Shillong, Nailur 15: Ka sorkar India ka la pynkyllaia ka Payment and Settlement Systems (PSS) Act, 2007kaba ai boria ka sorkar ban pyntipiaki rukom siew pisabakyrpanglyngba ki lad electronic ha kabaymdonkamjingsieweiei.
Kane ka jingpynkylla ka ai ia ka nongrimbaiadei bad ka ain ban pynthiknaia ka jinglah ban siew bad ka jingshai ha ki jingsiewpisalyngba ka lad digital.
Ha ka 14 tarik u Nailur 2026, ka SorkarPdeng ka la pynmihïa ka jingpynbnahapohkane ka phang, kababataishaibaïa ki jingsiewlyngba ka Unified Payments Interface (UPI) kibahaduh T.2,000 kin yndonkamia ka Merchant Discount Rate (MDR).
Shuh shuh, la pynmihruhïa ka circular babniah da ka NPCI ha ka 15 tarik u Nailur, 2026, hadien ka jingiamirjingmutsani da ka steering committee jong ka UPI halor ki kyndontreikam, ki rukomsambaiohei, bad ki jingpynbeitïa ki kyrdan.
Ki mat bakongsan jong ka circular ki long kumneharum, Na ka byntaki jingsiewhapdeng ki briew (P2P), kanym don jingsiewsatia, ia ki jingsiewkibakatnokatnoruh.
Ki jingsiew P2P ki long 37% na ka jingsiew UPI baroh ha ka jingbun bad 70% ha ka dor. Ki jingsiew kin treikam tang na ka byntaki jingsiewna u briew sha u nongkhaii (P2M)kibapalatia ka T.2,000
Yn shim ia ka MDR kabaritkaba 0.4% ha ki jingsiew P2M kibapalatia ka T.2,000. Ia kane ka komishonyniasamhapdengki nongiatreilang ha ka rukom siew pisakynthupia ki bank bad ki nongpynbiangia ka app.
Na ka bynta ki jingsiewkiba heh kaba T.75,000 shaneng, ynbuhpudia ka MDR haduh T.300 na ka byntakawei ka jingsiew.
Ka Railways, telecom, insurance, ki kamumphniang, ki mar rep bad kiweikiwei kin siew ia ka MDR kaba long T.5 na ka byntakawei ka jingsiewkabapalatia ka T.2,000
Kane ka rukom siew kabaryntih ka pynthiknaia ka jinglongryntih jong ka jinglutha ki kam ai jingshakripaidbahkibakongsan bad ki karkhanakibaduna ka jingiohnong.
Kum kine ki thup Industry Program ki don ka byntakabahaduh 17% na ka jingbun ki jingsiew UPI P2M bad kumba 46% na ka dor jong ki jingsiew jong ki nongkhaiilyngba ka UPI.
Ki jingsiew sha ki mutual fund, ki security, ki stock broker, bad ki nongdie kin khringia ka MDR kabaritkaba 0.02%, kaba la buhpudhaduh T.300.
Kane ka jingpyndunador ka pynshluriaka jingiashimbynta jong ki nongdie mar ha ki iewpisaba la pynskhem.
Ki nongkhaiikibaritkibaiohhaduh T.1 lakshibnailyngba ki UPI QR code hapohka jingpyniapher Person-to-Person-Merchant (P2PM) kin dang lait bai MDR na ka byntabaroh ki jingsiew.
Kane ka pyniasohia ki nongdiejingdie ha surok ki bym pat iohjingithuh bad ki nongkhaiiba la iohjingithuhkibaiohia ki account, kabakyntiewia ka jingpdiangia ki kam digital ha ka kambym pat iohjingithuh.
Ym don bai lutksan: Ki nongpynbiang app UPI ki shah khangpyrshah ban shim bai lutksan lane ki jingsiewbabuhrieh. La ai jingmutia ki bank ban pynthiknaba ki nongkhaiikimdeiban aitikyllaia ki jingsiew MDR sha ki nongthiedna ka bynta ban siew UPI.
Ka jingpyndonkambakhlemjingsiewkhlemjingkut: Ym don ki jingbuhkyndon man u bnai, ki jingbuhkyndonia ka jingbun, lane ki jingbuhpudba la buhkyrdanna ka bynta ki jingpyndonkam UPI khlemjingsiew da ki briew.
Ki jingpynbeitïa ka jingïada: Ki jingpynbeitïa ka jingpynsiew man ka sngiba la pynjarida ki bank bad ka NPCI (T.1–5 lakkatkum ka kyrdan) ki dei tang ki lad jingïadaïa ki jingma, ym ki kyrdanjingsiewna ka bynta ka kamkhaii.
Ka jingpeitbniahia ki jingtip ka pyniba tang 4 na ka shispahna ki jingsiew jong ki nongkhaii kin shah ktahna ka jingpynrungia ka MDR, namarba bun na ki jingsiew ki hap hapoh u pud T.2,000 lane ki hap hapoh ka rukomtreikam jong ka zero-MDR P2PM. Kane ka pynthiknaba ki kam barit kin iohjingiadana ki jingbankhia jong ka jinglut.
Yn sdangia ka fund bakyrpangna ka bynta ban kyntiewia ka jingpyndonkamia ka UPI da ki nongkhaii barit ryngkat bad ka jingnohsynniangkaba 5% na ka jinglum MDR baroh. Kane ka sienjamkanpyniaria ka jingpdiangia ka UPI, kanpynshluria ka jingpyndonkamkabaiaineh, bad kanpynstedia ka jingkynthupia ki kam barit ha ka rukom siew digital jong ka India.
Ka rukomtreikambathymmai jong ka MDR kanpynlongia ka UPI ban lah ban pynnehpynsahialade, kan ai jingmyntoi ban pyniarshuhshuh ha ki jakanongkyndong bad ki jaka sor bad kanpynnehia ka jinglah ban iakhun, katba ka pynthiknaba ka jingbun jong ki jingsiewkan long kaba lait na ka jingsiew.
Kane ka rai ka long ruhkabaiadei bad ki jingaijingmut jong ka Standing Committee on Finance, kaba ha ka kaiphodkaba 32 jong ka ka la ai jingmutiakineharum.
