UPI Charges Rumour: Your Payments Stay Free in 2025
The government confirmed that UPI will remain free for consumers. Some fee talk was about large merchant transactions, not your daily Paytm or GPay payment to the local kirana or friend.
Indians do 500+ crore UPI transactions monthly — that's more than ₹20 lakh crore moved for free every month.
Your UPI payments stay free — here's what actually changed
Key Takeaways
Ignore viral WhatsApp forwards claiming UPI will charge ₹X per transaction — verify any fee news only on RBI.org.in or pib.gov.in before believing it.
Check that your UPI app (Google Pay, PhonePe, Paytm) is from an NPCI-authorised payment service provider — scam apps exploit fee rumours to steal credentials.
If you run a small business, confirm with your payment aggregator that your MDR (merchant discount rate) on UPI is still zero — any aggregator charging you for UPI acceptance is violating current rules.
The government confirmed that UPI will remain free for consumers. Some fee talk was about large merchant transactions, not your daily Paytm or GPay payment to the local kirana or friend.
Here's what happened: The government publicly confirmed that UPI transactions will remain free for consumers, pushing back on widespread rumours of incoming charges.. Any fee discussion in policy circles has been limited to high-value merchant-side transactions — not everyday person-to-person or small shop payments.. The zero-MDR regime, which prohibits merchants from being charged for accepting UPI, continues to be in force as government policy..
What you should do: Ignore viral WhatsApp forwards claiming UPI will charge ₹X per transaction — verify any fee news only on RBI.org.in or pib.gov.in before believing it.. Check that your UPI app (Google Pay, PhonePe, Paytm) is from an NPCI-authorised payment service provider — scam apps exploit fee rumours to steal credentials.. If you run a small business, confirm with your payment aggregator that your MDR (merchant discount rate) on UPI is still zero — any aggregator charging you for UPI acceptance is violating current rules..
NPCI's official UPI fee schedule is publicly available at npci.org.in — bookmark it so you can fact-check any 'new UPI charge' rumour in under 60 seconds.
For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.
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- [1]“Govt's Big Clarification On UPI Charges, Payments To Remain Free For Consumers” NDTV Profit - Latest · 8 Aug 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.