \u20b9400, the MDR is capped at <strong>\u20b9300<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will a \u20b92,000 UPI Merchant Payment Attract MDR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Merchant transactions up to and including \u20b92,000 remain at zero MDR.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are Personal UPI Transfers Above \u20b92,000 Charged?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. P2P transfers remain free irrespective of the transaction amount, subject to normal transaction and security limits imposed by banks and NPCI.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are Small Shops Exempt?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Eligible merchants under the P2PM framework receiving up to \u20b91 lakh per month through UPI QR codes remain under zero MDR.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When Do the New UPI MDR Rules Start?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The revised framework takes effect on <strong>15 October 2026<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom Line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The UPI change taking effect on <strong>15 October 2026<\/strong> is significant, but it does <strong>not<\/strong> mean ordinary Indians must start paying to use UPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P2P transfers remain free. Payments to merchants up to \u20b92,000 remain free. Eligible P2PM small merchants remain protected by zero MDR. Regular qualifying merchant payments above \u20b92,000 attract 0.40% MDR, capped at \u20b9300, while specified sectors receive concessional rates.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For consumers, UPI continues to work largely as before.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For businesses handling higher-value UPI transactions, however, <strong>15 October marks a genuine change in payment-processing costs<\/strong>, making it important to check merchant classification, settlement statements and revised acquiring-bank terms before the new framework takes effect.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Last updated: 2 October 2026. Payment regulations and commercial terms can change. Businesses should verify their applicable merchant category and charges with their bank\/payment provider and refer to the latest Ministry of Finance, RBI and NPCI notifications.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Official Sources<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.pib.gov.in\/PressReleseDetailm.aspx?PRID=2310586&amp;lang=2&amp;reg=48\" target=\"_blank\" rel=\"noopener\">Ministry of Finance \/ PIB &#8211; UPI MDR announcement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financialservices.gov.in\/faqs-merchant-discount-rate-mdr-select-upi-p2m-transactions\" target=\"_blank\" rel=\"noopener\">Department of Financial Services &#8211; MDR FAQ<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.npci.org.in\/product\/upi\/product-statistics\" target=\"_blank\" rel=\"noopener\">NPCI &#8211; UPI Product Statistics<\/a><\/li>\n<\/ul>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[619],"tags":[5120,5121,5123,5122],"class_list":["post-5918","post","type-post","status-publish","format-standard","hentry","category-finance","tag-upi-charges-2026","tag-upi-mdr-charges","tag-upi-new-rules-october-2026","tag-upi-transaction-charges-above-2000"],"schema_package_jsonld":[{"@context":"https:\/\/schema.org","@type":"Article","@id":"https:\/\/www.keralaclick.com\/blog\/upi-charges-from-15-october-2026-new-mdr-rules-explained-who-pays-and-how-much\/#article","url":"https:\/\/www.keralaclick.com\/blog\/upi-charges-from-15-october-2026-new-mdr-rules-explained-who-pays-and-how-much\/","headline":"UPI Charges From 15 October 2026: New MDR Rules Explained &#8211; Who Pays and How Much?","description":"","datePublished":"2026-10-02T08:33:30+05:00","dateModified":"2026-10-02T08:35:08+05:00","wordCount":2276,"articleSection":["finance"],"keywords":["Finance"],"author":{"@type":"Person","name":"keralaclick","url":"https:\/\/www.keralaclick.com\/blog\/author\/keralaclick\/","image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/abbc8004e482d09f87e2745bae6cd4756557514e5394cf3d66acc5af7e2ba0f3?s=96&d=retro&r=g","height":96,"width":96},"sameAs":["http:\/\/www.keralaclick.com","https:\/\/www.facebook.com\/pages\/KeralaClickcom\/114073528235"]},"publisher":{"@type":"Organization","name":"Keralam","logo":"https:\/\/www.keralaclick.com\/blog\/wp-content\/uploads\/2013\/05\/cropped-bannerfeb06.png"},"image":{"@type":"ImageObject","url":"https:\/\/www.keralaclick.com\/blog\/wp-content\/uploads\/2014\/07\/cropped-IMG_3876-001.jpg","width":1260,"height":350,"@id":"https:\/\/www.keralaclick.com\/blog\/upi-charges-from-15-october-2026-new-mdr-rules-explained-who-pays-and-how-much\/#primaryimage"}},{"@context":"https:\/\/schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Keralam","item":"https:\/\/www.keralaclick.com\/blog"}]}],"_links":{"self":[{"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/posts\/5918","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/comments?post=5918"}],"version-history":[{"count":4,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/posts\/5918\/revisions"}],"predecessor-version":[{"id":5922,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/posts\/5918\/revisions\/5922"}],"wp:attachment":[{"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/media?parent=5918"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/categories?post=5918"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.keralaclick.com\/blog\/wp-json\/wp\/v2\/tags?post=5918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}