印度取消 UPI 和 RuPay 數位支付手續費
India eliminates fees on UPI and RuPay digital payments
Updated at: September 16, 2026 at 04:15 AM
印度的數位支付領域正邁入成熟的新階段。
India's digital payment landscape is entering a new phase of maturity.
截至2026年10月15日，政府正在引進一項審慎的調整，以確保此基礎設施的長期永續性。
As of October 15, 2026, the government is introducing a measured adjustment to ensure the long-term sustainability of this infrastructure.
在新框架下，僅針對超過2,000盧比的個人對商家(P2M)UPI交易徵收0.4%的商家折扣率(MDR)。
Under the new framework, a 0.4% Merchant Discount Rate (MDR) will apply only to Person-to-Merchant (P2M) UPI transactions exceeding ₹2,000.
重要的是，政府強調普通消費者仍受到保護，因為這些費用不能轉嫁給他們。
Importantly, the government has emphasized that everyday consumers remain protected, as these fees cannot be passed on to them.
此外，所有個人對個人(P2P)轉帳、2,000盧比以下的小額商家交易及RuPay簽帳金融卡支付均保持全額免費。
Furthermore, all Person-to-Person (P2P) transfers, small merchant transactions under ₹2,000, and RuPay debit card payments remain entirely free.
這項策略性轉變認識到，儘管早期的「零手續費」時代對增長至關重要，但支付生態系統現在需要資金來支持網路安全和技術創新。
This strategic shift acknowledges that while the initial 'zero-fee' era was essential for growth, the payment ecosystem now requires funding for cybersecurity and technological innovation.
預計僅有約4%的商家交易會受到影響，此舉在小型企業的需求與維持印度經濟運作的數位網路的財務需求之間取得了平衡。
With only about 4% of merchant transactions expected to be affected, the move balances the needs of small businesses with the financial requirements of the digital networks that keep India’s economy moving.
