Who are the primary beneficiaries of the MDR revenue share?

Customer and merchant banks are the primary beneficiaries under the new arrangement.

How does this change affect banks' involvement in UPI?

It provides a financial incentive by giving banks a larger portion of MDR revenue, encouraging their participation.

Business 1 MIN READ

Customer and Merchant Banks to Receive 70% of UPI MDR Revenue

New revenue-sharing model announced for Unified Payments Interface transactions

A new revenue-sharing arrangement for Unified Payments Interface (UPI) transactions has been revealed, allocating 70% of the merchant discount rate (MDR) revenue to customer and merchant banks. This change aims to benefit banks involved in UPI payments by increasing their share of transaction fees,

Reported by: निहारिका टाइम्स न्यूज़ डेस्क

Published Sep 17, 2026

News Desk, Niharika Times

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The new revenue-sharing model for Unified Payments Interface (UPI) transactions allocates 70% of the merchant discount rate (MDR) revenue to customer and merchant banks. This policy is designed to raise the revenue share for banks facilitating UPI payments.

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UPI transaction process in India / Representative image · Niharika Times

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अक्सर पूछे जाने वाले सवाल

Who are the primary beneficiaries of the MDR revenue share?: Customer and merchant banks are the primary beneficiaries under the new arrangement.
How does this change affect banks' involvement in UPI?: It provides a financial incentive by giving banks a larger portion of MDR revenue, encouraging their participation.

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निहारिका टाइम्स न्यूज़ डेस्क

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PublishedSep 17, 2026, 13:13 IST IST

Last updatedSep 17, 2026, 13:13 IST IST

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Customer and Merchant Banks to Receive 70% of UPI MDR Revenue

New revenue-sharing model announced for Unified Payments Interface transactions

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