UPI MDR: Who decides ultimate implementation and enforcement of MDR caps? Any dedicated fund for small merchants?

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India is considering delaying a 0.4% merchant discount rate on UPI transactions above ₹2,000 until January 2027. The postponement would give payment companies time to update systems and merchants time to prepare. Person-to-person payments and smaller merchant transactions would remain free.

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UPI MDR: Who decides ultimate implementation and enforcement of MDR caps? Any dedicated fund for small merchants?

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