Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesFor a regular UPI merchant payment debited directly from a bank account, NPCI says the customer does not pay a transaction charge. NPCI also says customers are not charged for PPI-wallet transactions made through UPI. To check a particular payment, confirm its funding source, inspect the transaction in your app, and reconcile it with the statement for the account or instrument that paid. International merchant payments are different: review the amount in both currencies and any displayed exchange rate or fee before authorizing.
What UPI fees apply to merchant payments?
NPCI’s stated baseline is that bank-account-to-bank-account UPI transactions remain free for customers and merchants. Its official FAQ also says, “There are no charges to be paid by the customer/ PPI holder for UPI transactions.” These statements address customer charges for the specified UPI payment types; they are not a blanket guarantee about every product that can be used in a UPI app or every provider’s account terms. NPCI’s UPI FAQ and its 29 March 2023 statement distinguish these customer rules from merchant-side arrangements.
As an Amazon Associate I earn from qualifying purchases.
In that March 2023 release, NPCI reported that more than 8 billion transactions each month were processed free for customers and merchants using bank accounts. The figure and the free-payment statement apply to the bank-account scope described in the release; they should not be extended to other payment sources or treated as a current count.
The Tool Desk
Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →A merchant-side charge is also not automatically a charge to the customer. NPCI says interchange charges apply to certain PPI-wallet merchant transactions, while its FAQ says the customer or PPI holder is not charged for UPI transactions. Merchants handle UPI acceptance through an acquiring bank and their agreement with it. That arrangement is separate from a fee debited from a payer’s account.
#1 Best Overall
- Compact & Portable Design: This Small Excel, Word, PowerPoint, & Windows Cheat Sheet Mouse Pad measures 11.8" x 9.8", offering a portable mouse pad. Its compact size fits in bags or laptop cases, suitable for professionals, students, or travelers.
- Multi-Software Shortcut Guide: Featuring essential shortcut keys for Excel, Word, PowerPoint, & Windows, this small mouse pad provides a quick reference for frequently used shortcuts, offering a reference designed to support workflow efficiency
- Smooth & Precise Surface: The finely-textured surface ensures precise mouse control, allowing for smooth and accurate movement during work or gaming sessions.
- Durable & Non-Slip Design: This Multi-Software Shortcut Mouse Pad features stitched edges to reduce fraying. The non-slip rubber base helps keep it securely in place, and the water-resistant fabric allows for easier maintenance.
- Clear Print Quality: Displays high-resolution printing intended to remain legible through regular use and cleaning
This distinction helps answer the common question, “Does UPI charge a fee for merchant payments?” For a customer paying a domestic merchant directly from a bank account, NPCI’s published baseline is no transaction charge. The answer depends on the scope of the question: a merchant’s cost of accepting a payment, a customer’s bank-account payment, a wallet transaction and a credit-card-linked transaction are not interchangeable. A UPI app is an interface that can present different funding choices; the app name alone does not identify which product terms apply.
The available NPCI material does not confirm every bank’s or app’s current fee schedule, or determine the meaning of a particular statement entry. If you want to know whether your bank or provider charges you for a particular transaction, use the transaction record and the current terms for the product that funded it. Do not treat the general baseline as proof about a different payment source or an individual account.
First identify what funded the payment
The UPI app is the interface, but the funding source determines which account record and product terms to check. Before approving a payment, look at the displayed source as well as the payee and amount. If the source is not clear on the first screen, inspect the details available before confirmation. The key distinction is whether the transaction draws from a linked bank account, a PPI wallet, a linked RuPay credit card, or an international payment route.
| Payment source or route | What the available NPCI guidance says | What to check |
|---|---|---|
| Linked bank account | NPCI says bank-account-to-bank-account UPI transactions remain free for customers and merchants. | Reconcile the app transaction with the linked bank account statement. |
| PPI wallet used through UPI | NPCI says customers or PPI holders are not charged for PPI-on-UPI transactions; merchant interchange is a separate matter. | Check the wallet transaction record and applicable wallet terms. |
| RuPay credit card linked to UPI | NPCI describes restrictions on transaction categories and notes that issuing-bank or RBI restrictions may apply. The guidance does not establish a universal customer fee. | Check the card issuer’s current terms and the card statement. |
| International UPI merchant payment | NPCI’s UPI Global Acceptance guidance tells users to review the final amount in both currencies and any applicable exchange rate or fee. | Check the payment confirmation screen and the provider’s cross-border terms. |
NPCI’s RuPay Credit Card on UPI guidance lists categories that cannot be paid using that functionality and notes that issuer-bank or RBI restrictions can apply. A credit-card-linked payment is a credit product, so the bank-account UPI baseline alone cannot establish the fee or other terms for that card. Check the card issuer’s current terms rather than assuming that a payment made through the same UPI app must have the same treatment as a bank-account debit.
Rank #2
- [MULTIFUNCTIONAL]You'll get 2 pieces computer monitor memo boards that you can stick on the left and right edges of your monitor, and they're the perfect office desk organizers and accessories. Computer monitor side panels desktop organizer are suitable for home work or office,bringing convenience. Desktop memo is used to organize meeting memos, important messages, business cards, planning notes.Paste on the message board to keep track of important things and to-do items to prevent forgetting.
- [🌟HIGHLY QUALITY] The material of computer screen side note holder is transparent acrylic. Durable, simple, stylish, light weight, easy to use, not easy to fall off or break. This cute office supplies for women desk can be used for a long time. This computer desk accessories is waterproof and dirt resistance, and look simple and stylish. The transparent acrylic sticky note holder as cubicle accessories is easy to notice the context of your sticky notes.
- [📋Easy to use] Office must haves cool office gadgets for desk ready to tear, easy to install and remove, not easy to leave traces. You only need to peel off the protective film on the surface of the computer side board memo, wipe off the dust on the edge of the computer monitor, and then stick the desk essentials for women office on the right or left side of the tape, and you're done. A perfect gift for your colleagues, friends or classmates and family members or relatives
- [🏢MULTI-SCENE USE] This desk supplies computer memo board can be applied to home and office, clear your office decor for women, suitable for most computer monitors, screens and cabinets, you can put it where you think, this cute office decor serve as a reminder. Stick on the computer side. It’s a good office gadgets can remind work improve office productivity. Pasted cabinets, dressers, refrigerators, walls, etc as cubicle accessories. To make life more orderly.
- [💌NOTE] The adhesive force of the computer sticky note holder is very strong. It can not be directly pasted on the computer screen. It should pasted on the black edge of the screen. Narrow edge not recommended!!! If you are not satisfied with your purchase, or if the product is damaged or broken in transit, please let us know immediately. We will promptly solve your problem.
For a wallet payment, do not confuse the merchant-side interchange described by NPCI with a fee collected from the person paying. NPCI’s FAQ says the customer or PPI holder is not charged for UPI transactions, and its 2023 release says interchange charges on PPI-wallet merchant transactions do not mean the customer is charged. To verify your own payment, however, check that the app actually used the wallet and compare the wallet’s transaction record with the app record.
How to check a UPI payment step by step
- Before authorizing: On the payment screen, confirm the merchant or payee and the displayed amount. Identify whether the source is a linked bank account, PPI wallet, or linked RuPay credit card. If the payment is international, note the amount in both currencies and any displayed conversion rate or fee. This gives you a baseline for comparing the completed payment with your account record.
- After paying: Open the UPI app’s transaction history and select the payment. NPCI says transaction history is available from the app’s home screen. Record the amount, status, payment reference and funding source shown in the transaction detail. Use the entry for the specific merchant transaction rather than relying only on a notification or memory of what appeared at checkout.
- Compare the matching account record: Check the bank statement for a bank-funded transaction, the wallet record for a wallet-funded transaction, or the card account for a credit-card-funded transaction. Compare the payment amount with any separate debit rather than assuming every debit appearing near the same time is a UPI fee. The app record tells you how the payment is represented in the UPI history; the matching instrument record helps you see what was debited there.
- Check provider terms if a separate debit appears: Ask the provider responsible for the funding source—bank, wallet provider or card issuer—to identify the debit and provide the applicable fee schedule. The app provider may also be able to explain a transaction shown in its history. Ask for an explanation of the particular entry, not just a general statement about UPI.
This process verifies a specific payment against the record of the instrument that funded it. NPCI’s general guidance establishes the broad bank-account and PPI customer-charge position, but it does not verify every bank’s or app’s current fee schedule or a particular user’s account terms. The information that matters for your own check is the source selected for that payment, the transaction detail in the app, the corresponding account record and the current provider terms relevant to that source.
A quick comparison checklist
- Funding source: Is the payment shown as a linked bank account, PPI wallet, RuPay credit card or international route?
- Who could explain a charge: Is the question about NPCI’s payment-type baseline, the UPI app’s display, the bank or wallet holding the funds, or the card issuer?
- Evidence: Do the authorization screen, app transaction detail and matching bank, wallet or card record show the same payment and amount?
- Geography and currency: Is it a domestic merchant payment or an international acceptance transaction that requires checking an amount in two currencies, conversion and any displayed fee?
- Current terms: If you see a separate debit or used a credit product or cross-border route, have you asked the responsible provider for the current terms rather than extrapolating from the bank-account baseline?
These checks separate what the general NPCI guidance says from what must be confirmed for an individual transaction. They also help you ask the right provider a focused question instead of assuming that the app, bank, merchant and funding instrument all have the same role.
What to do if money was deducted after a merchant payment
Start with the transaction reference and the statement entry. Ask the provider to clarify whether the entry is the payment itself, a separate debit, a reversal or adjustment, or a charge under the terms of the funding account. Do not label an unexplained entry a UPI fee until the responsible provider identifies it. The available information does not establish what any particular unexplained debit represents, so the account provider’s transaction-level explanation is necessary.
Rank #3
- Stay Organized with Ease: Our To Do List Notepad provides multiple sections with plenty of space to jot down all of your important tasks.A versatile office supply perfect for daily task management, helping you keep track of everything that needs to be done and prioritize effectively.
- Achieve Your Productivity Goals: Begin each day on a positive note, reminding you of your potential, strength, and the significance of staying focused on your goals. Our Daily Checklist Notepad is the ultimate tool to streamline your daily planning and elevate your productivity. With a clear and concise overview of your tasks, you can effortlessly prioritize what truly matters and make consistent strides towards achieving your goals.
- Reliable and Stylish: Our to do list planner combines functionality with durability. With a transparent PP cover, the inner pages are well-protected from dirt and wear. Additionally, the back cover is crafted with thick paperboard, offering a stable surface for your writing needs. Each notepad includes 52 pages of high-quality, 100gsm paper, which is thick and non-bleeding, resulting in a smooth and enjoyable writing experience.
- Versatile Use: This daily checklist notepad, suitable for teacher supplies and a wide range of applications, proves invaluable in various settings including work, school, and home. Whether you need to organize your daily tasks, plan a project, or create a grocery list, this notepad serves as the ideal tool. Its compact size ensures easy portability, allowing you to conveniently carry it with you throughout your day.
- Perfect Present for Anyone: Our Daily To-Do List Notepad is the perfect present for those who value organization and productivity. With its stylish design and versatility, this office desk accessory is also a practical addition to school supplies. Suitable for students, professionals, and homemakers alike, it helps keep tasks and priorities in check effortlessly.
- Keep the app transaction detail, payment reference, date, amount and the matching statement entry. If the amount or source displayed before approval differs from what you expected, note that too.
- Contact the bank, wallet provider or card issuer tied to the funding source; contact the UPI app provider as well if the app’s transaction record needs explanation. Ask which transaction the entry relates to and request the relevant fee schedule or product terms.
- If the issue is an unresolved transaction-confirmation problem, NPCI directs customers to their bank. NPCI also says UPI grievances can be raised through the participating bank’s UPI app.
- For a merchant-side acceptance or settlement issue, NPCI says the merchant should raise the grievance with its acquiring bank. That is not the payer’s route for asking about a debit from their own account.
It is useful to distinguish two different complaints. A payer asking why their bank, wallet or card record shows a debit should contact the provider responsible for that funding instrument and use the transaction reference. A merchant asking about UPI acceptance or settlement has a merchant acquiring relationship; NPCI says the merchant works with an acquiring bank and raises merchant transaction grievances there. A merchant-side arrangement does not, by itself, show that a customer was charged.
The NPCI FAQ is available at https://www.npci.org.in/what-we-do/upi/faqs.
Check international merchant payments separately
For a merchant abroad or another international acceptance route, do not assume the domestic bank-account UPI baseline settles the amount you will pay. NPCI’s UPI Global Acceptance guidance describes activating the service through the UPI app, finding a participating merchant, scanning its QR code and reviewing the payment before confirmation.
- Activate UPI Global Acceptance through the UPI app if the service is available to you.
- Confirm that the merchant accepts the international UPI payment route.
- Scan the merchant’s QR code and inspect the final amount shown in both the foreign currency and Indian rupees.
- Review any displayed exchange rate and applicable fee, then check the bank or app’s cross-border terms before authorizing.
The final displayed payment and provider terms are the relevant checks for a particular international transaction; the domestic UPI customer-charge statements do not establish every cross-border fee or conversion condition. If the payment has already gone through, compare the app’s transaction detail with the account record that funded it and ask the responsible provider about any separate entry or conversion-related amount you do not understand. The available guidance does not supply one universal international fee or exchange rate to apply to every payment.
Rank #4
- 【Adjustable & Ergonomic】：This laptop stand can be adjusted to a comfortable height and angle according to your actual needs, letting you fix posture and reduce your neck fatigue, back pain and eye strain. Very comfortable for working in home, office and outdoor.
- 【Sturdy & Protective】 ：Made of sturdy metal, it can support up to 17.6 lbs (8kg) weight on top; With 2 rubber mats on the hook and anti-skid silicone pads on top & bottom, it can secure your laptop in place and maximum protect your device from scratches and sliding. Moreover, smooth edges will never hurt your hands.
- 【Heat Dissipation】 ：The top of the laptop stand is designed with multiple ventilation holes. The open design offers greater ventilation and more airflow to cool your laptop during operation other than it just lays flat on the table.
- 【Portable & Foldable】：The foldable design allows you to easily slip it in your backpack. Ideal for people who travel for business a lot.
- 【Broad Compatibility】：Our desktop book stand is compatible with all laptops from 10-15.6 inches, such as MacBook Air/ Pro, Google Pixelbook, Dell XPS, HP, ASUS, Lenovo ThinkPad, Acer, Chromebook and Microsoft Surface, etc.Be your ideal companion in Home, Office & Outdoor.
Common fee-checking mistakes
- Assuming every UPI payment uses a bank account: Check the funding source on the authorization screen and in transaction details. An app may be used with different payment products, and the product matters when you look for its account record and terms.
- Confusing merchant interchange with a customer fee: NPCI distinguishes PPI merchant interchange from a charge paid by the customer or PPI holder. A merchant’s acceptance arrangement is not evidence of a fee debited from the payer.
- Applying bank-account guidance to a linked credit card: Check the issuing bank’s card terms and restrictions for the specific credit product. NPCI’s available guidance does not establish a universal customer fee for every RuPay credit-card-on-UPI transaction.
- Ignoring the statement: The app shows the UPI transaction, while the statement for the funding instrument helps identify what was actually debited. Compare the relevant records before deciding that a nearby entry is a charge for the merchant payment.
- Applying domestic guidance to an international payment: Review the displayed two-currency amount, exchange rate and any fee for that transaction. Check the provider’s cross-border terms rather than assuming the domestic baseline answers the question.
- Assuming an unexplained debit is a UPI fee: Preserve the reference and ask the provider responsible for the bank, wallet or card account to identify the entry. The source material does not diagnose individual statement entries.
- Assuming a published general statement confirms your exact account terms: NPCI’s guidance gives a useful baseline for specified transaction types, but the reviewed sources do not contain a current fee schedule for every bank or app.
Frequently Asked Questions
Does UPI charge a fee for merchant payments?
For ordinary bank-account-to-bank-account UPI payments, NPCI says transactions remain free for customers and merchants. NPCI also says customers or PPI holders are not charged for PPI-on-UPI transactions. Check the payment’s funding source: a linked credit card and an international route may have separate product or provider terms.
Does my bank charge for UPI payments?
NPCI’s general statement is that bank-account-to-bank-account UPI transactions remain free for customers. It does not verify every bank’s current schedule or the terms of an individual account. Confirm which account funded the transaction, compare it with your statement, and ask the bank for its current applicable terms if you see a separate debit.
How do I check UPI transaction charges?
Check the funding source before authorizing, then open the payment in your UPI app’s transaction history. Compare its amount and reference with the matching bank, wallet or card record. If a separate debit appears, ask the provider responsible for that funding source to identify it and provide the applicable fee schedule.
Why was money deducted after my UPI payment?
The records provided here cannot identify an individual debit. Compare the UPI transaction detail with the record for the instrument that funded it, save the reference and statement entry, and ask the relevant bank, wallet provider or card issuer what the debit represents. For unresolved transaction-confirmation issues, NPCI directs customers to their bank.
Best Value
- Twin-Ball Design : Hiacry gel pen features a double ball conical tip that reduces writing resistance and provides a stable and smooth writing experience. 0.7mm quick drying black ink ensures no jumping, leakage or seepage.
- Quick-Dry Long Lasting Ink：0.7mm black ink can slide effortlessly, dry immediately, & is not easily dirty. It has a high-capacity reservoir (up to 1300 meters), which is very suitable for left-handed & right-handed users.
- Sleek Design for Journaling & Planning: Engineered with a low center of gravity and precision tip for steady ink flow, these journaling pens excel at note-taking, sketching, planning, and more. They combine stylish pens with top-tier performance.
- Rolling Ball Design：The pocket clip with roll ball design can be easily attached to notebook pockets and binders, in addition, the fidget on the pen clip is also a small toy for your daily thinking to relieve stress.
- Comfortable Non-Slip Grip：The ergonomic pen barrel has a soft rubberized coating for a comfortable, non-slip grip, so you won't get fatigued even after long hours of writing.
Are UPI wallet payments free?
NPCI says customers or PPI holders are not charged for PPI-on-UPI transactions. NPCI separately describes interchange charges on certain PPI-wallet merchant transactions; those merchant-side arrangements should not be mistaken for a customer fee. Check that the specific payment used the wallet and review the wallet record.
Do merchant UPI interchange charges mean I pay a fee?
Not automatically. NPCI distinguishes merchant-side interchange on certain PPI-wallet transactions from customer charges, and says the customer or PPI holder is not charged for PPI-on-UPI transactions. A merchant’s acquiring arrangement is separate from a debit on your own funding account.
What should I check if I paid a merchant internationally through UPI?
NPCI’s UPI Global Acceptance guidance says to review the final amount in both currencies and any applicable exchange rate or fee before confirming. Check the provider’s cross-border terms as well; the domestic bank-account UPI baseline does not establish every international payment’s conversion conditions.
PC Slower Than It Used to Be?
A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11Crashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteThe Bottom Line
For a domestic merchant payment funded directly from a bank account, NPCI says the customer does not pay a UPI transaction charge. PPI-on-UPI customers are also not charged under NPCI’s guidance, though merchant interchange is a separate matter. To check your own payment, identify the funding source, open the transaction in your UPI app, and compare it with the matching bank, wallet or card record. If there is a separate debit, ask the responsible provider to explain it; for international payments, inspect the displayed amounts, rate and any fee before approving.
Quick Recap
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.
