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Wire · operational-macro

Only 14pc UPI users willing to bear MDR on paym…

4 October 2026 · By · Wire by Fusion42

Published

4 October 2026

Topic

operational-macro

◆ Sectors

Fintech

◆ Geography

India

◆ Source

Read at uniindia.com →

◆ Verified

Fusion42 · 4 October 2026 · Fusion42 review

A LocalCircles survey reveals only 14% of UPI users in India are willing to pay a 0.4% Merchant Discount Rate (MDR) on transactions above Rs 2,000, with most users preferring cash, cards, or bank transfers ahead of the MDR rollout on October 15, 2026.

This Wire brief sits within Fusion42's coverage of Fintech, and 45 sources have reported it between 19 Jul 2026 and 5 Oct 2026.

◆ ◆ The Wire takeaway

You must prepare for customer resistance to MDR charges on UPI payments over Rs 2,000 as most users plan to switch payment methods. Your pricing strategy and payment options need urgent reconsideration to retain digital payment users.

◆ Coverage

45 sources · first reported 19 Jul 2026 · latest 5 Oct 2026

◆ Related on Wire

◆ Topics

Fintechupimdrpaymentsfintechindia