{
  "id": 575165,
  "title": "UPI MDR: What is being proposed, and who pays the final cost? Explained",
  "url": "https://urgent.news/2026/08/11/upi-mdr-what-is-being-proposed-and-who-pays-the-final-cost-explained",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-11T13:25:10.000Z",
  "source": {
    "name": "Times of India",
    "slug": "times-of-india",
    "url": "https://timesofindia.indiatimes.com/business/india-business/what-is-mdr-that-is-being-proposed-for-upi-transactions-who-pays-the-final-cost-explained/articleshow/133155789.cms"
  },
  "original_language": "en",
  "account": "The proposed Merchant Discount Rate (MDR) for UPI transactions in India would target a limited category of merchant payments, with an estimated rate of 0.25% to 0.4%. UPI transactions, which have been free until now, may see this fee imposed on specific merchant transactions, excluding routine purchases like groceries or vegetables.",
  "summary": "The government has clarified that UPI will continue to remain free for consumers and no transaction charges will be applicable to person-to-person payments. The government has also said that if an MDR is introduced in the future it will only be applicable to a limited category of merchant transactions.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}