全印贸易商联合会（FAIVM）表示，将不会参加定于2026年10月2日举行的“无UPI日”活动。尽管全印各地的手机零售商预计将停止接受UPI支付，以抗议针对部分UPI交易拟议征收的商户折扣率（MDR）。
FAIVM表示，该组织并未参与任何定于10月2日举行的贸易商抗议活动，而是将继续通过讨论、劝说和逻辑陈述的方式与政府保持接触。
The Federation of All India Vyapar Mandal has said it will not participate in the “No UPI Day” proposed for October 2, 2026, even as mobile phone retailers across India are expected to stop accepting UPI payments as part of a protest against the proposed Merchant Discount Rate on certain UPI transactions.FAIVM said it is not part of any traders’ agitation proposed for October 2 and will instead continue engaging with the government through discussions, persuasion and logical presentation.
该组织表示，正就UPI-MDR以及为支持可持续支付基础设施所需的相关费用与财政部进行合作，旨在确保在不影响小商户业务的前提下实现目标。
FAIVM财务主管拉杰什瓦尔·派纽利（Rajeshwar Painyuli）表示，该组织将继续以建设性的方式与政府进行对话，并致力于推动贸易界更广泛地参与数字经济。
The organisation said it is working with the Ministry of Finance on UPI-MDR and the fees or charges required to support a self-sustaining payment infrastructure without affecting the business of small traders.FAIVM Treasurer Rajeshwar Painyuli said the organisation would continue its dialogue with the government in a constructive manner and work towards greater participation of the trading community in the digital economy.
此次澄清正值全印手机零售商协会（AIMRA）呼吁将10月2日定为“无UPI日”之际，该协会对拟议中针对符合条件的商户UPI交易征收0.4%的MDR表示担忧。10月2日预计会发生什么？
The clarification comes as the All India Mobile Retailers Association has called for October 2 to be observed as “No UPI Day” over concerns around the proposed 0.4% MDR on eligible merchant UPI transactions. What is expected on October 2?
参与AIMRA活动的零售商预计将在当天停止接受UPI支付，并用黑布遮盖其UPI二维码。
AIMRA表示，此次活动旨在强调MDR对商户的财务影响，而非反对UPI或数字支付本身。
AIMRA副主席兼德里NCR地区主席塔文德·辛格（Tarvinder Singh）表示，该协会担忧的是拟议的MDR可能给手机零售商带来的额外财务负担，因为许多零售商的利润空间本已十分微薄。
Retailers participating in AIMRA’s campaign are expected to stop accepting UPI payments for the day and cover their UPI QR codes with black cloth.AIMRA has said the campaign is intended to highlight the financial implications of MDR for merchants rather than oppose UPI or digital payments.AIMRA Vice President and Delhi NCR President Tarvinder Singh said the association’s concern was the additional financial burden that the proposed MDR could place on mobile retailers, many of whom operate on thin margins.
根据AIMRA提交给财政部长尼尔马拉·西塔拉曼（Nirmala Sitharaman）的一份陈述，一家每月通过UPI处理50万至300万卢比交易的小型零售商，可能面临每月2000至12000卢比的额外成本。
According to a representation submitted by AIMRA to Finance Minister Nirmala Sitharaman, a small retailer processing ₹5 lakh to ₹30 lakh a month through UPI could face an additional monthly cost of ₹2,000 to ₹12,000.
该协会估计，拟议的0.4% MDR可能会造成每月约4亿卢比，即每年近50亿卢比的负担。每年为印度各地的小型手机零售商带来数千万卢比的收益。AIMRA要求商户UPI支付继续维持零MDR结构。FAIVM说了什么？
The association estimates that the proposed 0.4% MDR could create a burden of around ₹40 crore a month, or nearly ₹500 crore annually, for small mobile retailers across India. AIMRA has demanded that merchant UPI payments continue under a zero-MDR structure.
FAIVM呼吁商贸协会支持UPI，将其作为一种经济实惠、普惠易得且可持续的数字支付系统。
What has FAIVM said?FAIVM has appealed to trader associations to support UPI as an affordable, accessible and sustainable digital payment system.
该组织表示，UPI不仅仅是一种支付机制，更是印度数字经济基础设施的重要组成部分。它还强调，需要保护商户，确保客户继续拥有便捷的支付选择，并从长远角度维护UPI生态系统的可持续性。
The organisation said UPI is not merely a payment mechanism but an important component of India’s digital economic infrastructure. It also stressed the need to protect traders, ensure customers continue to have convenient payment options and maintain the sustainability of the UPI ecosystem over the long term.FAIVM National General Secretary R.K.
FAIVM全国秘书长R.K. Gaur表示，该组织的做法符合其通过与政府接触、致力于改善中小商户利益的目标。新UPI框架下有哪些变化？修订后的MDR框架定于10月15日生效。
Gaur said the organisation’s approach was in line with its objective of working towards the betterment of small and medium traders through engagement with the government. What changes under the new UPI framework? The revised MDR framework is scheduled to come into effect from October 15.
根据该框架，指定的单笔金额超过2000卢比的个人对商户（P2M）UPI交易将适用0.4%的MDR，单笔交易费用上限为300卢比。
Under the framework, a 0.4% MDR will apply to specified person-to-merchant UPI transactions above ₹2,000, with the charge capped at ₹300 per transaction.
个人对个人（P2P）UPI转账不在新MDR覆盖范围内。单笔金额不超过2000卢比的P2M交易也将继续维持在框架之外。
Person-to-person UPI transfers will not be covered by the new MDR. P2M transactions of up to ₹2,000 will also remain outside the framework.A flat ₹5 charge will apply to transactions above ₹2,000 in select sectors, including railways, telecommunications, insurance and fuel.
铁路、电信、保险和燃油等特定行业，单笔金额超过2000卢比的交易将收取固定5卢比费用。涉及共同基金、证券、股票经纪商和交易商的交易将适用0.02%的MDR，上限为300卢比。
Transactions involving mutual funds, securities, stockbrokers and dealers will attract an MDR of 0.02%, capped at ₹300.
在P2PM类别下，通过UPI二维码收款每月不超过10万卢比的小微商户将继续享受零MDR。
Small merchants receiving up to ₹1 lakh a month through UPI QR payments under the P2PM category will continue to pay zero MDR.
政府表示，修订后的框架将影响约4%的商户交易，约96%的P2M交易将不受影响。
The government has said the revised framework will affect around 4% of merchant transactions, leaving approximately 96% of P2M transactions unaffected.