What costs end-users for making digital payments

For millions of Indians, scanning a QR code has become the simplest way to pay. But after Parliament cleared a Bill that gives the government the power to allow charges on digital payments, consumers are asking a simple question – will they have to pay for using UPI?

Not for now. The government has said person-to-person UPI payments will remain free and any future charge would be limited to selected merchant transactions. No new UPI charge has been notified yet. The Lok Sabha passed the Taxation and Other Laws (Amendment) Bill, 2026, on August 6, creating the legal framework for changing the existing zero-charge system.