For standard bank-account-to-bank-account UPI payments in India, NPCI says transactions remain free for customers and merchants. NPCI also says a merchant receives the money immediately after the customer confirms payment, into a merchant pool or bank account as set out in the merchant’s agreement. That wording is not a universal payout schedule: confirm the destination and settlement terms with your acquiring bank or provider.
Does UPI charge merchants?
For ordinary bank-account-to-bank-account UPI, NPCI’s March 29, 2023 statement says these transactions “continue to remain free for Customers and Merchants.” The statement concerns that payment source; it should not be read as a promise that every UPI-linked payment source or separate service in a merchant agreement has identical fees. NPCI’s statement also distinguishes PPI wallet transactions: interchange charges introduced for PPI merchant transactions apply to those transactions, while customers are not charged.
For a merchant, the practical question is therefore not just whether a payment is labelled UPI, but which source of funds is used and what the acquiring agreement covers. Ask the acquiring bank or provider to disclose any applicable charges for your acceptance setup and payment sources; the cited NPCI material does not set a universal fee for every provider service.
RuPay credit cards linked to UPI are a separate case
NPCI’s 2022 operating circular provides nil MDR, with no interchange, PSP or app-provider charges, for the defined small offline merchant category on RuPay credit-card-on-UPI transactions up to and including ₹2,000. The category and transaction-value conditions matter; this is not the general rule for ordinary account-linked UPI or every merchant. Read the circular and confirm that it remains applicable to your circumstances, including any later amendments.
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 & 11Outdated Drivers Are Slowing You Down
One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware match#1 Best Overall
- View a history list of all of your past scans
- Sync your scan history across the web and all of your devices
- Scan pictures of QR codes from your camera roll
- A switch to turn on your device’s light for scanning in low-light circumstances
When will a merchant receive UPI payments?
NPCI’s UPI FAQ says: “Merchant will receive the money immediately after customer confirms the payment into the merchant Pool bank account/ merchant bank account as per their agreement.” The phrase “as per their agreement” is important: it ties the destination and arrangement to the merchant’s contract rather than establishing one payout schedule for all providers. NPCI’s merchant FAQ is the source for this description.
Before accepting payments, ask your acquirer to specify which account receives the credit, how the merchant pool or bank account works for your setup, and what settlement terms apply. Do not assume that a customer’s successful instant payment necessarily means every provider uses the same merchant-facing payout arrangement.
Rank #2
- Continuous Usage All Day: The EY-H2 USB barcode scanner is designed to always be ready for the next scan, which significantly reduces downtime and repair costs; it shortens checkout lines, improves customer service, and boosts business productivity
- Plug and Play: Eyoyo wired barcode scanner is connected via a USB cable, with no need to install any driver or software; It offers effortless connection and is compatible with Windows, Mac, Android, and Linux; Seamlessly works with Quickbook, Word, Excel, Novell, and all common software
- Supports Multiple 1D/2D Barcodes: Eyoyo QR code scanner scan with most 1D 2D barcodes with ease; 1D Barcodes: EAN, UPC, Code 39, Code 93, Code 128, UCC/EAN 128, Codabar, Interleaved 2 of 5, ITF-6, ITF-14, ISBN, ISSN, MSI-Plessey, GS1 Databar, Code 11, Industrial 25, Matrix 2 of 5, etc. 2D Barcodes: QR, DataMatrix, PDF417, and so on
- Supports Screen Scanning: The Eyoyo 2D scanner is capable of reading barcodes from smartphone screens, such as mobile coupons, digital wallets, and digital loyalty cards; Before scanning, simply turn your screen brightness to the maximum
- Sturdy Anti-Shock and Durable Design: The Eyoyo 2D barcode scanner features an ergonomic design made of high-quality ABS, enabling it to withstand repeated drops from 5 ft/1.5 m high onto the concrete ground; The durable plastic material ensures a long service life
How does a merchant start accepting UPI?
NPCI describes onboarding as a bank-led process. The merchant partners with an acquiring bank, which provides the UPI infrastructure and manages due diligence, compliance, onboarding and configuration. Configuration can include the merchant identifier, merchant category code (MCC), UPI ID, account details and integration type; the acquirer assigns the MCC based on the business category. See NPCI’s UPI FAQ.
NPCI lists four acceptance integration modes. The choice depends on the checkout setting and the provider’s supported implementation, not on a published NPCI ranking of price or performance. NPCI’s FAQ describes the modes and QR use.
Rank #3
- 【Plug and play barcode scanner】 The 2D handheld barcode scanner has simple installation with any USB port and Ideal for businesses, shops and warehouse operations. Its function is unbeatable and easy to use, design is stylish.no need to download any software and programs, open Word and Excel and scan, just like virtual keyboard input.
- 【2D Image Scanning Technology】JRHC 2D barcode reader is equiped with advanced Image sensor, which can quick capture 1D/2D codes from paper and screen, that can read even deformed barcodes, i.e. smudged, damaged, fuzzy, reflective barcodes, etc. Reading faster and more accurate than laser scanner.
- 【Drop-proof and easy to operate】The shape of the bar code scanners readers is ergonomic, and the exterior is made of ABS material, which can withstand a 1.5M drop to the concrete floor; and the code scanner is easy to install and stylish in design. USB barcode scanner is retailed by supermarket library express companies Ideal for store warehouses.
- 【Supported 1D/2D Bar Code】 1D Decode Capability: UPC-A, UPC-E, EAN-8, EAN-13, ISSN, ISBN, Code 128, GS1-128, Code39, Code93,Code32, Code11, UCC/EAN128, Interleaved 2 of 5, Industrial 2 of 5, Codabar(NW-7), MSI, Plessey, RSS, China Post, etc. 2D: QR, DataMatrix, PDF417, Aztec, Micro PDF417,etc.
- 【Widely Use Range】The JRHC Handheld USB barcode scanner can be used in supermarkets, convenience stores, warehouse, library, bookstore, drugstore, retail shop for file management, inventory tracking and POS(point of sale), etc.
| Mode | What to clarify with the acquirer |
|---|---|
| QR | Where the customer scans it and whether the QR carries the merchant’s UPI ID and payment amount. NPCI says those details can appear on the customer’s payment screen after scanning. |
| Intent | How the checkout hands the customer into a payment app in a website or app flow. |
| Application-based | What integration and configuration the merchant’s application requires. |
| Collect | How a payment request is presented to the customer and how the merchant checks its status. |
The latter three descriptions are practical questions for choosing and implementing a mode; NPCI’s cited FAQ lists the modes but does not provide comparative price or performance results. For any option, clarify onboarding requirements, settlement destination, reconciliation, refund and dispute workflows, support, and separately disclosed service terms with the provider.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What happens if a payment is pending, failed or needs a refund?
Refunds
NPCI says a merchant should ask its bank to refund the charged amount through the defined process. The FAQ does not establish a universal merchant refund timeline, so ask the acquiring bank how to initiate a refund and how to track it. NPCI’s FAQ also directs merchants to their acquiring bank for grievances and transaction-status checks.
Rank #4
- 【Unique Designed Screen Setting】It allows you to customize the screen display according to your preferences. With this innovative feature, you can easily set the language, adjust volume settings, select connection options, and view stored and total barcodes. Experience unparalleled convenience and flexibility as you personalize the settings of your Tera HW0009 to suit your specific needs. 【Package Includes: Barcode Scanner x1, Charging Cradle x1, Charging Cable x1, User Manual x1】
- 【Superior Global CMOS Imaging Scanning】This advanced scanner excels in fast and accurate reading of both ordinary and high-density barcodes, including challenging formats like PDF417 found on driver's licenses. Its exceptional performance effortlessly handles various scanning scenarios, including underwater scanning, reading barcodes on silver paper, reflective materials, and more.
- 【Charging Cradle & 2500mAh Large Battery】Designed with a convenient charging cradle, the HW0009 barcode scanner allows you to easily charge it whenever it's not in use. In addition, the scanner itself is equipped with a powerful 2500mAh battery, ensuring seamless all-day operation without the need for frequent charging.
- 【3-in-1 Connections & Widely Compatible】 Tera HW0009 wireless barcode scanner can work with bluetooth & 2.4G wireless & usb wired. The transmission distance can be 328ft in barrier free environment and 114ft in obstacles environment using 2.4G USB dongle. It can be connected with a variety of devices, such as smartphones, computers, POS, tablets. In addition, it is also compatible with various operating systems, such as windows 11/10/8/7/xp, Mac OS, iOS, android, linux.
- 【1D 2D QR code Programmable】2D: QR code, Data Matrix, PDF417(including PDF417 on driver’s license), Aztec, Maxicode, Micro QR, Micro PDF417; 1D: UPC/EAN, Code 128/EAN128, GS1-128, ISBT-128, Standard 2 of 5, Matrix 2 of 5, Code 39, Code 32, Code 93, Code 11, Codabar, PLESSEY, MSI, GSI Databar, ITF-14, GS1.
Pending or failed payments
NPCI’s FAQ says a failed debit is refunded, although the timing can take longer than intended. It also says a payment pending at the beneficiary bank end will reach the beneficiary within 48 hours once the bank completes its daily settlements. These are payer-side FAQ statements, not a merchant-acquiring service-level agreement or a promise about merchant payout or refund timing. For a merchant transaction-status issue, follow the acquiring bank’s process.
Do UPI settlement-cycle changes mean merchants get paid ten times a day?
No such merchant payout promise follows from NPCI’s operational settlement-cycle notices. NPCI published a September 2025 circular describing ten UPI settlement cycles per day, followed by an October 29, 2025 addendum revising the effective date for segregated authorization and dispute cycles to December 15, 2025. These notices concern inter-member settlement operations, not a guaranteed number of payouts to an individual merchant. The circulars are the September 2025 notice and the October 2025 addendum.
Quick wins for a faster PC:
Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →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.
