最高法院将于9月28日星期一听取一项申诉，该申诉对中央政府决定对超过2000卢比的特定UPI（统一支付接口）个人对商户交易引入商户折扣率（MDR）提出质疑。由印度首席大法官苏里亚·坎特（Surya Kant）及乔伊马利亚·巴奇（Joymalya Bagchi）和V·莫哈纳（V Mohana）法官组成的合议庭，计划听取律师安詹·达塔（Anjan Datta）提起的公益诉讼。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
该申诉对中央政府9月14日发布的通告以及9月15日宣布的MDR框架提出质疑。新框架计划于10月15日生效。UPI支付有何变化？
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
根据新框架，向商户进行的超过2000卢比的UPI支付将适用0.4%的MDR。对于75000卢比及以上的交易，该费用上限为300卢比。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
然而，无论交易金额多少，个人对个人的UPI转账将继续保持免费。根据申诉书，个人对个人交易占UPI交易量的37%，占交易额的70%。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
某些行业也被赋予了单独的MDR结构。铁路、电信、保险、燃料和农业投入品等行业中超过2000卢比的支付，每笔交易将收取5卢比的固定MDR。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
对于涉及共同基金、证券、股票经纪人和交易商的交易，MDR设定为0.02%，上限为300卢比。为何该框架受到质疑？
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
申诉人质疑MDR框架的引入方式，并指控其缺乏充分的法定保障、透明度和公众咨询。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
该申诉还质疑2007年《支付与结算系统法》修订后第10A条的合宪性。
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs
该主张认为，此项规定赋予行政部门广泛权力，可决定哪些电子支付方式享受免收费保护。申请人还提出，UPI交易与RuPay借记卡交易应适用不同处理方式，并指出RuPay借记卡免收费保护仍无金额上限。申请人提出了哪些诉求？公益诉讼请求撤销或暂停MDR框架中对金额超过2000卢比的UPI交易收费的规定。作为替代方案，申请人请求在开展透明磋商、公布相关数据并进行影响评估后重新审视该框架，同时应为微型和小型企业提供保障。申请人还要求，未来对MDR进行分类时，应考虑商户营业额、中小微企业身份、实际利润率、地理位置以及企业承担成本的能力等因素。中央政府及包括印度储备银行在内的其他各方均被列为本案被告。——印度新闻托拉斯（PTI）供稿
The Supreme Court will on Monday, September 28, hear a plea challenging the Centre’s decision to introduce a Merchant Discount Rate on certain UPI person-to-merchant transactions above ₹2,000.A bench comprising Chief Justice of India Surya Kant and Justices Joymalya Bagchi and V Mohana is scheduled to hear the public interest litigation filed by advocate Anjan Datta.The plea challenges the Centre’s September 14 notification and the MDR framework announced on September 15. The new framework is scheduled to take effect from October 15.What is changing for UPI payments?Under the new framework, a 0.4 per cent MDR will apply to UPI payments of more than ₹2,000 made to merchants.The charge will be capped at ₹300 for transactions of ₹75,000 and above.However, person-to-person UPI transfers will continue to remain free, irrespective of the transaction value. According to the plea, P2P transactions account for 37% of UPI transaction volume and 70% of its transaction value.Certain sectors have also been given a separate MDR structure. Payments above ₹2,000 in sectors such as railways, telecom, insurance, fuel and agricultural inputs will attract a flat MDR of ₹5 per transaction.For transactions involving mutual funds, securities, stockbrokers and dealers, the MDR has been set at 0.02%, subject to a cap of ₹300.Why is the framework being challenged?The petitioner has questioned the manner in which the MDR framework was introduced and alleged that it lacks adequate statutory safeguards, transparency and public consultation.The plea also challenges the constitutional validity of the amended Section 10A of the Payment and Settlement Systems Act, 2007. It argues that the provision gives the executive broad powers to determine which electronic payment modes will receive protection from charges.The petitioner has also raised the issue of different treatment of UPI and RuPay debit card transactions, pointing out that the no-charge protection for RuPay debit cards continues without a monetary ceiling.What has the petitioner sought?The PIL seeks quashing or suspension of the MDR framework to the extent that it imposes a charge on UPI transactions above ₹2,000.Alternatively, it has sought reconsideration of the framework after transparent consultation, publication of relevant data and an impact assessment, along with safeguards for micro and small enterprises.The petitioner has also sought that any future MDR classification take into account factors such as merchant turnover, MSME status, actual margins, geography and the ability of businesses to bear the cost.The Centre and other parties, including the Reserve Bank of India, have been made respondents in the matter.-With PTI inputs