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Do not confuse that customer rule with merchant discount rate (MDR). The same FAQ describes MDR as a fee paid by certain merchants under a framework scheduled to take effect on 15 October 2026, and says merchants cannot pass that fee to customers. A charge shown on your screen therefore needs to be identified: it may be an impermissible fee for the UPI payment itself, a separately sold service, or a charge connected with a credit product rather than ordinary bank-account UPI.
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What the DFS FAQ actually says
The DFS FAQ is titled “FAQ on Merchant Discount Rate on Select UPI (P2M) Transactions” and is dated 15 September 2026. Its customer-facing rule is explicit: a UPI app provider shall not charge a platform fee or any other charge for a payment made through UPI.
This wording addresses the payment made through UPI. It does not mean every product, service, or financial arrangement displayed inside an app must be free. The important question is what the line item is charging for and who is legally responsible for it.
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- UPI app platform fee: a fee imposed by the app provider for processing your UPI payment. The DFS FAQ says this must not be charged.
- Merchant MDR: a merchant-side fee described for selected person-to-merchant (P2M) transactions. The FAQ says the merchant cannot recover it from the customer.
- Separate service or credit charge: a fee for something other than the ordinary UPI payment, such as a credit facility or another service. Its treatment depends on that product’s terms and disclosures.
The FAQ is an official government explanation of the rule. It should not be presented as a quotation from an Act or as a substitute for a later circular that changes implementation details.
Is there a charge for scanning a UPI QR code?
Scanning a QR code does not, by itself, create a customer fee under the DFS FAQ’s rule. If the QR initiates an ordinary UPI payment from your bank account, the app provider should not add a platform fee or another charge for that payment.
Check the payment confirmation screen before authorising it. The amount payable should identify the purchase amount and any legitimate tax or price component from the merchant. A new line labelled “UPI fee”, “platform fee”, “QR fee”, or similar is not the same as the merchant’s advertised price and should be queried before you enter your UPI PIN.
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A merchant may use a QR code for different funding paths, including a wallet or a credit-linked option. Those arrangements can have separate rules, so confirm the account or instrument selected on the authorisation screen.
Customer fee versus merchant MDR
MDR (merchant discount rate) is the fee charged within the payment ecosystem to a merchant or its acquiring arrangement. It is not a fee that the customer is supposed to pay merely because the customer used UPI.
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The DFS FAQ states: “No, MDR is not passed on to customers. Merchants cannot pass on MDR charges to customers while accepting payments through UPI.” The payer and the timing matter. The FAQ describes a framework for selected P2M transactions, with an effective date of 15 October 2026.
| Charge or arrangement | Who it concerns | What the cited official material says |
|---|---|---|
| UPI app platform fee | Customer using a UPI app | The 15 September 2026 DFS FAQ says UPI app providers shall not charge a platform fee or any other charge for a UPI payment. |
| MDR on selected P2M UPI payments | Merchant-side payment arrangement | The DFS FAQ describes merchant MDR and says it cannot be passed to customers; the described provisions are scheduled for 15 October 2026. |
| PPI-on-UPI payment | Customer or prepaid payment instrument (PPI) holder | NPCI says customers and PPI holders pay no charge for PPI-on-UPI transactions. |
| Credit-linked UPI payment | Customer using a credit card or sanctioned credit line | This is a separate credit-product arrangement. Do not assume ordinary bank-account UPI rules cover interest, late fees, or other issuer charges. |
When does the MDR framework take effect?
The DFS FAQ says its finalized MDR framework and threshold structure take effect on 15 October 2026. The authoritative information supplied for this article is timestamped 13 October 2026, when that date was still two days away. If you are reading this after 15 October, check the latest DFS, Reserve Bank of India (RBI), NPCI, or bank implementation notice before relying on operational details.
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MDR figures described by the 2026 FAQ
The following figures are merchant-side terms described by the DFS FAQ. They are not amounts a UPI app may add to a customer’s payment total.
| Transaction or merchant category | MDR described in the FAQ | Conditions stated |
|---|---|---|
| Covered P2M UPI transactions above ₹2,000 | 0.4% | For transactions of ₹75,000 and above, the MDR is capped at ₹300. |
| Specified sectors, including railways, telecom, insurance, and fuel | ₹5 flat MDR | Applies to specified merchant categories for transactions above ₹2,000. |
| Capital-market transactions | 0.02% | Capped at ₹300. |
The FAQ also says more than 95% of UPI P2M transaction volume is at or below ₹2,000. That is a government FAQ figure, not an independently audited statistic in the material cited here. It helps explain why the described thresholds focus on larger or specified transactions, but it does not change the prohibition on passing MDR to customers.
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Examples: what you should and should not see
Ordinary bank-account UPI purchase
You scan a restaurant’s QR code, select your linked bank account, and approve a ₹1,200 payment. The app should not add a platform or QR-processing fee to the amount because the payment was made through UPI. The merchant’s own pricing and applicable taxes remain separate from a payment-app fee.
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You pay ₹80,000 to a covered merchant. The FAQ’s described 0.4% MDR would be calculated on the merchant-side arrangement, but the ₹300 cap applies for transactions of ₹75,000 and above. The merchant cannot simply add that MDR as a “UPI charge” on your bill.
A checkout service charge
A website offers an optional delivery, booking, membership, or other service and lists its price before payment. That is not automatically a UPI platform fee. Read the description and determine whether you are buying a service or being charged solely for using UPI. The fee should be visible before authorisation and should not be disguised as a mandatory UPI surcharge.
A payment made from credit
You choose a credit card or a sanctioned credit line inside a UPI app. The payment may still use UPI rails, but the underlying funding is credit. Interest, cash-advance treatment, annual fees, late charges, or other issuer terms can arise from that separate product. Review the issuer’s terms instead of assuming the transaction is identical to a bank-account debit.
Wallets and prepaid payment instruments
NPCI’s customer FAQ says there are no charges to customers or PPI holders for PPI-on-UPI transactions. NPCI’s 29 March 2023 statement also described PPI interchange as applying to PPI merchant transactions while saying customers are not charged.
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That 2023 statement is historical context, not a promise that every later policy detail is unchanged. For a wallet or other PPI, identify the instrument shown on the confirmation screen and read the provider’s current terms. The customer-facing principle in the cited NPCI material is that the PPI holder is not charged for the PPI-on-UPI payment itself.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Credit cards and credit lines are not ordinary bank-account UPI
NPCI has described credit-card-linked UPI, including card-network arrangements, and banks may also offer sanctioned credit lines that can be selected in a UPI app. These are distinct from a normal account-to-account payment funded from your deposit account.
The DFS FAQ’s no-platform-fee statement concerns a payment made through UPI; it does not erase the commercial terms of the credit product funding that payment. Before using credit, check:
- the name of the funding source selected on the payment screen;
- whether the issuer treats the transaction as a purchase, cash advance, or another category;
- interest-free-period conditions and the interest rate if you do not repay on time;
- late-payment, annual, conversion, or other disclosed fees; and
- the complaint route for the card or credit-line issuer.
These checks prevent you from mistaking an issuer charge for a UPI app platform fee.
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What about convenience or service charges?
RBI disclosure material cited for payment aggregators and gateways addresses disclosure of other charges before payment in the debit-card context. That material does not itself authorise a UPI app to impose a platform fee.
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If a checkout displays a convenience or service charge, ask what service it buys, who is charging it, and whether it was disclosed before you confirmed the payment. A separately priced service may be governed by its own contract and consumer rules; it should not be relabelled as an unavoidable UPI fee merely because the final payment method is UPI.
How to check a disputed UPI fee
- Pause before authorising. Expand the amount breakdown on the app’s confirmation page and capture the merchant name, amount, and every line item.
- Identify the funding source. Note whether the debit is from a bank account, PPI, credit card, or credit line.
- Ask the merchant for an itemised explanation. Request the price, tax, and any separately purchased service to be shown distinctly from a purported UPI fee.
- Check the transaction receipt. Compare the pre-authorisation screen with the final receipt and your bank or wallet statement.
- Complain through the correct channel. Start with the UPI app or bank support for an app or transaction issue; use the merchant’s support channel for a misdescribed price; and contact the card or credit-line issuer for credit-product charges.
- Keep the evidence. Save screenshots, the transaction reference number, date, amount, and the provider’s response if you escalate the complaint.
If the line item says only “UPI platform fee” or “QR fee” for an ordinary bank-account payment, point the provider to the DFS FAQ dated 15 September 2026 and ask why the charge was applied. Do not assume that a merchant-side MDR, a wallet interchange arrangement, or a credit-product fee gives permission to add a customer surcharge.
Historical context from NPCI
In a 29 March 2023 release, NPCI said more than 8 billion transactions were being processed monthly and that bank-account-to-bank-account transactions continued to remain free for customers and merchants. That is a dated historical statement, not a current volume measurement. The later DFS FAQ’s 15 October 2026 effective date should be used when discussing the described MDR framework.
What to verify if you are reading this after 15 October 2026
The DFS FAQ was dated 15 September 2026, and the cited materials do not establish whether an intervening circular or implementation notice changed the framework before or after 15 October. Verify the latest official notice for the operative MDR schedule, covered transaction categories, and implementation instructions.
That verification is about merchant-side policy details. The FAQ’s stated customer answer remains specific: a UPI app provider shall not charge a platform fee or any other charge for a payment made through UPI. A charge that appears on your screen still needs to be classified by its funding source and the service it purports to cover.
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