Q1. Balei la wanrah mynta ïa kane ka Merchant Discount Rate (MDR)?
Jubab: Ka UPI ka pyntreikam da ki billion tylli ki jingsiew man la u bnai. ÏA ka MDR la sam tang hapdeng ka kam UPI, ban bei tyngka shuh shuh ha ka bor jong ki jingdon jingem ban ïaineh, ka jingsaiñdur thymmai, ka jingshngaiñ ha ka kam cyber (ban ïada ia ki jingdon jingem jong ka UPI bad ki bank bad ki bymdei ki bank) bad ka jingshakri ia ki nongpyndonkam. Ka UPI kadei ka rukom siew ba la shna ha la ka ri, bad ka jingbuh jingsiew (MDR) ka khamduna shibun ban ïa kiwei pat ki lad siew kum ki Credit Card, ki Debit Card, ki Wallet bad kiwei kiwei. Ia ki jingsiew la buh ha ka dor kaba jem bad kan treikam tang na ka bynta ki jingsiew kiba palat ia ka T. 2,000 ban pynthikna ba ka UPI kan dang long ka rukom pdiang ia ki jingsiew kaba jem dor.
Q2. Hato ki jingsiew UPI kiba duna dor kin shah ktah?
Jubab: Ym don jingktah ïa ki jingsiew UPI kiba duna dor haduh T 2,000, kiba kynthup ia palat 95% na ka jingbun jong ki jingsiew UPI (P2M). Ka jingthmu ban buh ia ka MDR kaba jemdor ka long ban pynthikna ba ka UPI kan dang long, kaba lah ban ioh bad kaba suk na ka bynta ki jingsiew ba man ka sngi katba ka kyrshan ia ka jingpynneh pynsah kaba jrong samoi ia ka kam.
Q3. Kaei ka MDR kaba la wanrah na ka bynta ki nongkhaïi ha ki jingsiew UPI?
Jubab: Yn wanrah ïa ka MDR kaba 0.4% ha ki jingsiew UPI Person-to-Merchant (P2M) kiba palat ïa ka T. 2,000/-. Na ka bynta ki jingsiew baT.75,000/- shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Q4. Kumno ka UPI MDR ka ïanujor bad ki MDR tynrai jong ka Debit bad Credit Card?
Jubab: Ka UPI MDR ka long kaba la shna khnangba kan kham duna ban ia baroh ki jingsiew ba la pynshong nongrim ha ka bai card tynrai. Ki MDR jong ka credit card ba ryntih ki ju long naduh 1.5% haduh 2.5% na ka bynta kawei ka jingsiew, katba ki MDR jong ki debit card ki long kiba la buh haduh 0.90%. Da kaba buh ia ka UPI MDR ba sdang ha ka 0.4% ha ka jingsiew kaba palat ia ka T. 2,000 bad buh pud ia ka ha ka T.300 na ka bynta ki jingthied kiba rem, ka UPI ka dang long ka atiar pdiang ia ka jingsiew digital kaba jemdor tam na ka bynta ki kam khaii. Kane ka jingpher ha ka dor ka iarap ia ki nongkhaii ban pynduna ïa ka jinglut jingsep jong ki ha kaba pyntreikam ia ki jingsiew katba ki dang pdiang ia ki jingsiew digital.
Q5. Lano ki kyndon MDR ba la pynthymmai kin treikam
Jubab: Ka rukom treikam jong ka MDR ba la pyndep bad ka jingpynbeit pud kan treikam naduh ka 15 tarik u Risaw 2026. Kane ka por ka ai ïa ki bank kiba ïoh, ki nongpynïasoh ïa ki jingsiew, ki aplikeshon fintech, bad ki rynsan kheiñ jingkheiñ jong ki kompeni ïa ka por ba biang ban pynthymmai ïa ki kor software bad ki rukom siew jong ki.
Q6. Kumno kane ka ianujor bad ki rukom siew pisa ha ka pyrthei?
Jubab: Kiba bun ki rukom siew pisa ha ka pyrthei (kynthup ïa ki jingdon jingem Digital na ka bynta ki paidbah) ki don ki rukom kamai kiba kyrshan ia ki jingdon jingem bad ka jingsain dur thymmai. Ka rukom treikam jong ka India ka dang iaibteng ban buh hakhmat eh ia ka jinglah ban ioh, ka jingheh bad ka jingai bynta lang ia baroh.
Q7. Mano ba rai ïa ka jingpyntreikam bad jingpynjar ïa ka jingbuh pud ïa ka MDR?
Jubab: Ïa ki kyndon treikam, ki rukomai jingsiew, bad ki jingbuh pud jong ki kyrdan la rai da ka UPI bad ka Services Steering Committee, ba la khlieh da ka National Payments Corporation of India (NPCI).
Q8. Kaei ka fund bakyrpang na ka bynta ki nongkhaïi barit baria ba la tyrwa na ka MDR?
Jubab: Yn wanrah ia ka fund ba kyrpang ban ai jingïarap bad ban pynsted ia ki lad jingsiew digital ha ki jaka ba don ha ka Tier 3 – 6 ba kynthup ia ki jylla ka thain shatei lammihngi, J&K bad Ladakh bad ha ki jakaba don ha ka Tier 1 & 2, yn kynthup ruh ia kino kino ki Scheme ba la pynbna na ka Sorkar Pdeng (kumka PM SVANimakardhi, PM Vishwakarma bad kiwei kiwei). Ia kane ka pisa yn pyndonkam ruh ban ai jingiarap pisa sha kiba don bynta ha ka kam na ka bynta ka jingpynrung kyrteng ia ki nongkhaii bad ban ai jingmyntoi ia ka jingkiew jong ki jingsiew UPI hapdeng ki nongkhaii barit baria kiba la don lypa.
Q9. Kumno ka fund bakyrpang ba la tyrwa ka ïarap ïa ki nongkhaïi barit baria?
Jubab: Ka fund bakyrpang ba la tyrwa kan kyrshan ia ka jingpyniar ia ka jingpdiang ia ka UPI hapdeng ki nongkhaii barit baria da kaba ai jingiarap pisa ban ioh ia ki bank / ki nongpyniaid jingsiew na ka bynta ki jingthmu ban pynrung ia ki nongkhaii bad ai jingmyntoi na ka bynta ki jingsiew UPI kiba mih na ki nongkhaii barit, khamtam ha ki jaka nongkyndong, ki jaka ba don ha ka tier III bad sha kiwei kiwei. Kane kan iarap ban pynshlur ia ka jingpyndonkam kaba iaineh, ban kyntiew ia ka jingrung jong ki jingsiew digital, bad ban pynsted ia ka jingkynthup lang ia ki kamba rit baria ha ka rukom siew digital. Ïa ka rukom treikam kaba bniah ynsa pyndep hadien ka jingïasyllok bad ka Reserve Bank of India (RBI) hapoh ki lai bnai ban wan.
Q10. Balei ba tang ka jingshaniah ha ki jingai jingïarap jong ka sorkar kam pat biang na ka bynta ka UPI?
Jubab: Ka jingai jingmyntoi/ jingiarap pisa jong ka sorkar man la u snem, watla ka ïarap ban pynsted ia ka jingpyndonkam kloi ia ki lad digital, la saindur kum ka jingpynbiang pisa kaba lyngkot samoi ban ia ka lad kaba neh ban siew bai lut ksan ia ka jinglut jong ki kam ai jingsiew. Ki jingkhein jong ki karkhana ki pyni ba ka jingpynneh ia ki jingtreikam jong ka jingsiew UPI, ka server bandwidth, ki rukom iada na ka jingleh thok, bad ka jinglut jong ki bank na ka bynta ki jingkyrshan ha ki kam teknikal ka long kumba ~T.20,000 klur man la u snem. Ka jingshaniah tang ha ka jingmang pisa ka wanrah ia ka jingbym thikna ha ka jingbei pisa bad ka khanglad ia ki jingbei tyngka ba jrong samoi ha ka teknoloji da ki bank bad ki fintech. Ka jingkylla sha ka rukom treikam kaba pynshong nongrim ha ka jingiaid iew bad kaba don u pud ka pynbiang ia ka pisa kaba ryntih na ka bynta ka jingbteng ka jingsaindur ha ki kam teknikal.
Q11. Kumno kane ka sienjam kan kyntiew ïa ka jinglah ïakhun ha ka iew hapdeng ki nongpynïaid ïa ki app ai jingsiew?
Jubab: Ka jingwanrah ia ka rukom khaii kaba lah ban iaineh ka pynshlur ia ki startup bathymmai ba iadei bad ka fintech bad ki kompeni teknoloji ban rung sha ka jingsiew digital. Haba ka jingpyntreikam ia ka jingsiew ka treikam hapoh ki jinglong zero-MDR, tang ki kompeni tech kiba bun ka pisa ki lah ban pynneh ia ki jingduhnong ha ka jingtreikam kaba jrong samoi. Ka rukom kamai kaba lah ban sngewthuh lypa ka pynbeit ryntih ia ka kam, kaba ailad ia ki startup kiba rit, kiba thymmai ban iakhun, ban shna ia ki software bakyrpang na ka bynta ka jingsiew, bad ban pyniar ia ka jinglah ban ioh pisa. Ka jingkiew jong ka jingiakhun ha ki iew ki hat ha kaba kut ka ialam sha ki jingshakri kiba khambha, ka jingshaniah ha ka app kaba khambha, bad ka jingjied kaba kham bun na ka bynta ki nongpyndonkam.
Q12. Kumno kane ka polisi ka pynthikna ïa ka jingkhlaiñ jong ka cyber security pyrshah ïa ki jingma kiba dang mih?
Jubab: Ka jingiohnong lyngba ka MDR ka lah ban bei tyngka ha ki jingdon jingem ba iadei bad ka jingshngain ha ka kam cyber, ka jinglap ïa ki jinglehthok ba la pynïaid da ka AI, ki jingpynbha ïa ka encryption bad kiwei kiwei.
Q13. Katno ka UPI ka la nangkiew ha ka pyrthei haduh u snem 2026?
Jubab: Haduh u snem 2026, ka jingtreikam jong ka UPI ha ka pyrthei ka la nangkiew bha, da ki jingshakri ai jingsiew kiba treikam mardor ha kylleng ki 11 tylli kiwei kiwei ki ri. Ka jingtei ia ka nongrim kaba shngain bad kaba lah ban pynneh pynsah dalade hapoh ka ri ka pynskhem ia ka bynta jong ka India kum ka nongialam ha ka pyrthei ha ki jingdon jingem digital ba iadei bad ka kampisa tyngka.
Q14. Katno ka jingbun jong ka jingsiew jong ka UPI mynta bad ka jingthew jong ka bad balei ka donkam ban long kaba lah ban pynneh pynsah dalade?
Jubab: Da kaba pyni ia ka jingpdiang paidbah kaba ym pat ju jia mynno mynno ruh, ka UPI ka la pyndep ia ka jingsiew kaba phylla kaba 2,451 klur kaba la shongdor haduh T.29.9 lak klur tang ha u bnai Nailar 2026. Kane ka jingbun ka pyni ia ka bynta jong ka UPI kum ka kor bakongsan kaba iadei bad ka pisa jong ka ioh ka kot jong ka India, kaba pyniaid ia ki spah million ki jingsiew man ka sngi. Ban pyniaid ia kane ka jingheh ka donkam ia ki jingdon jingem ba heh jong ki server, ki kam telecommunication ba stet, ka jingpeit bniah ia ka jingshngain ha ka kam cyber ba bun bynta, bad ki software bakyrpang jong ki bank. Kine ki jingkhein jong ka jingsiew ki pynskhem balei ba ka jingwanrah ia ka rukom bei tyngka kaba lah ban pynneh pynsah dalade ka long kaba donkam ban pynthikna ia ka jinglong shngain jong ka kam.
Ka Bynta kaba 2: Ki nongpyndonkam
Q15. Hato ki riewpaidbah kin hap siew na ka bynta ban siew lyngba ka UPI?
Jubab: Em, ki jingshakri jong ka UPI kin dang bteng khlem kano kano ka jinglut ia ki nongpyndonkam. Ki nong pyndonkam ki lah ban bteng ban pyndonkam khlem jingsiew da kaba pyndonkam ïa ka UPI kumba ki la leh haduh mynta.
Ki nongpyndonkam kiba siew lyngba ka UPI kin ym mad ïa kano kano ka jinghap siew. Ki briew kiba don account ki lah ban bteng ban pyndonkam ia ki UPI application na ka bynta baroh ki kamba man ka sngi, ki jinglut ba man ka sngi khlem da khuslai shaphang kino kino ki jingsiew. Ka MDR policy ka pynthikna ba ka UPI kan dang long kaba ym donkam jingsiew bad kaba lah ban ïoh da baroh ki nongshong shnong ha kylleng ka ri India.
Q 16. Hato don kano kano ka jingsiew na ka bynta ki jingsiew Person-to-Person (P2P) jong ka UPI kum ka jingphah pisa sha ki paralok, kiba haïing hasem, lane ki briew ba ithuh?
Jubab: Em, ki jingsiew P2P kin dang iai bteng ban long kiba khlem jingsiew na ka bynta u nongsiew bad kumjuh ruh u nongioh jingmyntoi. Yn ym don jingsiew na ka bynta uno uno u briew uba phah ne pdiang ia kano kano ka pisa sha ne na uno uno u briew (lane wat kiba phah hi shalade) da kaba pyndonkam ia ka UPI.
Lada phi phah pisa sha u dkhot jong ka longïing, phi iasiew lang ïa ka bill bad ki paralok, lane phi phah pisa shalade ha ki bank account ba la pynïasoh jong phi, ym don jingsiew eiei. Ki nongshong shnong ki lah ban phah pisa laitluid ha ka UPI ia kano kano ka pisa ba la ai jingmynjur khlem da siew ia kano kano ka bai phah pisa.
Q17. Hato ki App jong ka UPI kin sdang ban shim ïa ka Platform Fee ha ki jingsiew UPI?
Jubab: Em, ki nongpynbiang ia ka UPI App kim dei ban shim ia ka Platform Fee lane kano kano ka jingshim pisa na ka bynta kano kano ka jingsiew kaba la leh lyngba ka UPI. La khang pyrshah ia ki UPI application ban shim ia ka platform fee ha ki jingsiew UPI.
Q18. Hato ki dor jong ki nongthied kin kiew ha ki dukan lada ki nongkhaïi ki sdang ban siew ïa ka jingsiew kaba duna?
Jubab: Em, ka jingkylla jong ka iew bad ki jinglong jingman jong ka jingsiew ki pyni ba ki nongkhaii ki pdiang ïa ki jinglut jingsep barit ha ka kam digital ban kyntiew ïa ka jingbun ki kam. Ia ki jinglut jingsep ha kabap diang ia ka jingsiew la khein kum ki jinglut jingsep ba barabor kiba la pyndap da ka jingkiew jong ki nongpyn donkam, ka dor kaba kham heh, bad ka jingpynduna ia ki jingma ha ka jingpyniaid ia ka pisa. Namar ba ka UPI MDR ba la tyrwa ka kham duna shibun ban ia ka bai credit card bad ka treikam tang halor ki kyndonba la buh kyrpang jong ka jingsiew, ki nongdie dukan kim ioh jingmyntoi da kaba pynkiewdor ia ki dor ia ki mar. Ki nongthied kin dang bteng ban siew ia ka dor ba la buh thikna na ka bynta ki mar bad ki jingshakri.
Q19. Hato ngan donkam ban siew eiei haba nga scan ïa u QR code ha u nongdie dukan?
Jubab: Em, ka jingscan ïa ki QR code ha ki iew ki hat, ki nongdie jingdie ha surok, lane ki dukan barit bariakan dang long ka bym donkam jingsiew na ka bynta ki nongthied. Ka liang jong ki nongthied ha kaba iadei bad ka QR kam donkam ban siew eiei, khlem da khein ia ka dor thied. Ia kane ka policy la shna khnang ban iada ia ki jingthied barit ba man ka sngi kum ki jaka die sha, bad ki jingpynkitmar ha ka thain na kano kano ka jingban khia jong ka jinglut. Ki nongthied ki lah ban bteng ban scan ia ki QR code da kaba shaniah pura ba yn ym don ka jinglut.
Q20. Hato ki don ki jingpynbeit ïa u pud man ka bnai ha ki jingsiew UPI ba pyndonkam ei ki nongthied?
Jubab: Em, ym don ki jingbuh pud man u bnai, ki jingpynbeit ia ka jingbun, lane ki jingpynbeit ba la buh kyrdan ha ki jingpynsiew UPI ba ym donkam jingsiew eiei na ka bynta ki nongpyndonkam. Ki nongpyndonkam ki lah ban pyndonkam katba lah ki jingsiew person-to-person (P2P) lane person-to-merchant (P2M) katba donkam ha baroh shibnai khlem da poi sha uno uno u pud jong ki jingsiew. Katba ki bank shimet bad ka NPCI ki pyntreikam ïa ki kyndon jingïada ba man ka sngi halor ki jingkheiñ jingdiah ba la lum lang (kham bunsien T.1 lak haduh T.5 lak katkum ka kyrdan jong ka jingsiew), kine ki dei ki kyndon jingiada ïa ki jingma, ym ki kyrdan jingsiew khaii. Ha kano kano ka rukom, ki nongthied kim don jinglut watla ki pyndonkam ia ka UPI katno katno sien ruh.
Q21. Hangno ki nongpyndonkam ki lah ban ïoh jingpynshisha shaphang ki jingpynbna ba thikna ha kaba ïadei bad ki jingsiew UPI?
Jubab: La kyntu jur ia ki nongshong shnong ba kin buddien ia ki jingpynbna ba la pynmih da ka Tnad kampla tyngka, ka Reserve Bank of India (RBI), lane ka National Payments Corporation of India (NPCI).
Namar ki khubor hamsaïa ha ki social media bad ki khubor kiba ïalam bakla ha kaba ïadei bad ka jingsiew bai pyndonkam, ka sorkar ka la kyntu ïa ki paidbah ba kim dei ban phah ïa ki khubor ki bym pat pynshisha. Ki jingpynbna paidbah ba la pynmih lyngba ka Press Information Bureau (PIB), RBI lane NPCI ki long kum ka tyllong bakongsan jong ka polisi pyniaid bathikna. Ki nongpyndonkam ki lah ruh ban peit ia ki jingpynbna ba la pynshisha hapoh ki aplikeshon bank ba kongsan jong ki.
Q22. Hato ka jingwanrah ïa ka MDR ka ktah ïa ki jingsiew ba khate hi kum ki bill ba siew man ka por lane ki jingsiew OTT / Mutual Fund?
Jubab: Em, ki jingbthah ban khate dalade, ba la tip kum ki UPI Mandates lane ka AutoPay, kim don ia ki jingsiew ba la buh ha ka jingsiew MDR. Ki jingsiew ba la buh da kaba pyndonkam da ki jingkhate dalade na ka bynta ki bill ba siew man ka por, ki bai pyndonkam OTT, bad baroh ki jingbei tyngka ba hap siew man ka por bad kiwei kiwei kin ym siew ia kano kano ka jingsiew MDR ba la buh na ka bynta ka jingsiew.
Ka bynta kaba 3: Ki Micro Merchant (P2PM) bad ki nongkhaïi barit baria
Q23. Hato ki nongdie jingdie barit baria (P2PM) kin hap siew MDR ha ki jingsiew UPI?
Jubab: Em. Ki nongkhaii barit baria kiba treikam hapoh ka P2PM kin bteng beit da ka zero MDR. Kine ki dei ki nongdie jingdie kiba rit baria kiba ioh pisa haduh 1 lak shibnai lyngba ka UPI QR sha ki account jong ki. Ka kyrdan P2PM ka kyntiew ia ka jingpdiang ia ka jingsiew digital hapdeng ki nongkhaii barit bad ha ka bynta jong ki nongkhaii bym pat ioh jingithuh.
Nalor kata, ki nongdie jingdie barit baria ki treikam hapoh ki jingpyniapher ba kyrpang jong ki nongdie jingdie kiba rit baria (P2 PM), kiba iada ia ki na ki jingsiew bai khaii. Ka rukom treikam jong ka MDR ka long kaba la shna kyrpang ha ka rukom ba ki kam barit baria ha ka kam die mar bym pat ioh jingithuh ki lah ban pdiang ia ki jingsiew digital khlem kano kano ka jingpynduna ia ka jingioh nong.
Q24. Kaei ka rukom treikam jong ka P2 PM bad kumno ka ïada ïa ki nongkhaïi kiba rit baria?
Jubab: Ka rukom treikam Person-to-Person-Merchant (P2PM) ka dei ka kyrdan account ba kyrpang ba la wanrah da ka NPCI ban kyrshan ia ki nongdie jingdie barit baria kiba ioh ia ka jingsiew beit beit sha la ki jong ki bank account shimet. Hapoh ki kyndon jong ka P2PM, ki nongkhaïi barit baria kiba ïoh haduh T.1 lak shibnai lyngba ki UPI QR code ki ïoh ïa ka zero-MDR kaba donkam. Kane ka jingpyniapher ka pyniasoh ia ki jingpynbeit jong ki nongdie jingdie ha surok ki bym pat ioh jingithuh bad ki nongkhaii ba la ioh jingthuh kiba ioh ia ki account, kaba pynthikna ia ka jinglut kaba ym donkam jingsiew na ka bynta ki kam barit baria. Ka kyntiew ia ka jingpdiang ia ka jingsiew digital ha kylleng ki kam bym pat ioh jingithuh.
Q25. Hato ki nongkhaïi barit baria ki donkam ban pynbha ne pynkylla ïa ki QR code kiba la don lypa?
Jubab: Em. Ki jingdon jingem ba iadei bad ki QR kiba la don lypa kin dang treikam kumba ju long. Ki nongkhaii kim donkam ban bujli, pynrung kyrteng biang, ne pynkylla ia ki jaka buh QR ne ki sounbox ba la don lypa jong ki. Baroh ki UPI QR code kiba la buh mynta ha kylleng ki dukan kin dang bteng ban pyntreikam ia ka jingsiewkhlem jingthut. Ki nongkhaii ki lah ban ioh ia ki jingsiew jong ki nongthied lyngba ki jingpynbeit ba la don lypa jong ki khlem da hap leit sha ka tnad bank ne pynthymmai ia ka software.
Q26. Kaei kaba jia lada u nongkhaïi barit baria u ïoh ïa ka jingsiew kaba palat ïa ka T. 2,000?
Jubab: ïa ka jingpyndonkam ia ka MDR la pynbeit da ka jingpynïabynta ïa ki account jong ki nongkhaii baroh. Ka jingpdiang ia ka jingsiew kaba palat ia ka T. 2,000 kam buh jingsiew ia u nongkhaii barit baria uba treikam hapoh ki kyrdan ba lait kum ka P2 PM.
Yn wanrah ia ka MDR kaba 0.4% ha ki jingsiew UPI Person-to-Merchant (P2M) kiba palat ia ka T. 2,000/-. Na ka bynta ki jingsiew ba T.75,000/- shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Q27. Lano yn pyndep ïa ka rukom treikam kaba bniah na ka bynta ka fund jong ki nongkhaïi barit baria?
Jubab: Ia ka rukom treikam kaba bniah na ka bynta ka fund ba kyrpang na ka bynta ki nongkhaii barit baria yn sa pynbeit da ka jingiasyllok bad ka Reserve Bank of India (RBI) hapoh ki lai bnai ban wan. Kane ka jingtreilang kan pyni ia ki kyndon bathikna jong ka jingai pisa, ki jingthmu ba kongsan jong ka thain, bad ki rukom ai jingmyntoi ia ki nongkhaii. Ki jingiamir jingmut bad ki nongshim bynta kin pynthikna ba ka skhim kan weng ia ki jingeh ha ka jingsam mar ha ki shnong ha ka rukom kaba biang.
Q 28. Hato u nongkhaïi barit baria u donkam ban pynrung kyrteng ïa ka GST ban ïoh jingmyntoi na ka zero MDR?
Jubab: Em, ka jingpynrung kyrteng GST kam donkam na ka bynta u nongkhaii barit baria ban ïoh ia ki jingiada zero MDR ha ki jingsiew UPI. Ka jingbit ban ioh ia ka jingpyntreikam kaba ym donkam jingsiew eiei hapoh ka kyrdan P2PM la pynbeit da ki jingthew jingkhein ba man u bnai (haduhT1 lak shibnai) bad ka bank account.