Explainer-India's UPI fee shake-up: What changes and why it matters解读——印度统一支付接口（UPI）费用改革：哪些内容发生变化，以及为何如此重要
MUMBAI, Sept 16 (Reuters) - Using mobile phones to scan a QR code for payments has become near ubiquitous behaviour in India over the last decade, thanks to a widely used homegrown network, the Unified Payments Interface (UPI).
FILE PHOTO: QR codes of digital payment firms PhonePe and Paytm are seen on the counter of a grocery store in Ahmedabad, India, February 5, 2024. REUTERS/Amit Dave/File Photo
MUMBAI, Sept 16 (Reuters) - Using mobile phones to scan a QR code for payments has become near ubiquitous behaviour in India over the last decade, thanks to a widely used homegrown network, the Unified Payments Interface (UPI).
But after six years of free use, regardless of size or type of payment, India has decided to start charging merchants a fee of 0.4% for transactions of more than 2,000 rupees ($21), known as the Merchant Discount Rate (MDR), with some exclusions, though person-to-person transfers remain free.
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资料照片：2024年2月5日，印度艾哈迈达巴德一家杂货店的柜台上展示着数字支付公司PhonePe和Paytm的二维码。（路透社/Amit Dave/资料照片）
孟买，9 月 16 日（路透社）——过去十年，在印度，使用手机扫描二维码进行支付已成为一种近乎普遍的行为，这要归功于广泛使用的本土网络——统一支付接口 (UPI)。
但经过六年免费使用（无论金额大小或支付类型）之后，印度决定开始对超过 2000 卢比（21 美元）的交易向商家收取 0.4% 的费用，称为商家折扣率 (MDR)，但也有一些例外情况，不过个人之间的转账仍然免费。
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