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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →No. For ordinary UPI transfers between individuals in India—such as sending money to a friend or relative—consumers are not charged MDR, whatever the amount. In a statement dated 15 September 2026, the Ministry of Finance said the framework has no impact on person-to-person transfers, which remain free regardless of the amount sent or received.
What MDR means for a personal UPI transfer
MDR, or merchant discount rate, is a charge in the merchant-payment ecosystem. The Ministry of Finance says it is not a charge on customers making UPI payments. Its September 2026 statement also says individuals will not face a transaction fee, platform fee, or other charge for sending or receiving ordinary UPI money.
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NPCI defines person-to-person (P2P) payments as payments from one person to another. That is distinct from person-to-merchant (P2M), where a person pays a business. The current government explanation explicitly says the new framework does not affect P2P transactions.
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Why the ₹2,000 merchant figure does not apply to transfers between people
The Ministry’s statement discusses merchant payments separately from personal transfers. It says P2M payments up to ₹2,000 remain free of MDR and that qualifying small merchants—including street vendors receiving up to ₹1 lakh monthly through UPI QR codes under the P2PM category—continue with zero MDR. These are merchant-side provisions, not thresholds for an individual’s personal transfer.
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The Ministry also reports that approximately 96% of P2M transactions remain unaffected. That is a 2026 figure about merchant transaction counts; it is not the share of personal transfers and is not an MDR rate. The Ministry separately says P2P transactions account for 70% of total UPI transaction value; that is a value share, not a fee share or transaction-volume share.
A limit on transfer size is not a fee
NPCI’s circular of 28 August 2025 says the P2P transaction limit continues under existing guidance. A transaction limit is an operational cap on how much can be transferred; it does not mean a fee is charged. The Ministry’s 15 September 2026 statement says ordinary P2P transfers remain free irrespective of amount.
Rank #2
- Pay one transparent rate per swipe for Visa, Mastercard, Discover and American Express.
- Works in conjunction with most downloadable Square point-of-sale apps on your device. Customers can pay, tip and sign directly on your device. Track payments in cash, gift cards and more. Also lets you send receipts via e-mail or text message, makes it easy to apply discounts, keeps a data and sales history log and more.
- Accepts magstripe credit card payments, including those from Visa, Mastercard, Discover and American Express (fees apply).
- App sends deposits to your bank account within 1 to 2 business days, or enjoy instant deposits (fees apply).
Separate credit-linked UPI products may have their own costs
Credit Line on UPI is distinct from an ordinary transfer funded by a bank account. NPCI says charges for this credit product may vary by bank and directs customers to their issuing bank for details, including any interest or processing fees. Those issuer terms do not make a normal bank-account transfer to another person subject to MDR.
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- Fully Compliant - Complies With All Major Industry Standards, Including Iso/Iec 7816, Usb Ccid, Pc/Sc, And Microsoft Whql. As Well As, Emv 2011 Ver 4.3 Level 1 And Gsa Fips 201.
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- Universal Compatibility - Works With Virtually All Contact Chip Cards And Pc Operating Systems, Including Windows, Macos, Linux And Android.
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- Accept all major credit and debit cards and pay one low rate
- No hidden fees and no long-term contracts
- Mobile card reader that accepts payments anywhere & anytime
- Use the free SumUp App on your smartphone or tablet to start accepting transactions
- Simply pay 2.6% +10 per in-person transaction
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