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UPI MDR explained: P2P payments remain free, while select merchant payments above ₹2,000 may attract charges
UPI has clarified that users will not be charged MDR. Person-to-person payments remain free, while 0 MDR continues for person-to-merchant transactions up to ₹2,000. MDR may apply to specified merchant transactions above that threshold, with the charge payable on the merchant side.










