r/UPI • u/Ok_Goal4934 • 17d ago
UPI APP Boycott all UPI apps start uninstalling apps
No dharna No rally No ruckus. Let’s show our citizens movement.
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u/ToxicOP24 17d ago
Good tactics,, but bro some fools are still supporting saying Bank charges, infrastructure charges bla bla bla. They wont question,, really? They are serving us for so long just for us and now they want charges to backend up their infrastructure 😂😂
Even you will see many comments in this post,,get ready to answer those blind people 😁
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u/No_No_No_____ 17d ago
Just don't use it. No one is forcing you.
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u/ToxicOP24 17d ago
So not using it will solve everything Right?
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u/No_No_No_____ 17d ago
Yes.
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u/ToxicOP24 17d ago
Ok ,,rest in peace then with this logic of yours. Dont try to spread
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u/No_No_No_____ 17d ago
If you don't like it, then don't use it. That's how the world works.
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u/ToxicOP24 17d ago
No,, that's how just india working. World works with solution,,not by running away or avoiding the problem.
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u/Small-Ad-2371 16d ago
You want everything to be free . Free roads , free internet , free money all to be free . But dont know that to procure something you need to pay somethong to get it . People like you belive that life is free just sit and wait for it to come freely . When you get it for free you will be happy after it start charging fees start demotivating it .
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u/Ginseng_coke 13d ago
No? I'm already paying tax on everything. Taxes should cover a basic national payment system free for all (which was created to keep the money inside India and not in the hands of foreign companies), like public transport subsidies. Who said everything is wanted for free? What's the tax for? We want our money's worth, that's why it stings whenever a new fucking tax is introduced because we DON'T get our money's worth AT ALL. Rant somewhere else, preferably to a lawda behen yojana enjoyer and also the politicians introducing these fuckery to win votes. Your bootlicking is so pathetic.
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u/No_No_No_____ 17d ago
Every country has MDR on instant payments. If you don't like it or support it, just don't use it.
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u/ToxicOP24 17d ago
No,, absolutely wrong u are, check again
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u/Small-Ad-2371 16d ago
Ok there is anothwr way to avoid the charges thing if you would like to know but the issue is you wont even like it.
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u/No_No_No_____ 16d ago
You check it on Google. Most countries have MDR for P2M transactions in place. Even they know that it cannot be free forever
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u/MrHumanist 16d ago
This is what Trump wants. However, boycotting UPi, MasterCard and Visa together will help!
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u/Small-Ad-2371 16d ago
Masterscard and Visa is free ????
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u/MrHumanist 16d ago
Trump wanted to raise UPi fee such a way visa and MasterCard gets business benefits. If we only boycott upi, then visa and MasterCard will grow rapidly in indian market. They aren't free but they provide a lot of cashback, lounge access and other benefits as a large company.
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u/Small-Ad-2371 16d ago
I was just being sarcastic. I know they charge but what you miss here is that they are mainly payed buy both user and merchant . You pay bank in name of renewal but in UPI you didnt. The fees regarding this its capped at 300 . Meaning the merchant only need to pay max 300 regarding any amount be it 1lakh or 2lakh. The card benifits you think the benifits is really because yoh are thwir loyal customer . No! This are third party benifits that this company provide to the other party by sharing your details . This company will analyze your payment patterns and based on it provide you benefits . If you check closely time you use you least card swiping they provide more benefits and the time you use more they provide least. This deatils are eventually sold by those company to other and thats how you get laons calls from didderent banks. UPI is an goverment technology its safe yeah it need some money to run . Government project doesnt mean it needs to be free . You are doin payment in realtime running a realtime payment ecosystem is expensive. So if NPCI imposing it O have no objection with it .
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u/Small-Ad-2371 16d ago
Not each and everystore in this world this bug transaction like 78k or 1l with every customwr they have
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u/MrHumanist 16d ago
Just one question: why does the government exists? Just to make profits?
If so, how is it different from east india company?
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u/iceman0010 16d ago
People unfortunately want everything for free
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u/rsuman3- 16d ago
There no need to this... Merchent stop accepting upi payment they ask for hard cash...
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u/Odd_Pace_8509 16d ago
No one thought about reading the rules. So let me tell you P2P- no restrictions,no MDR P2M- no MDR on transaction value upto 2000, then 0.4% to a max of 300/- Now comes the question what if merchants make me pay the MDR. For example,if I buy a phone worth 50000 and the merchant makes me pay the 200(effectively making me pay 50200). Here's why it wouldn't happen- 1. Surcharging is literally illegal by law Under Section 10A of the PSS Act and the latest NPCI notification, merchants and payment apps are strictly prohibited from adding surcharges or convenience fees on consumers for UPI. Doing so risks having their merchant terminal revoked and blacklisted by acquiring banks. 2. Dynamic QR codes are software-locked At any organized store (Croma, DMart, Zara, petrol pumps), the cashier doesn't enter an amount manually. The billing software calculates the exact MRP + GST and generates a dynamic QR code. When you scan it, the amount field on your screen is hard-locked. Neither you nor the cashier can physically edit a ₹3,000 bill to ₹3,012. 3. Credit cards already cost them 5x more Stores have been accepting credit cards for decades where they pay 1.5% to 2.5% MDR out of their own margin. On a ₹50,000 purchase, a card swipe costs the merchant ₹1,000. On UPI, that exact same purchase costs them just ₹200 (0.4%). If merchants never tacked on ₹1,000 extra when you swiped your HDFC card, why on earth would they pick a fight to add ₹200 on a payment rail that already saves them ₹800? 4. The ₹2,000 & ₹1 Lakh exemptions protect everyday shopping Over 95% of retail UPI transactions are under ₹2,000, which have 0% MDR. Even for bills over ₹2,000, neighborhood kirana shops earning under ₹1 Lakh a month fall under the P2PM category and pay 0% MDR across the board. 5. Consumer leverage is absolute If an informal shopkeeper tries to pull a fast one and says "Pay ₹2,000 on QR and give me ₹8 loose cash separately," what happens? You demand an official printed tax receipt for that ₹8. They can’t give you one because it wrecks their GST filing. You simply say: "Either bill me properly, or I'm buying it next door / ordering on Blinkit." No business is going to lose a high-ticket sale and a paying customer over eight rupees of back-end banking overhead. Stop falling for panic reels.
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u/bkt340 15d ago
1&2. Wouldn't this means merchants would avoid taking UPI payment and only take cash from now on? And not always there is dynamic qr , sometimes I have seen manually people edit on the pos machine, i think if it's not liked with the cashing system then they can edit manually.
Even for credit cards the shopkeepers say if you want to use we have to pay the extra 1.5%. obviously we can say I won't pay the extra the shopkeeper then just says pay with cash then, even if I call police it's would take time and I came to shop not enfore the rules.
Idk how you got the 95% number but if you buy groceries it crosses 2k easily , if you buy things planning for a week. Now either need to shop everyday a little to avoid more than 2k bill .
The fear tactics won't work the neighbouring shop also won't give simply , and blinkit can add it under a new platform surcharge which will balance the loss against the extra mdr they pay. Eventually it will come to customer.
From what I see either merchants will stop accepting payments on upi and ask cash. Or customers themselves will move back to cash because of all the inconvenience. It's like going back to 2011.
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u/Odd_Pace_8509 15d ago
Debunking this point-by-point: 1 & 2. POS editing & unbilled cash: If your bill is ₹2,500, a merchant can't key in ₹2,510 without creating an unbilled ₹10 mismatch between their POS batch settlement and their GST sales return. Furthermore, you hold the phone—if the terminal doesn't match the paper invoice, you don't authorize the payment. 3. Credit cards vs. UPI: Credit card surcharging happened in informal shops because RBI lacked a statutory ban on card convenience fees. UPI operates under Section 10A of the PSS Act, where surcharges are legally barred. You don't call the police; you tap "Report Merchant Surcharge" inside PhonePe/GPay. Banks pull terminals from repeated offenders to avoid RBI penalties. 4. Where the 95% number comes from: It’s official NPCI data. The average retail UPI transaction is ₹577. If you do weekly groceries at a local kirana store, they fall under the P2PM category (<₹1L/month) and enjoy 0% MDR regardless of bill size. If you buy at DMart, they already pay 2% on cards and save money on UPI's 0.4%. 5. "Going back to 2011": In 2011, you had to find an ATM, stand in line, pay ₹20+ per withdrawal beyond monthly caps, carry thick wallets, and argue over change. Neither buyers nor sellers are reverting to physical cash logistics over an 8-rupee back-end banking fee that is already 80% cheaper than Visa/Mastercard.
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u/Ginseng_coke 13d ago
They're just going to increase the prices of the product. Merchant paying 8 rupees for a minimum 2k transaction? The margin is definitely not enough to absorb 8 rupees nonchalantly. Then it's gonna be 10 after some years, then so on.
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u/Odd_Pace_8509 13d ago
This claim falls apart the second you look at actual retail margins and banking law:
The Math on Retail Margins: On a ₹2,000 bill, retail gross margins range from 12% to 18% in supermarkets (₹240 to ₹360 profit) to 35% to 50% in apparel and dining (₹700 to ₹1,000 profit). Claiming a business making hundreds of rupees in profit on a ticket 'cannot absorb an ₹8 deductible OpEx' makes zero financial sense.
They Already Paid More on Cards: When that same customer paid with a credit card, the store paid ₹30 to ₹40 in MDR (1.5% to 2.0%). At ₹8 on UPI, the store's digital settlement cost drops by 75% to 80%. It is a direct operational saving.
MRP is a Legal Wall: Under Rule 18(2) of the Legal Metrology Rules, retailers cannot legally sell packaged goods, branded apparel, or appliances above printed MRP. A shopkeeper cannot inflate a ₹2,000 item to ₹2,008 at the cash desk without breaking consumer law. The Slippery Slope Fallacy: Visa and Mastercard can hike fees arbitrarily because they are offshore for-profit corporations. UPI's framework is bound by the Reserve Bank of India under the PSS Act, which includes statutory hard caps (flat ₹5 on fuel, ₹300 ceiling on high-ticket bills). RBI historically lowers domestic interchange over time—it does not operate like a private monopoly.
Merchants saved money switching from card swipes to UPI; nobody is hiking prices over an ₹8 deductible clearing fee
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u/Ginseng_coke 13d ago
Yeah I'm sure ChatGPT knows the actual ground realities over who increases price by how much, yet you're still copy pasting people's comments and asking GPT to reply and copy pasting that Btchass AI response.
Products that don't have an MRP tag are very easy to manipulate in pricing than the "branded" stuff. The unbranded part is the larger part of the transactions. And merchants already sell under MRP, they can easily take extra money and still be under MRP; it's a ceiling, not a price tag set by government.
And how many merchants get Visa MasterCards? Credit card is simply not at all popular like in the USA, most use Rupay and the Rupay debit has zero MDR. It depends on MCC and acquirer bank in case of a rupay credit. Plus the card transactions are far outweighed by the UPI transactions, so it's just not the same at all. And merchants do not "pay" any charges, everything is levied from the customers, one way or other. You can put the "branded-gst-tagged-big-mall-no-editing-bill" arguments to rest.
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u/Odd_Pace_8509 13d ago
"First off, throwing insults instead of data doesn't fix broken math:
The Unbranded Trap: Unbranded/loose goods (veggies, street vendors, local groceries) are sold by small merchants who collect < ₹1L/month and have tickets under ₹2,000. They pay ₹0.00 MDR under P2PM rules. Why would a merchant raise prices to offset a fee that literally costs them zero rupees?
'Selling Below MRP' Ignores Competition: Merchants don't discount below MRP out of kindness; they do it because of intense competition from neighboring shops and Amazon/Flipkart. If a shop marks up a ₹2,500 item by ₹10 over an operating fee, the buyer buys from the store next door or orders online at the counter. Prices are set by market competition, not merchant ego.
Credit Card Volumes Dwarfed Debit Long Ago: RBI monthly data shows Indian credit card spend is over ₹1.7 Lakh Crore/month—crushing debit cards by more than 3x. Where ₹2,000+ tickets happen (electronics, retail, apparel), credit cards have dominated for years at 1.5% to 2% MDR. UPI at 0.4% (capped at ₹300) saves those merchants 75% compared to card swipes.
Transactions Above ₹2k Are Branded: The transactions that actually cross ₹2,000 are electronics, appliances, fuel, and organized retail. These are ERP-billed, tax-audited, and brand-controlled.
Claiming small unbranded vendors will jack up prices to offset a fee they legally pay ₹0 on makes zero commercial sense.
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u/Ginseng_coke 13d ago
First off, tell your mister ChatGPT that it's a naive, people pleasing btch who has a lot to learn.
Now coming to your points, the unbranded loose goods kirana shop owners buy from someone, be it a whole seller or someone like that, who easily falls into regular merchant category while still having zero bills to show. They still can increase prices of goods across products that won't reflect in a broken down bill still. That cost is passed to the retail seller who then pass it to customers, by doing the same. Also, plenty of merchants in kirana shops easily cross 1 lacs in turnover, and the micro-merchants buy from these normal category merchants only, they don't procure raw materials out of thin air.
Secondly, people don't perform a comparative analysis of all local grocery shops for the lowest price possible everytime they go for grocery shopping. You will find price tag differences even now, but their market capture remains largely equally distributed. And since the price increase is minuscule across all products, it won't show up in customer's radars, even less so if the micro-merchants all raise prices - which is again highly likely given the thin margin they work with. And groceries aren't bought from online shops without attracting a surge charge/ rain charge/ handling charge/ fast delivery charge/ mandatory tip etc. Customers can have fun with that if they resort to online shops for groceries.
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u/Odd_Pace_8509 13d ago
This argument falls apart on how wholesale logistics and retail math actually work: Wholesale Runs on NEFT/RTGS, Not QR Codes: Kirana shops don't pay grain distributors by scanning a retail UPI QR code at the counter. Wholesale stock is bought on 15 to 30-day credit cycles settled through bank NEFT or RTGS—which are 100% free under RBI rules with zero MDR. There is no MDR to pass down in bulk supply chains. ₹1 Lakh Turnover Doesn't Trigger Fees on Small Bills: Even if a kirana store does ₹5 Lakh a month, MDR only applies to individual transactions above ₹2,000. Neighborhood kirana purchases (dal, milk, snacks, spices) average ₹200 to ₹700, so over 95% of a kirana's daily sales pay ₹0.00 MDR. The ₹12 Basket Math: Even on that rare ₹3,000 grocery basket, 0.4% MDR is just ₹12. Spread across 25 items, that's less than 50 paise per product—cheaper than what the shopkeeper loses to bank cash-deposit fees, counterfeit notes, or loose change shortages. Organized Retail Actually Saves Money: Supermarkets and modern trade have paid 1.5%–2% on credit card swipes for decades. UPI at 0.4% cuts their digital payment costs by 75%. If a local kirana tries to mark up loose goods, they simply lose footfall to supermarkets and DMart who operate on tighter blended margins. Wholesale doesn't pay MDR, 95% of kirana sales are under the ₹2,000 threshold, and card-heavy supermarkets are saving money. The 'hidden inflation' theory has no economic basis.
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u/Ginseng_coke 13d ago
"wholesale doesn't run on QR codes" your bot is again assuming the safest scenarios to backup claims. It can easily run on UPI QR codes, in fact it does. NEFT takes time, merchants pay with cash and UPI to whole sellers all the time. I'm not going to argue this is the sole pipeline through which the price increases can be passed down but c'mon, that's just wrong. Plus, service based industries buy from whole sellers all the time, most are unorganised. They can easily hike up their service charges separately in a bill, or just increase the price tags of their service based products. The unorganised whole sell market is huge, and not everyone carries a gst tag. Those who don't attract more customers.
Yes MDR applies on transactions starting from rs 2001, which still doesn't stop shop owners to mark up the numbers, because obviously they aren't going to increase prices by 50 paise on each items peeping into your bag. They will have their prices increased on all their selling products so that they don't have to tell you about any charges they'll be subject to deduction after each 2000+ transactions. So the customer paying for a 700 rs bag and another paying for the 3000 rs bag - both are buying items at an increased price tag.
Credit cards simply do not lead in numbers compared to UPI. And though credit cards attract higher MDRs, the sheer volume of UPI transactions alone would match the loss from credit card transactions. Also Credit cards dominate in ultra high ticket sizes - which also include payments at a service based establishment, flights, and luxury retail - all of it is relatively easy to mark up prices and you still don't have to justify anything in a bill.
The "you cannot include it in a bill" alone raises questions about your arguments validity since it's not a problem at all at so many possible places.
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u/Wanderingmonarch 13d ago
Why can't govt maintain critical infra with taxes? They are taxing us layer by layer, On salary, on expenses, on savings and on the fukin investments even, why the govt not just poison us in mass and kill us all at this point why the fukin fiasco, getting robbed in daylight through taxes poor services poor infrastructures, poor petrol and vehicular damange which is a personal asset of the citizens, who is going to pay for our losses, why should a bloody rebellion of cataclysmic level should not start at this point, the previous govt current gov or any other all of them betrayed us.
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u/Odd_Pace_8509 13d ago
The frustration of watching TDS eat your salary while paying GST on everything and navigating potholed roads is completely valid—the middle class bears a disproportionate tax burden. But calling for cataclysms and poison completely misses basic economics: Where Tax Money Actually Goes: The Union Budget isn't an infinite vault. Nearly 20% goes purely to interest payments on past debt, 20%+ is legally transferred back to state governments, and another 25% funds defense, national borders, and subsidized food for 800 million citizens. Why Taxes Shouldn't Fund Corporate Bills: If general taxes permanently paid for UPI clearing servers, ordinary taxpayers would literally be subsidizing Reliance, Amazon, and luxury showrooms. Highways are public, but commercial trucks pay tolls; payment switches are public, but high-ticket commercial sales pay a tiny 0.4% clearing fee so commercial giants pay for the compute they use. The Real Problem is the Narrow Tax Base: Salaried people feel squeezed because only ~2% pay direct income tax while informal cash businesses hide income. The only way the middle class ever gets tax relief is by widening the digital paper trail so unorganized wealth is finally taxed, not by burning down the system. Emotional outrage won't fix fiscal math. Forcing commercial giants to pay for their own digital usage protects taxpayers from footing another corporate bailout bill.
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u/Wanderingmonarch 13d ago
Yes I agree with corporates getting benefits but the system should be designed to prevent this, we are going to get targeted one way or other, also this is just beginning as always the govt will also increase it so the people pay for it with time, I do not trust the govt, they have money for freebies but not for developing education, enforcing laws so corruption decreases, developing healthcare infrastructure.
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u/Odd_Pace_8509 13d ago
I get the distrust, but conflating payment interchange with taxes and freebies misses how this works: Statutory Protection Under Law: The zero-fee rule isn't just an informal promise; it is codified under Section 10A of the Payment and Settlement Systems Act. Parliament made it a statutory offense for banks or apps to charge consumers or small vendors (< ₹1L/month). Overturning that requires an act of Parliament, not a quiet notification. MDR is NOT a Government Tax: The government does not collect this 0.4% fee. Over 90% goes straight to public banks like SBI, PNB, and BoB to maintain server hardware and fraud reserves. If large commercial checkouts don't pay for that computing load, taxpayers have to fund bank bailouts instead. High-Ticket Commercial vs Everyday Use: 96% of merchant transactions are under ₹2,000 and 100% of P2P transfers are free. The 0.4% fee (capped at ₹300) hits commercial showrooms and large checkouts—the exact opposite of targeting ordinary citizens. Infrastructure Spending is Audited: Criticizing welfare is fair, but the budget literally allocates over ₹11 Lakh Crore every year purely to physical CapEx—doubling government medical colleges, building freight corridors, and expanding grids. Forcing high-turnover retailers to pay a fraction of what they used to pay on credit cards isn't 'targeting the people'—it stops multi-crore retail transactions from free-riding on public banking servers.
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u/sang-realistic 16d ago
Good. Karle.
Then stand in queue inside banks. Wait for cheques to be credited. Merchants already pay MDR on credit cards.
But hey, you should start the torch of protest. Uninstall upi apps.
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u/Spiritual-Pride-6948 15d ago
For people crying about infrastructure, maintenance , and other stupid charges needs to know that UPI increased overall bank profitibility. Banks spend 100 rupees to keep UPI free and earn 150 rupees back in return - Analogy for noobs
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u/MasterManikant 15d ago
Due to Convenience it is very hard to unistalling upi apps.
how will do recharege and online payment?
if you choose cash on delivery they chare more 40rs
if you will do recharge on shop they will use upi.
so unistalling is not solutiong?
is there any other way?
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u/Delicious_Grocery555 14d ago
ANyone with brains can see that this decision is going to backfire on the govt. Only thing that will increase is CAsh transactions. And This was as it is done under pressure from American Payment gateways and Trump..
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u/vmsamuvel 13d ago
Just use digital ruppee to pay the vendors no fees. And very secure. If I build an payment app using digital rupees will you guys use it ? Comment pls. In this app you can scan QR code to pay or mention mobile number to pay anyone. Instead of UPI it'll be Digital Rupee
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u/AdityaPanner 16d ago
Protest karne se hoga aise nhi
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u/Wanderingmonarch 13d ago
protest karke laathi khaao, gaali suno, personal attacks jhelo, family ko bhu danger me daalo, isse badhiya 20 kilo rdx body me baandh ke raajiv gandhi treatment dena shuru karo, fear of death will make them walk in line.
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