A merchant discount rate of 0.4 % applies to digital shop payments over 2,000 rupees.
Fees for payments of 75,000 rupees or more are limited to a maximum of 300 rupees.
Essential sectors such as railways, telecommunications, insurance, fuel and agricultural inputs pay a flat 5‑rupee fee per transaction.
Collected fees are shared with banks, payment service providers, and app developers to support technology and infrastructure.
Transactions above 2,000 rupees will incur a 0.4 % fee, capped at 300 rupees for very large payments, while essential services pay a flat 5‑rupee fee.
All person‑to‑person and small merchant payments remain free, and the collected fee will be distributed among banks, payment service providers, and app developers to fund technology and infrastructure.
The measure aims to keep digital payments safe, seamless, affordable and widely accessible across the country.
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