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UPI and Payment Charges Updates 2026

UPI, merchant charges and other payment rules from RBI, NPCI and the Government of India, explained for shoppers and shop owners.

Woman using a smartphone on a roadside in Punjab, India, RBI digital fraud compensation rules for online paymentsPayments and UPIRBI Digital Fraud Compensation: Up to ₹25,000 From 1 Jan 2027From 1 January 2027, RBI rules make banks pay back victims of small online frauds: 85% of the loss or ₹25,000, whichever is less, once in a lifetime, for losses up to ₹50,000.1 Nov 2026Baskets of onions, tomatoes, beans and other vegetables at a roadside vegetable stall in Jayanagar, Bengaluru, India, a small shop of the kind that takes UPI paymentsPayments and UPIUPI MDR Charges 2026: Who Pays, How Much and From WhenUPI stays free for you, whether you send money to a friend or pay a shop.20 Oct 2026