UPI fee from October 15: what changes when you pay a shop over ₹2,000
A 0.4% merchant fee arrives on larger UPI payments to businesses. Customers should not pay a rupee more, and most everyday payments stay free.
UPI & Payments
Limits, fees, refunds and staying safe with digital payments.
UPI failed but money debited? The refund deadlines banks must meet
RBI rules give banks one day to return a failed transfer, five days for a failed shop payment, and ₹100 a day in compensation if they are late.
UPI limits explained: ₹1 lakh for most, up to ₹10 lakh a day for some
Sending money to a friend is capped at ₹1 lakh a day. Paying a tax bill, an insurance premium or a holiday can go much higher, if your bank allows it.