🇮🇳 K A L I S W A M Y. P

Proud To be Indian!!! My Country My pride!!!!Proud to be Tamilan!!!

SaveFarmers!!! Savewater!!! VOTE For India!!!

[🇮🇳 K A L I S W A M Y. P @samykalis]

தென்னாட்டுடைய சிவனே போற்றி!!! எந்நாட்டவர்க்கும் இறைவா போற்றி!!!

எங்கள் வாழ்வும் எங்கள் வளமும் மங்காத தமிழ் என்று சங்கே முழங்கு!

[🇮🇳 K A L I S W A M Y. P @samykalis]

@Y4BOff @priyankac19 The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

@NDTVProfit The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

@DDNewslive The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[Amit Malviya @amitmalviya]

UPI remains free for citizens. Period.

The Ministry of Finance has categorically put the misinformation to rest:

• No charges for UPI users, consumers will not pay transaction charges.
• P2P UPI remains free.
• No charges on everyday citizen transactions.
• Any MDR will apply only to a limited set of merchant transactions above a specified threshold.
• The vast majority of UPI merchant transactions will continue to remain free.

The amendment to the PSS Act is about making India’s digital payment infrastructure sustainable, competitive and future-ready, not about imposing charges on ordinary UPI users.

And for those manufacturing conspiracy theories about “foreign pressure”: the government has explicitly rejected these claims.

UPI was built in India, scaled in India and will continue to serve India’s digital economy without charging citizens for everyday transactions.

Another fake narrative bites the dust.

[🇮🇳 K A L I S W A M Y. P @samykalis]

@DDNewslive The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

@_RituSingh @NPCI_NPCI @UPI_NPCI @dilipasbe The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

@NDTVProfit The select merchant will pay charge from their pocket?

Govt also in the mindset of expenditure.

Govt not in the mindset of service.

How govt think Merchant will provide service?

Who provide service Govt or Merchant to people?
@nsitharaman @RBI @PMOIndia

[🇮🇳 K A L I S W A M Y. P @samykalis]

@airnewsalerts @PCIUpdates Merchant pay MDR charges from their profit? Or from their pocket?
Govt not ready to spend for UPI why force Merchant ?

Finally the cost will heads of consumers

Sooner or later its reach destination?
@RBI @PMOIndia @FinMinIndia @ANI @FinancialTimes

[🇮🇳 K A L I S W A M Y. P @samykalis]

@BJP4India Its also for charge. Why not govt take care of the infrastructure cost?

Indirectly sooner or later customer will affected..

[Jasveer Singh @jasveer10]

Charging MDR on UPI will be a massive policy mistake.

The argument sounds simple, UPI costs money to run, so charge merchants a small MDR, maybe 0.25%, customers will still pay nothing. But that's not how people behave.

Today if a shopkeeper receives 1,000 through UPI, he gets 1,000. Now put a 0.25% MDR on it, and for someone receiving 1 crore through UPI, that's 25,000 gone.

What will the merchant do? Some will increase prices, some will ask customers to pay the extra charge, and many will simply say - cash de do.

This behaviour already exists in India, just look at Amex. Because of its higher merchant fee, many merchants simply refuse Amex or make you pay the extra 2-3% yourself.

The fee is "on the merchant" on paper, in real life the cost eventually reaches the customer, directly or indirectly.

That's where the real problem starts, India spent years changing people's behaviour from cash to UPI, and MDR can slowly push that behaviour backwards, from UPI to cash.

And cash isn't free either. More cash means more ATM withdrawals, more cash deposits, more cash handling by banks, more transportation and security costs.

But there is an even bigger problem. Cash is much harder to track, with UPI almost every transaction leaves a digital record, with cash, businesses can under-report sales much more easily. So you potentially increase tax leakage and the informal economy too.

This is why saying "MDR will be paid by merchants, not customers" misses the point. The merchant doesn't exist in isolation, he will change his behaviour and eventually pass the cost somewhere else.

Yes, UPI infrastructure costs money, banks, NPCI and fintech companies shouldn't be expected to run it for free forever. But before introducing MDR, the government needs to calculate something much bigger, how much does free UPI indirectly save India.

Less cash handling, fewer ATM transactions, lower banking costs, more digital transactions, better tax visibility, less black money, more formalisation.

The cost of running UPI is visible. The money UPI saves across the economy is invisible.

That's the number we should calculate before touching MDR. Otherwise, we may save 1 on UPI and create 5 of cost somewhere else.

Don't just calculate the cost of keeping UPI free, calculate the cost of making UPI paid.

[🇮🇳 K A L I S W A M Y. P @samykalis]

@PIB_India The MDR charge will select merchant means that charges merchant will pay? Not collect from customer?
How govt ensure? @PMOIndia @nsitharamanoffc

[🇮🇳 K A L I S W A M Y. P @samykalis]

@PTI_News What are the technology investment will take care by govt. Not public or merchant. Its govt duty. Govt come out of the mindset of its expenditure. Its their duty to provide service to people. Clean organized economy. @RBI @PMOIndia @FinMinIndia @nsitharamanoffc @UPI_NPCI

[🇮🇳 K A L I S W A M Y. P @samykalis]

@IndianTechGuide The commercial transaction done by who? It's customer right?

@FinMinIndia @PMOIndia

[🇮🇳 K A L I S W A M Y. P @samykalis]

@ANI For cash transaction RBI and Banker not spending? Govt should take care of the spending.
Govt and rbi want success of UPI will continue free for everyone.. or its go side way not growth path. Must act fast by govt ans.rbi fm
@PMOIndia
@NaMo4PM @RBI @FinMinIndia

[🇮🇳 K A L I S W A M Y. P @samykalis]

@FinMinIndia @nsitharamanoffc @DDNewslive @PIB_India @PIBFactCheck @DFS_India @nsitharaman
1. No charge for user Govt Cliam

Fact :
Charge passon to Customer Merchant will do that.

Why not govt and bankers spend ? UPI reduce Note print and other cost.
Bankers also have some spending cash transaction. That amout will spend into upi expense

[🇮🇳 K A L I S W A M Y. P @samykalis]

Govt must reconsider the upi charges to merchant..its indirectly derail the UPI over the period of time..
@UPI_NPCI @PMOIndia @nsitharamanoffc @FinMinIndia @_DigitalIndia

[PMO India @PMOIndia]

UPI to remain free for consumers, says Payments Council of India
https://t.co/oLcEdIDtn4

via NaMo App

[🇮🇳 K A L I S W A M Y. P @samykalis]

@PMOIndia The UPI or any other digital credur card MDR charges will passion to yhe customer..
90 percentage of MDR charges will passon to customer only.
Small merchant large merchant they not ready bear MDR charges.
Govt want Corruption free digital economy. UPI Free all transactions

[🇮🇳 K A L I S W A M Y. P @samykalis]

Govt bring Corruption free digital economy. Need spend and provide free service. UPI charge leveied to merchant, merchant go cash transaction if customer not pay charges. How digital transaction grow ?
If your force merchant by rules, merchant asked money from customer.

[🇮🇳 K A L I S W A M Y. P @samykalis]

@FinMinIndia @nsitharaman @PMOIndia @_DigitalIndia @UPI_NPCI
Govt said the UPI charge only merchant.. Most of Merchant charge will collect from the customer..
The same UPi also in future collect from customer..
How the govt will stop that from every merchant?
Govt can assure?

[🇮🇳 K A L I S W A M Y. P @samykalis]

@FinMinIndia @nsitharaman @PMOIndia @_DigitalIndia @UPI_NPCI
Govt said the UPI charge only merchant.. Most of Merchant charge will collect from the customer..
The same UPi also in future collect from customer..
How the govt will stop that from every merchant?
Govt can assure?

[🇮🇳 K A L I S W A M Y. P @samykalis]

The After 2 days booking of gas refilling thr gas price will increase how i pay additional cost. Time of my Booking i paid the amount. The gas agency will not accept the same
Re generated the invoice and ask increased price. @PMOIndia @Haldia_Refinery @ChairmanIOCL

[🇮🇳 K A L I S W A M Y. P @samykalis]

@IndianOilcl
I am Booking house gas refilling on 05.03.2026 through onlinemode. Also make online payment for the on the same.
I received invoice generated and also DAC code.
On 07.03.26 iocl price increase. Let clarify which Amount should I pay @HardeepSPuri @PetroleumMin