UPI MDR charges: How does it compare to traditional Debit, Credit Card per transaction? Cost difference explained

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UPI MDR will apply to eligible P2M transactions above ₹2,000 from 15 October 2026. But how does its 0.4% charge compare with typical debit and credit card MDRs? Here’s a look at the transaction costs and how the charges differ across payment modes.

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UPI MDR charges: How does it compare to traditional Debit, Credit Card per transaction? Cost difference explained

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