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India Proposes Amendments to Allow Merchant Discount Rates on UPI Transactions

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India Proposes Amendments to Allow Merchant Discount Rates on UPI Transactions

Analysed 4 Aug 2026·11 sources analysed·Bangalore, India·Business
India Proposes Amendments to Allow Merchant Discount Rates on UPI TransactionsPreviousNext

The Indian government has proposed amendments to the Payment and Settlement Systems Act, 2007, to enable merchant discount rates (MDR) on Unified Payments Interface (UPI) and RuPay debit card transactions, primarily targeting large merchants. This move aims to create a sustainable funding model for digital payments infrastructure amid rising costs. While consumers are not expected to bear fees, merchants with high turnover may face charges. The proposal has sparked mixed reactions, with some users indicating they might reduce UPI usage for high-value transactions if MDR is imposed.

Political Bias
0%84%16%
Sentiment
54%
TBN's observations

First-hand measurement across 11 sources

We measured how 11 outlets covered this story. Coverage leans balanced overall (Left 0%, Centre 84%, Right 16%). Overall sentiment is neutral (54/100). Lens Score 43/100.

Outlets measured: mint, news18, economictimes, economictimes, economictimes, mint, mint, indianexpress, and 3 more. See how each one headlined and framed the same story in the source comparison below.

AI analysis of 11 sources · Published under editorial oversight by The Balanced News
Analysed 4 Aug 2026· How this analysis is produced· Editorial standards· Corrections

AI Analysis

Political bias across 11 sources
● Left 0%● Center 84%● Right 16%

All 2 outlets scored close to centre on political lean. The real divergence here is in emphasis, not lean — compare the headlines below to see how each outlet chose to frame the same facts.

Sentiment — Neutral (54/100)

Sentiment was consistent across outlets (50–65/100), indicating broadly factual reporting rather than editorialising.

Coverage timeline

economictimes broke this story on 3 Aug, 01:32 pm. Other outlets followed.

3 Aug, 01:32 pm11 sources · 20 h4 Aug, 10:01 am
AI analysis by the TBN Bias Engine · beat methodology byMrunal Wange· Business & Economy Editor· editorial standards byOjas Kale
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  1. 1
    economictimes3 Aug, 01:32 pm
    Govt to move amendments to IT Act to pave way for levy of MDR
  2. 2
    businessstandard3 Aug, 03:10 pm
    Payments Act amendment may open door to future UPI merchant charges
  3. 3
    thefinancialexpress3 Aug, 03:49 pm
    Bill to enable UPI MDR likely to be tabled on Tuesday
  4. 4
    indianexpress3 Aug, 04:40 pm
    Government paves way for MDR fee on UPI, RuPay debit card payments to big merchants
  5. 5
    mint3 Aug, 05:37 pm
    Finance Ministry moves to enable MDR on UPI -- Here's what scrapping zero MDR provision means for UPI users Mint
  6. 6
    mint3 Aug, 05:57 pm
    Govt looks to bring back merchant fee on UPI transactions Today News
  7. 7
    economictimes3 Aug, 08:26 pm
    Payment Bill rekindles MDR hopes for large-value UPI
  8. 8
    economictimes4 Aug, 12:33 am
    Payments bill revives hopes of MDR return on large-ticket UPI transactions
  9. 9
    economictimes4 Aug, 06:47 am
    Jefferies sees Paytm, Pine Labs gaining from proposal to levy MDR on UPI transactions
  10. 10
    news184 Aug, 08:54 am
    UPI MDR: Govt Tables Bill to Allow Charges on Select Digital Payment Modes
  11. 11
    mint4 Aug, 10:01 am
    53 may stop using UPI for payments above 3,000 if MDR returns, survey claims. What are Merchant Discount Rates? Mint

Who's involved

Institutions and figures named across source coverage.

Government
CentreThe CentreParliament

Story context

Category
Business
Location
Bangalore, India
Sources analysed
11
Last analysed
4 Aug 2026
Key entities
United Press InternationalMitteldeutscher RundfunkMobile paymentIndian rupeeDebit cardInterest rateRuPayPayment systemCroreIndiaUnified Payments InterfaceLakh