Pynkylla ka sorkar ïa ka PSS ban pyntip ïa ki rukom siewpisa ba kyrpang lyngba ki lad electronic, UPI

Shillong, Nailur 15: Ka sorkar India ka la pynkylla ïa ka Payment and Settlement Systems (PSS) Act, 2007 kaba ai bor ïa ka sorkar ban pyntip ïa ki rukom siew pisa bakyrpang lyngba ki lad electronic ha kaba ym donkam jingsiew eiei.
Kane ka jingpynkylla ka ai ïa ka nongrim ba ïadei bad ka aiñ ban pynthikna ïa 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 don kam ïa 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 jingïamir jingmut sani da ka steering committee jong ka UPI halor ki kyndon treikam, ki rukom sam ba ïohei, bad ki jingpynbeit ïa ki kyrdan.
Ki mat ba kongsan jong ka circular ki long kumne harum, na ka bynta ki jingsiew hapdeng ki briew (P2P), kan ym don jingsiew satia, ïa 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. Ki jingsiew kin treikam tang na ka bynta ki jingsiew na u briew sha u nongkhaïi (P2M) kiba palat ïa ka T.2,000
Yn shim ïa ka MDR kaba rit kaba 0.4% ha ki jingsiew P2M kiba palat ïa ka T.2,000. Ïa kane ka komishon yn iasam hapdeng ki nongïatreilang ha ka rukom siew pisa kynthup ïa ki bank bad ki nongpynbiang ïa ka app.
Na ka bynta ki jingsiew kiba heh kaba T.75,000 shaneng, yn buh pud ïa ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Ka Railways, telecom, insurance, ki kam umphniang, ki mar rep bad kiwei kiwei kin siew ïa ka MDR kaba long T.5 na ka bynta kawei ka jingsiew kaba palat ïa ka T.2,000
Kane ka rukom siew kaba ryntih ka pynthikna ïa ka jinglong ryntih jong ka jinglut ha ki kam ai jingshakri paidbah kiba kongsan bad ki karkhana kiba duna ka jingïohnong.
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 nongkhaïi lyngba ka UPI.
Ki jingsiew sha ki mutual fund, ki security, ki stock broker, bad ki nongdie kin khring ïa ka MDR kaba rit kaba 0.02%, kaba la buh pud haduh T.300.
Kane ka jingpynduna dor ka pynshlur ïa ka jingïashim bynta jong ki nongdie mar ha ki ïew pisa ba la pynskhem.
Ki nongkhaïi kiba rit kiba ïoh haduh T.1 lak shibnai lyngba ki UPI QR code hapoh ka jingpynïapher Person-to-Person-Merchant (P2PM) kin dang lait bai MDR na ka bynta baroh ki jingsiew.
Kane ka pynïasoh ïa ki nongdie jingdie ha surok ki bym pat ïoh jingithuh bad ki nongkhaïi ba la ïoh jingithuh kiba ïoh ïa ki account, kaba kyntiew ïa ka jingpdiang ïa ki kam digital ha ka kam bym pat ïoh jingithuh.
Ym don bai lutksan: Ki nongpynbiang app UPI ki shah khang pyrshah ban shim bai lutksan lane ki jingsiew ba buhrieh. La ai jingmut ïa ki bank ban pynthikna ba ki nongkhaïi kim dei ban aiti kylla ïa ki jingsiew MDR sha ki nongthied na ka bynta ban siew UPI.
Ka jingpyndonkam bakhlem jingsiew khlem jingkut: Ym don ki jingbuh kyndon man u bnai, ki jingbuh kyndon ïa 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 khaïi.
Ka jingpeitbniah ïa ki jingtip ka pyni ba tang 4 na ka shispah na ki jingsiew jong ki nongkhaïi kin shah ktah na ka jingpynrung ïa ka MDR, namarba 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 ïoh jingïada na ki jingban khia jong ka jinglut.
Yn sdang ïa ka fund ba kyrpang na ka bynta ban kyntiew ïa ka jingpyndonkam ïa ka UPI da ki nongkhaïi barit ryngkat bad ka jingnoh synniang kaba 5% na ka jinglum MDR baroh. Kane ka sienjam kan pynïar ïa ka jingpdiang ïa ka UPI, kan pynshlur ïa ka jingpyndonkam kaba ïaineh, bad kan pynsted ïa ka jingkynthup ïa ki kam barit ha ka rukom siew digital jong ka India.
Ka rukom treikam ba thymmai jong ka MDR kan pynlong ïa ka UPI ban lah ban pynneh pynsah ïalade, kan ai jingmyntoi ban pynïar shuh shuh ha ki jaka nongkyndong bad ki jaka sor bad kan pynneh ïa ka jinglah ban ïakhun, katba ka pynthikna ba ka jingbun jong ki jingsiew kan long kaba lait na ka jingsiew.
Kane ka rai ka long ruh kaba ïadei bad ki jingai jingmut jong ka Standing Committee on Finance, kaba ha ka kaiphod kaba 32 jong ka ka la ai jingmut.