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    Fee Structure Explained

    In a comprehensive briefing, NPCI chief Dilip Asbe outlined the architecture of the forthcoming MDR regime for UPI payments. The scheme designates that the bulk of the revenue generated from the new fees—specifically 80 %—will be collected from high‑turnover businesses with annual revenues exceeding ₹1 000 crore. The remaining 20 % will stem from smaller merchants and other participants. This tiered method, Asbe explained, aims to align the fee burden with the capacity of transaction participants.[2]

    Limited Exposure for UPI Users

    NPCI also emphasized that the overall exposure for UPI users will remain low, with only 10 % of the total UPI transaction value at risk of MDR charges. This cap ensures that the fee impact on everyday consumers stays nominal, despite the broad application of the new regime across the platform.[2]

    Corporate Absorption of Costs

    According to NPCI, the burden of most of the proposed MDR fees will ultimately be shouldered by corporate service providers who facilitate UPI transactions. As the primary recipients of the fee revenue, these corporates are expected to factor the costs into their service pricing models and operational overheads.[2]

    Comprehensive Roll‑Out Overview

    In a detailed announcement, NPCI CEO Dilip Asbe provided a complete A‑to‑Z breakdown of the new fee framework, outlining the eligibility, calculation mechanics, and payment timelines for all stakeholders. While the full operational roadmap is slated for release later that month, the message was clear: the MDR regime is designed to be transparent, equitable, and proportionate to the size and transaction volume of participating entities.[1]

    Version and update history
    1. Version 1 · — Initial source-grounded generation