Naya UPI Rule: Ab MDR Lagega?
Suna hai, sarkar ek naya policy change soch rahi hai jisse Unified Payments Interface (UPI) transactions par Merchant Discount Rate (MDR) phir se lag sakta hai. Agar transaction Rs 3,000 se upar hua toh! Isse banks aur payment service providers ko infrastructure aur operational costs manage karne mein madad milegi. Let’s dekho aur kya naya hai.
Kya Hai Yeh MDR Ka Chakkar?
Basically, MDR transaction value par based hoga, merchant turnover par nahi. NDTV Profit ke source ne bataya ki chhote UPI payments toh shayad bach jayein, lekin bade transactions par merchant fee lag sakta hai. January 2020 se zero-MDR policy chal rahi thi, ab shayad yeh badal jaye.
Meeting Mein Kya Hua?
Pichle hafte Prime Minister’s Office, Department of Economic Affairs, aur Department of Financial Services ke beech ek meeting hui. Isme MDR framework ko lekar charcha hui.
Kyun Badlaav?
Banks aur payment service providers ne high-value digital transactions handle karne ke badhte cost ko lekar chinta vyakt ki hai. Aajkal, UPI lagbhag 80% retail digital transactions ka hissa hai. Lekin zero-MDR regime ki wajah se sector mein investment ke liye kam incentives hain.
UPI Ka Growth
2020 se UPI person-to-merchant transactions Rs 60 lakh crore tak pahunch gaye hain. Isse pata chalta hai ki market mein UPI ki kitni demand hai aur consumers ka is par kitna bharosa hai, khas kar bade transactions mein jahan service providers ko zyada cost lagta hai.
Payments Council of India Ka Suggestion
Payments Council of India ne UPI transactions par bade merchants ke liye 0.3% MDR ka prastav rakha hai. Abhi, credit aur debit card payments par MDR 0.9% se 2% tak hota hai, RuPay ko chhodkar.
RuPay Ka Kya Scene Hai?
Source ke anusaar, RuPay credit cards abhi MDR ke scope se bahar hi rahenge.
Aage Kya Hoga?
Umeed hai ki ek ya do mahine mein stakeholders se baat karne ke baad ek decision liya jayega. Isme banks, fintech firms, aur National Payments Corporation of India shamil honge. Agar yeh policy implement hoti hai, toh UPI ko badhava dene se lekar digital payments ecosystem ki long-term sustainability sunischit karne tak ek bada change hoga.
UPI Transactions Ka Record
May mein UPI transactions ne Rs 25.14 lakh crore ka record chhupa. Economy & Finance par aur padhiye NDTV Profit se.
