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NPCI has deferred the planned start of merchant discount rate (MDR) on select person-to-merchant (P2M) UPI transactions. Business Standard reported on October 13, 2026, that the charges would take effect immediately after Diwali, on a date to be notified separately. The previously planned start was October 15. The report said the announced fee structure had not changed.
CAIT’s documented role was to raise merchant concerns in discussions with the Finance Minister before the delay. Its October 5 release describes that meeting, but does not say CAIT welcomed the October 13 deferment. The implementation decision was attributed to NPCI, not CAIT.
When will UPI MDR charges start?
The revised timing is immediately after Diwali, but the exact date was still pending in Business Standard’s October 13 report. NPCI’s UPI and Services Steering Committee was quoted as saying that MDR on select P2M transactions “shall be implemented immediately post Diwali at a date to be notified separately.” The planned October 15 start was therefore postponed, not confirmed as the new effective date. Business Standard reported the committee’s statement; a primary NPCI notice was not available in the sources reviewed here.
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The deferment concerns implementation timing. Business Standard reported that the announced structure remained unchanged; the report did not say the framework or rates had been cancelled.
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Which UPI payments are subject to MDR?
MDR is a merchant-side fee for specified person-to-merchant payments, not a charge on every UPI transfer. The Ministry of Finance’s September 15, 2026 explanation distinguishes transaction type, amount, and merchant or sector eligibility:
| Payment or transaction category | Announced treatment |
|---|---|
| Person-to-person (P2P) transfers | Remain free, regardless of amount. |
| P2M transactions up to ₹2,000 | Remain free. |
| Eligible small merchants covered by the zero-MDR framework | Remain free on eligible transactions. |
| Specified P2M transactions above ₹2,000 | General rate of 0.4%; for transactions of ₹75,000 and above, the stated cap is ₹300. |
| Specified transactions above ₹2,000 in listed essential and thin-margin sectors | Flat ₹5 per transaction. The Ministry lists railways, telecommunications, insurance, fuel, and agricultural inputs. |
| Specified capital-market transactions | 0.02%, capped at ₹300. |
These rates and categories come from the Ministry’s announced framework, not a determination of every merchant’s eligibility. The Ministry’s current FAQ or a subsequent notice should be checked for the rules that apply to a particular merchant or transaction. It estimates that approximately 96% of P2M transactions will remain unaffected; that is the Ministry’s estimate, not an independently measured figure.
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The framework’s policy background changed between August and September. On August 8, 2026, the Finance Ministry described legislation enabling a threshold-based framework and said NPCI’s UPI and Services Steering Committee would decide whether MDR applied. Its September 15 explanation then set out the rates and coverage summarized above.
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The Ministry says MDR is charged within the merchant payment ecosystem, rather than being a transaction charge on the customer. It says banks have been advised to ensure merchants do not pass the fee on to customers. That describes the government’s announced safeguard; it does not establish how every merchant will behave in practice.
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The Ministry’s August 8 release stated that consumers making payments would not face transaction charges and that all P2P transactions would remain free. Those are official descriptions of the policy, not a guarantee that future policy cannot change.
What did CAIT say about the UPI MDR deferment?
CAIT’s October 5, 2026 release says a delegation led by its Secretary General and MP Praveen Khandelwal met Union Finance Minister Nirmala Sitharaman to discuss merchant concerns about the proposed 0.40% MDR on UPI transactions above ₹2,000. CAIT said the All India Consumer Products Distributors Federation (AICPDF) and the All India Mobile Retailers Association (AIMRA) withdrew a planned “No UPI Day” protest after what CAIT described as constructive discussions and an assurance that trade concerns would receive consideration.
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That release documents CAIT’s engagement ahead of the reported delay; it does not contain a clearly attributable statement welcoming the October 13 decision. The deferment itself was attributed to NPCI by Business Standard.
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- For timing: Look for NPCI’s separately notified effective date. “Immediately post Diwali” is the reported timing, not a specific calendar date.
- For eligibility: Check the official Ministry FAQ or any subsequent notice before assuming a particular merchant, sector, or payment qualifies for a rate or exemption.
- For customers: The announced framework places MDR within the merchant payment ecosystem and says banks have been advised to prevent the fee being passed on. If a merchant adds a fee, that conduct should not be confused with an announced customer transaction charge under the framework.
Sources: Business Standard, October 13, 2026; Ministry of Finance, September 15, 2026; Ministry of Finance, August 8, 2026; CAIT, October 5, 2026.
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