Before you enter your UPI PIN, check the payment app’s confirmation screen for the recipient, funding source, total amount and any separately listed fee. Then compare a displayed charge with the app or bank’s current fee terms and the merchant’s written terms or receipt. A merchant-side MDR is not the same as a fee charged to you.
Check the payment before authorizing it
- Identify the payment type. Is it person-to-person (P2P), or are you paying a merchant (P2M)? The applicable rules can differ.
- Check the funding source. Note whether the payment uses a bank account, an eligible prepaid payment instrument (PPI) or wallet, or another source. Select the intended source before reviewing fees.
- Check the amount and merchant category. For a merchant payment, note the amount and whether the business falls into a category with a specific MDR rule. Small-merchant eligibility can also matter.
- Review the confirmation screen. Before entering your UPI PIN, verify the recipient details, total payable and any separately stated charge. If the final amount is more than the amount you agreed to pay, do not authorize the payment.
- Verify any charge. Compare it with the payment app or bank’s current fee schedule and the merchant’s written terms or receipt. Ask the merchant to identify the charge in writing and clarify whether it is part of the product or service price, or a payment surcharge.
Keep the transaction details and any written explanation. A label such as “UPI charge” does not by itself establish that the fee is a customer charge: the official framework distinguishes merchant-side MDR from charges to customers.
What the announced MDR rules mean on 7 October 2026
The Ministry of Finance announced a revised MDR framework on 15 September 2026. It is scheduled to take effect on 15 October 2026, so it is not yet in force as of 7 October 2026. The Ministry’s announcement says P2P UPI remains free regardless of amount, and P2M transactions up to ₹2,000 remain free of MDR. Qualifying small merchants receiving up to ₹1 lakh per month through UPI QR under P2PM also remain at zero MDR. Ministry of Finance announcement on PIB; Ministry details of the announced framework; HDFC Bank’s UPI charges explainer.
For qualifying P2M payments above ₹2,000, the announced framework specifies the following merchant-side MDR rates:
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
| Payment category | Announced MDR treatment |
|---|---|
| Specified P2M transactions above ₹2,000 | 0.4%, capped at ₹300 for transactions of ₹75,000 and above |
| Qualifying payments above ₹2,000 in railways, telecom, insurance, fuel and agricultural inputs | Flat ₹5 |
| Capital-market payments | 0.02%, capped at ₹300 |
These are MDR rules within the merchant payment ecosystem, not a customer fee schedule. The Ministry says MDR is not a charge on customers and says banks have been advised to ensure merchants do not pass it on. It also says UPI applications may not impose platform fees or hidden charges under the announced framework. Check whether the effective date has passed and whether provider terms have changed before relying on these upcoming rules for a later payment.
Why the funding source and merchant terms still matter
For PPI-based merchant payments, HDFC describes certain interchange fees as ecosystem fees rather than customer charges, and NPCI’s FAQ says customers do not pay charges for PPI-on-UPI transactions. That does not establish identical pricing for every wallet, account product, biller or ancillary service. Check the selected funding source’s actual terms. NPCI’s UPI FAQ.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Merchant terms can also describe charges on the merchant side. India Post Payments Bank, for example, permits merchant service charges in its merchant terms and lists 0% UPI MDR in its merchant table. This is an example of one provider’s merchant pricing, not a universal tariff for all businesses. IPPB merchant terms and conditions.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to resolve a fee you do not recognize
- Ask the merchant to identify the charge and provide the relevant written term or receipt entry.
- Check the payment app or bank’s fee schedule for the selected funding source and transaction type.
- Compare the final amount on the confirmation screen with the amount the merchant agreed to charge.
- If you cannot verify the charge or the amount differs from what you agreed to pay, do not authorize the payment.
The Ministry estimates that approximately 96% of merchant transactions will remain unaffected under the announced framework. This is an estimate for the framework, not a guarantee about an individual merchant or payment. Ministry of Finance announcement on PIB.
The Tool Desk
Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Quick Recap
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
