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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallMadhya Pradesh traders observed a symbolic “No UPI Day” on September 23, 2026, covering shop QR codes and asking customers to pay in cash. News reports said the protest opposed a proposed 0.4% merchant discount rate (MDR) on certain person-to-merchant UPI payments above ₹2,000, which was reportedly planned to start on October 15, 2026. As of October 3, that planned date had not arrived; the reports do not establish whether the proposal later took effect or changed.
What the reported MDR proposal would cover
MDR is a charge associated with processing a merchant’s digital payment. The reports described the proposed charge as a cost for merchants on eligible person-to-merchant UPI transactions—not an additional fee charged directly to customers.
| Question | What news reports said |
|---|---|
| Reported rate | 0.4% on eligible transactions, according to the 2026 PTI report republished by Telangana Today. |
| Reported threshold | Transactions above ₹2,000; transactions at or below ₹2,000 were reported exempt. The rate and threshold were reported by Telangana Today (PTI) and other coverage in 2026. |
| Payment type | Person-to-merchant UPI payments, rather than every UPI transfer. |
| Planned start | October 15, 2026, as reported by Telangana Today (PTI). This was a reported planned date, not confirmation that the arrangement began. |
The underlying official notice was not verified in the coverage available for this account, so the rate, threshold and timing should be understood as reported proposal details.
Why traders protested
Trade representatives objected to the merchant-side cost and said it could add pressure to business expenses, particularly for businesses with lower margins. That is a concern about the possible effect of the proposed charge; the reports do not establish that merchants raised prices or that customers experienced higher costs.
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The government position relayed in the coverage was that customers would not have to pay an additional fee for UPI payments. The Finance Ministry statement quoted in the reports said: “Customers will not have to pay any fee for making such payments through UPI.” The reports attributed that wording to an earlier ministry statement; the original publication was not reviewed here.
Ramesh Khandelwal, president of the Ahilya Chamber of Commerce and Industry, told India Today: “Traders are not against the government, but their question is, if the money collected from MDR is not going to the government treasury, why is this additional burden being placed on traders?” That was Khandelwal’s stated view; it does not independently establish how MDR proceeds would be handled.
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What happened on No UPI Day
On September 23, traders covered QR codes and payment devices with black cloth, declined UPI for the symbolic action and asked customers to use cash. Reports named Indore, Bhopal, Jabalpur, Gwalior, Ratlam, Neemuch, Mandsaur and Jaora as participating locations.
India Today reported Khandelwal’s estimate that nearly 125 business organisations in Indore took part. That figure is a trade representative’s estimate, not an independently audited count, and the coverage does not establish a verified statewide participation total.
Aaj Tak reported that some customers arrived without enough cash and had to arrange payment. This was an anecdote from the protest day, not a representative measure of customer experience across Madhya Pradesh.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What customers should take from the reports
The reported proposal distinguished between a possible merchant cost and a direct customer fee: the government position carried in the coverage was that customers would not be charged an additional fee, while traders objected to bearing the proposed MDR. Any indirect effect on prices remained a trader concern, not an established outcome. Because the reported October 15 start date was still in the future on October 3, 2026, the coverage does not confirm the proposal’s eventual status.
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