Who is the merchant?
Shop or app
Fuel, rail, telecom, insurance
Mutual fund or broker
Small QR vendor
One payment of
Such payments a month
Merchant fee as % of the payment, by payment size
UPI
Debit card, up to 0.90%
Credit card, 1.5% to 2.5%
Fee on this payment
Fee a month
Share of payment
Source: Finance Ministry FAQs, Sep 2026. Amount and count are your guesses.