UPI Charges | Fuel Payment, Phone Purchase, Restaurant Bills: UPI Charges Explained

Is the era of free click-and-pay transactions over in India? Yes and no. It depends on who you are and how much money you are sending or receiving. If you are a customer, you pay nothing. It remains absolutely free. There is no exception. If you are a merchant, you pay a nominal 0.4% charge on receiving above Rs 2,000 in one go, with an upper limit of Rs 300. The charge is fixed at Rs 5 on some transactions like railway ticket booking and fuel payments. If you are sending money to a friend or any other individual, it remains free. You are shielded if you are an ordinary customer. Your small transactions at the grocery store or fuel pump will see no change. You pay nothing extra. If the bill is above Rs 2,000, the merchant pays