Ka sorkar India ka la pynkylla ia ka Payment and Settlement Systems (PSS) Act, 2007 kaba ai bor ia ka sorkar ban pyntip ia ki rukom siew pisa ba kyrpang lyngba ki lad electronic ha kaba ym donkam jingsiew ei ei. Kane ka jingpynkylla ka ai ia ka nongrim ba iadei bad ka ain ban pynthikna ia ka jinglah ban siew bad ka jingshai ha ki jingsiew pisa lyngba ka lad digital.

Ha ka 14 tarik u Nailur 2026, ka Sorkar Pdeng ka la pynmih ïa ka jingpynbna hapoh kane ka phang, kaba batai shai ba ïa ki jingsiew lyngba ka Unified Payments Interface (UPI) kiba haduh T.2,000 kin yn donkam ia ka Merchant Discount Rate (MDR).

Shuh shuh, la pynmih ruh ïa ka circular ba bniah da ka NPCI ha ka 15 tarik u Nailur, 2026, hadien ka jingiamir jingmut sani da ka steering committee jong ka UPI halor ki kyndon treikam, ki rukom sam ba ioh ei, bad ki jingpynbeit ïa ki kyrdan.

Ki mat ba kongsan jong ka circular ki long kumne harum:

1. Na ka bynta ki jingsiew hapdeng ki briew (P2P), kan ym don jingsiew satia, ia ki jingsiew kiba katno katno ruh. Ki jingsiew P2P ki long 37% na ka jingsiew UPI baroh ha ka jingbun bad 70% ha ka dor.
2. Ki jingsiew kin treikam tang na ka bynta ki jingsiew na u briew sha u nongkhaii (P2M) kiba palat ia ka T.2,000

Ka rukom treikam

• Ka MDR na ka bynta ki jingsiew P2M:
  • Yn shim ia ka MDR kaba rit kaba 0.4% ha ki jingsiew P2M kiba palat ia ka T.2,000. Ia kane ka komishon yn iasam hapdeng ki nongiatreilang ha ka rukom siew pisa kynthup ia ki bank bad ki nongpynbiang ia ka app. 
  • Na ka bynta ki jingsiew kiba heh kaba T.75,000 shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
• Ka MDR kaba pura na ka bynta ki kam ba kongsan:
  • Ka Railways, telecom, insurance, ki kam umphniang, ki mar rep bad kiwei kiwei kin siew ia ka MDR kaba long T.5 na ka bynta kawei ka jingsiew kaba palat ia ka T.2,000
  • Kane ka rukom siew kaba ryntih ka pynthikna ia ka jinglong ryntih jong ka jinglut ha ki kam ai jingshakri paidbah kiba kongsan bad ki karkhana kiba duna ka jingiohnong.
  • Kum kine ki thup Industry Program ki don ka bynta kaba haduh 17% na ka jingbun ki jingsiew UPI P2M bad kumba 46% na ka dor jong ki jingsiew jong ki nongkhaii lyngba ka UPI.
• Ki jingsiew Capital market:
  • Ki jingsiew sha ki mutual fund, ki security, ki stock broker, bad ki nongdie kin khring ia ka MDR kaba rit kaba 0.02%, kaba la buh pud haduh T.300.
  • Kane ka jingpynduna dor ka pynshlur ia ka jingiashim bynta jong ki nongdie mar ha ki iew pisa ba la pynskhem.
• Ka rukom treikam P2PM na ka bynta ki nongdie jingdie kiba rit:
  • Ki nongkhaii kiba rit kiba ioh haduh T.1 lak shibnai lyngba ki UPI QR code hapoh ka jingpyniapher Person-to-Person-Merchant (P2PM) kin dang lait bai MDR na ka bynta baroh ki jingsiew.
  • Kane ka pyniasoh ia ki nongdie jingdie ha surok ki bym pat ioh jingithuh bad ki nongkhaii ba la ioh jingithuh kiba ioh ia ki account, kaba kyntiew ia ka jingpdiang ia ki kam digital ha ka kam bym pat ioh jingithuh.

Ki jingiada ia ki nongpyndonkam

• Ym don bai lutksan: Ki nongpynbiang app UPI ki shah khang pyrshah ban shim bai lutksan lane ki jingsiew ba buhrieh.
• La ai jingmut ia ki bank ban pynthikna ba ki nongkhaii kim dei ban aiti kylla ia ki jingsiew MDR sha ki nongthied na ka bynta ban siew UPI.
• Ka jingpyndonkam ba khlem jingsiew khlem jingkut: Ym don ki jingbuh kyndon man u bnai, ki jingbuh kyndon ia ka jingbun, lane ki jingbuh pud ba la buh kyrdan na ka bynta ki jingpyndonkam UPI khlem jingsiew da ki briew.
• Ki jingpynbeit ïa ka jingïada: Ki jingpynbeit ïa ka jingpynsiew man ka sngi ba la pynjari da ki bank bad ka NPCI (T.1–5 lak katkum ka kyrdan) ki dei tang ki lad jingïada ïa ki jingma, ym ki kyrdan jingsiew na ka bynta ka kam khaii.

Ka jingktah jong ki nongkhaii

Ka jingpeit bniah ia ki jingtip ka pyni ba tang 4 na ka shispah na ki jingsiew jong ki nongkhaii kin shah ktah na ka jingpynrung ia ka MDR, namar ba bun na ki jingsiew ki hap hapoh u pud T.2,000 lane ki hap hapoh ka rukom treikam jong ka zero-MDR P2PM. Kane ka pynthikna ba ki kam barit kin ioh jingiada na ki jingban khia jong ka jinglut.

Ka jingkyntiew ia ki jingdon jingem

Yn sdang ia ka fund ba kyrpang na ka bynta ban kyntiew ia ka jingpyndonkam ia ka UPI da ki nongkhaii barit ryngkat bad ka jingnoh synniang kaba 5% na ka jinglum MDR baroh. Kane ka sienjam kan pyniar ia ka jingpdiang ia ka UPI, kan pynshlur ia ka jingpyndonkam kaba iaineh, bad kan pynsted ia ka jingkynthup ia ki kam barit ha ka rukom siew digital jong ka India.

Ka Jingpynkut

Ka rukom treikam ba thymmai jong ka MDR kan pynlong ia ka UPI ban lah ban pynneh pynsah ialade, kan ai jingmyntoi ban pyniar shuh shuh ha ki jaka nongkyndong bad ki jaka sor bad kan pynneh ia ka jinglah ban iakhun, katba ka pynthikna ba ka jingbun jong ki jingsiew kan long kaba lait na ka jingsiew. Kane ka rai ka long ruh kaba iadei bad ki jingai jingmut jong ka Standing Committee on Finance, kaba ha ka kaiphod kaba 32 jong ka ka la ai jingmut ia kine harum: -

‘Ka Committee ka kwah ban ban jur ba ka jingpynbiang ia ka rukom kamai kaba lah ban pyntreikam ka long kaba kongsan ban pynthikna ba ka kam UPI kan ioh ia ka jingskhem ha ka liang ka pisa tyngka...’

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