{"id":1313935,"date":"2026-09-17T10:10:38","date_gmt":"2026-09-17T04:40:38","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1313935"},"modified":"2026-09-17T10:10:51","modified_gmt":"2026-09-17T04:40:51","slug":"petrol-pumps-threaten-to-stop-upi-payments-above-rs-2000-over-rs-5-mdr","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/petrol-pumps-threaten-to-stop-upi-payments-above-rs-2000-over-rs-5-mdr\/","title":{"rendered":"Petrol Pumps Threaten to Stop UPI Payments Above Rs 2,000 Over Rs 5 MDR"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Petrol pump dealers across several states have threatened to <strong>stop accepting UPI payments of \u20b92,000 and above<\/strong> if they are required to bear the new \u20b95 Merchant Discount Rate (MDR) on fuel transactions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2026\/09\/zzzzzzzzz-1-2-1280x720-1024x576-1-1024x576-1.jpeg\" alt=\"Petrol Pumps Threaten to Stop UPI Payments Above Rs 2,000 Over Rs 5 MDR\" class=\"wp-image-1313940\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2026\/09\/zzzzzzzzz-1-2-1280x720-1024x576-1-1024x576-1.jpeg 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2026\/09\/zzzzzzzzz-1-2-1280x720-1024x576-1-1024x576-1-300x169.jpeg 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2026\/09\/zzzzzzzzz-1-2-1280x720-1024x576-1-1024x576-1-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The warning comes ahead of the new UPI MDR framework, which is scheduled to take effect from <strong>October 15, 2026<\/strong>. Under the framework, fuel payments above \u20b92,000 will attract a flat \u20b95 MDR, while payments below \u20b92,000 will continue to have zero MDR.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dealers Say Margins Are Already Very Thin<\/h2>\n\n\n\n<p>Petrol pump operators argue that even a \u20b95 charge can have a significant impact because their margins are relatively small.<\/p>\n\n\n\n<p>Dealers in <strong>Delhi-NCR, Punjab, Uttar Pradesh, Maharashtra, Karnataka and Rajasthan<\/strong> have raised concerns about the additional cost. They estimate their margins at around <strong>\u20b92.40 to \u20b93.40 per litre<\/strong>, with dealer commissions determined within the regulated oil marketing framework.<\/p>\n\n\n\n<p>The All India Petroleum Dealers Association has also sought government intervention and asked for a complete exemption from MDR on fuel payments above \u20b92,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What the New UPI Rule Says<\/h2>\n\n\n\n<p>Under the new framework, the standard MDR for eligible UPI merchant <a href=\"https:\/\/www.indiatodayne.in\/national\/story\/petrol-pump-dealers-threaten-to-stop-upi-payments-above-rs-2000-over-rs-5-mdr-1451744-2026-09-17\">payments above \u20b92,000 is <strong>0.4%<\/strong>, subject to a \u20b9300 maximum for transactions of \u20b975,000 and above.<\/a><\/p>\n\n\n\n<p>However, certain categories have been given a concessional flat rate. <strong>Fuel, railways, telecom services, insurance and specified utility payments<\/strong> will attract a \u20b95 MDR on transactions above \u20b92,000 instead of the standard percentage-based charge.<\/p>\n\n\n\n<p>The important point for consumers is that <strong>the \u20b95 charge is imposed on the merchant, not the customer<\/strong>. The rules do not allow merchants or payment providers to pass the MDR directly on to consumers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dealers May Switch to Cash<\/h2>\n\n\n\n<p>Despite the consumer protection, petrol pump operators say they may have little choice but to restrict digital payments if the MDR remains in place.<\/p>\n\n\n\n<p>Monty Sehgal, spokesperson for the Federation of All India Petroleum Traders, said fuel retailers could be forced to restrict UPI payments above \u20b92,000 unless an exemption is granted.<\/p>\n\n\n\n<p>If implemented widely, customers making larger fuel purchases could therefore be asked to pay by <strong>cash or another payment method<\/strong>, rather than UPI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">UPI Fee Debate Intensifies<\/h2>\n\n\n\n<p>The petrol dealers&#8217; protest comes as other businesses, including retailers and financial intermediaries, have also raised concerns about the new MDR framework.<\/p>\n\n\n\n<p>The government has defended the change as a way to create a sustainable financial model for UPI and fund areas such as <strong>payment infrastructure, cybersecurity and customer services<\/strong>. Consumers will continue to use UPI without a direct transaction fee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Summary<\/h3>\n\n\n\n<p>Petrol pump dealers across several states have threatened to <strong>stop accepting UPI payments above \u20b92,000<\/strong> if they must pay the new \u20b95 MDR. Dealers say the charge could further squeeze their thin margins. The new framework begins October 15, while the government has said the MDR cannot be passed directly to customers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Petrol pump dealers across several states have threatened to stop accepting UPI payments of \u20b92,000 and above if they are required to bear the new \u20b95 Merchant Discount Rate (MDR) on fuel transactions. The warning comes ahead of the new UPI MDR framework, which is scheduled to take effect from October 15, 2026. Under the [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1313940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[7418,2053],"class_list":["post-1313935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-mdr","tag-petrol"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Petrol Pumps Threaten to Stop UPI Payments Above Rs 2,000 Over Rs 5 MDR - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/petrol-pumps-threaten-to-stop-upi-payments-above-rs-2000-over-rs-5-mdr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Petrol Pumps Threaten to Stop UPI Payments Above Rs 2,000 Over Rs 5 MDR - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"Petrol pump dealers across several states have threatened to stop accepting UPI payments of \u20b92,000 and above if they are required to bear the new \u20b95 Merchant Discount Rate (MDR) on fuel transactions. The warning comes ahead of the new UPI MDR framework, which is scheduled to take effect from October 15, 2026. 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