Na ka PIB, Shillong
Q1. Balei la wanrah mynta ia kane ka Merchant Discount Rate (MDR)?
Jubab: Ka UPI ka pyntreikam da ki billion tylli ki jingsiew man la u bnai. Ia ka MDR la sam tang hapdeng ka kam UPI, ban bei tyngka shuh shuh ha ka bor jong ki jingdon jingem ban iaineh, ka jingsaindur thymmai, ka jingshngain ha ka kam cyber (ban iada ia ki jingdon jingem jong ka UPI bad ki bank bad ki bym dei ki bank) bad ka jingshakri ia ki nongpyndonkam. Ka UPI kadei ka rukom siew ba la shna ha la ka ri, bad ka jingbuh jingsiew (MDR) ka kham duna shibun ban ïa kiwei pat ki lad siew kum ki Credit Card, ki Debit Card, ki Wallet bad kiwei kiwei. Ia ki jingsiew la buh ha ka dor kaba jem bad kan treikam tang na ka bynta ki jingsiew kiba palat ia ka T. 2,000 ban pynthikna ba ka UPI kan dang long ka rukom pdiang ia ki jingsiew kaba jem dor.
Q2. Hato ki jingsiew UPI kiba duna dor kin shah ktah?
Jubab: Ym don jingktah ia ki jingsiew UPI kiba duna dor haduh T 2,000, kiba kynthup ia palat 95% na ka jingbun jong ki jingsiew UPI (P2M). Ka jingthmu ban buh ia ka MDR kaba jem dor ka long ban pynthikna ba ka UPI kan dang long, kaba lah ban ioh bad kaba suk na ka bynta ki jingsiew ba man ka sngi katba ka kyrshan ia ka jingpynneh pynsah kaba jrong samoi ia ka kam.
Q3. Kaei ka MDR kaba la wanrah na ka bynta ki nongkhaii ha ki jingsiew UPI?
Jubab: Yn wanrah ia ka MDR kaba 0.4% ha ki jingsiew UPI Person-to-Merchant (P2M) kiba palat ia ka T. 2,000/-. Na ka bynta ki jingsiew ba T.75,000/- shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Q4. Kumno ka UPI MDR ka ia nujor bad ki MDR tynrai jong ka Debit bad Credit Card?
Jubab: Ka UPI MDR ka long kaba la shna khnang ba kan kham duna ban ia baroh ki jingsiew ba la pynshong nongrim ha ka bai card tynrai. Ki MDR jong ka credit card ba ryntih ki ju long naduh 1.5% haduh 2.5% na ka bynta kawei ka jingsiew, katba ki MDR jong ki debit card ki long kiba la buh haduh 0.90%. Da kaba buh ia ka UPI MDR ba sdang ha ka 0.4% ha ka jingsiew kaba palat ia ka T. 2,000 bad buh pud ia ka ha ka T.300 na ka bynta ki jingthied kiba rem, ka UPI ka dang long ka atiar pdiang ia ka jingsiew digital kaba jem dor tam na ka bynta ki kam khaii. Kane ka jingpher ha ka dor ka iarap ia ki nongkhaii ban pynduna ia ka jinglut jingsep jong ki ha kaba pyntreikam ia ki jingsiew katba ki dang pdiang ia ki jingsiew digital.
Q5. Lano ki kyndon MDR ba la pynthymmai kin treikam?
Jubab: Ka rukom treikam jong ka MDR ba la pyndep bad ka jingpynbeit pud kan treikam naduh ka 15 tarik u Risaw 2026. Kane ka por ka ai ïa ki bank kiba ïoh, ki nongpynïasoh ïa ki jingsiew, ki aplikeshon fintech, bad ki rynsan kheiñ jingkheiñ jong ki kompeni ïa ka por ba biang ban pynthymmai ïa ki kor software bad ki rukom siew jong ki.
Q6. Kumno kane ka ianujor bad ki rukom siew pisa ha ka pyrthei?
Jubab: Kiba bun ki rukom siew pisa ha ka pyrthei (kynthup ia ki jingdon jingem Digital na ka bynta ki paidbah) ki don ki rukom kamai kiba kyrshan ia ki jingdon jingem bad ka jingsaindur thymmai. Ka rukom treikam jong ka India ka dang iaibteng ban buh hakhmat eh ia ka jinglah ban ioh, ka jingheh bad ka jingai bynta lang ia baroh.
Q7. Mano ba rai ia ka jingpyntreikam bad jingpynjari ia ka jingbuh pud ia ka MDR?
Jubab: Ia ki kyndon treikam, ki rukom ai jingsiew, bad ki jingbuh pud jong ki kyrdan la rai da ka UPI bad ka Services Steering Committee, ba la khlieh da ka National Payments Corporation of India (NPCI).
Q8. Kaei ka fund ba kyrpang na ka bynta ki nongkhaii barit baria ba la tyrwa na ka MDR?
Jubab: Yn wanrah ia ka fund ba kyrpang ban ai jingiarap bad ban pynsted ia ki lad jingsiew digital ha ki jaka ba don ha ka Tier 3 – 6 ba kynthup ia ki jylla ka thain shatei lammihngi, J&K bad Ladakh bad ha ki jaka ba don ha ka Tier 1 & 2, yn kynthup ruh ia kino kino ki Scheme ba la pynbna na ka Sorkar Pdeng (kum ka PM SVANimakardhi, PM Vishwakarma bad kiwei kiwei). Ia kane ka pisa yn pyndonkam ruh ban ai jingiarap pisa sha kiba don bynta ha ka kam na ka bynta ka jingpynrung kyrteng ia ki nongkhaii bad ban ai jingmyntoi ia ka jingkiew jong ki jingsiew UPI hapdeng ki nongkhaii barit baria kiba la don lypa.
Q9. Kumno ka fund ba kyrpang ba la tyrwa ka iarap ia ki nongkhaii barit baria?
Jubab: Ka fund ba kyrpang ba la tyrwa kan kyrshan ia ka jingpyniar ia ka jingpdiang ia ka UPI hapdeng ki nongkhaii barit baria da kaba ai jingiarap pisa ban ioh ia ki bank / ki nongpyniaid jingsiew na ka bynta ki jingthmu ban pynrung ia ki nongkhaii bad ai jingmyntoi na ka bynta ki jingsiew UPI kiba mih na ki nongkhaii barit, khamtam ha ki jaka nongkyndong, ki jaka ba don ha ka tier III bad sha kiwei kiwei. Kane kan iarap ban pynshlur ia ka jingpyndonkam kaba iaineh, ban kyntiew ia ka jingrung jong ki jingsiew digital, bad ban pynsted ia ka jingkynthup lang ia ki kam barit baria ha ka rukom siew digital. Ïa ka rukom treikam kaba bniah yn sa pyndep hadien ka jingïasyllok bad ka Reserve Bank of India (RBI) hapoh ki lai bnai ban wan.
Q10. Balei ba tang ka jingshaniah ha ki jingai jingiarap jong ka sorkar kam pat biang na ka bynta ka UPI?
Jubab: Ka jingai jingmyntoi / jingiarap pisa jong ka sorkar man la u snem, watla ka iarap ban pynsted ia ka jingpyndonkam kloi ia ki lad digital, la saindur kum ka jingpynbiang pisa kaba lyngkot samoi ban ia ka lad kaba neh ban siew bai lutksan ia ka jinglut jong ki kam ai jingsiew. Ki jingkhein jong ki karkhana ki pyni ba ka jingpynneh ia ki jingtreikam jong ka jingsiew UPI, ka server bandwidth, ki rukom iada na ka jingleh thok, bad ka jinglut jong ki bank na ka bynta ki jingkyrshan ha ki kam teknikal ka long kumba ~T.20,000 klur man la u snem. Ka jingshaniah tang ha ka jingmang pisa ka wanrah ia ka jingbym thikna ha ka jingbei pisa bad ka khanglad ia ki jingbei tyngka ba jrong samoi ha ka teknoloji da ki bank bad ki fintech. Ka jingkylla sha ka rukom treikam kaba pynshong nongrim ha ka jingiaid iew bad kaba don u pud ka pynbing ia ka pisa kaba ryntih na ka bynta ka jingbteng ka jingsaindur ha ki kam teknikal.
Q11. Kumno kane ka sienjam kan kyntiew ia ka jinglah iakhun ha ka iew hapdeng ki nongpyniaid ia ki app ai jingsiew?
Jubab: Ka jingwanrah ia ka rukom khaii kaba lah ban iaineh ka pynshlur ia ki startup ba thymmai ba iadei bad ka fintech bad ki kompeni teknoloji ban rung sha ka jingsiew digital. Haba ka jingpyntreikam ia ka jingsiew ka treikam hapoh ki jinglong zero-MDR, tang ki kompeni tech kiba bun ka pisa ki lah ban pynneh ia ki jingduhnong ha ka jingtreikam kaba jrong samoi. Ka rukom kamai kaba lah ban sngewthuh lypa ka pynbeit ryntih ia ka kam, kaba ailad ia ki startup kiba rit, kiba thymmai ban iakhun, ban shna ia ki software ba kyrpang na ka bynta ka jingsiew, bad ban pyniar ia ka jinglah ban ioh pisa. Ka jingkiew jong ka jingiakhun ha ki iew ki hat ha kaba kut ka ialam sha ki jingshakri kiba kham bha, ka jingshaniah ha ka app kaba kham bha, bad ka jingjied kaba kham bun na ka bynta ki nongpyndonkam.
Q12. Kumno kane ka polisi ka pynthikna ia ka jingkhlain jong ka cybersecurity pyrshah ia ki jingma kiba dang mih?
Jubab: Ka jingiohnong lyngba ka MDR ka lah ban bei tyngka ha ki jingdon jingem ba iadei bad ka jingshngain ha ka kam cyber, ka jinglap ïa ki jingleh thok ba la pynïaid da ka AI, ki jingpynbha ïa ka encryption bad kiwei kiwei.
Q13. Katno ka UPI ka la nang kiew ha ka pyrthei haduh u snem 2026?
Jubab: Haduh u snem 2026, ka jingtreikam jong ka UPI ha ka pyrthei ka la nang kiew bha, da ki jingshakri ai jingsiew kiba treikam mardor ha kylleng ki 11 tylli kiwei kiwei ki ri. Ka jingtei ia ka nongrim kaba shngain bad kaba lah ban pynneh pynsah dalade hapoh ka ri ka pynskhem ia ka bynta jong ka India kum ka nongialam ha ka pyrthei ha ki jingdon jingem digital ba iadei bad ka kam pisa tyngka.
Q14. Katno ka jingbun jong ka jingsiew jong ka UPI mynta bad ka jingthew jong ka bad balei ka donkam ban long kaba lah ban pynneh pynsah dalade?
Jubab: Da kaba pyni ia ka jingpdiang paidbah kaba ym pat ju jia mynno mynno ruh, ka UPI ka la pyndep ia ka jingsiew kaba phylla kaba 2,451 klur kaba la shongdor haduh T.29.9 lak klur tang ha u bnai Nailar 2026. Kane ka jingbun ka pyni ia ka bynta jong ka UPI kum ka kor ba kongsan kaba iadei bad ka pisa jong ka ioh ka kot jong ka India, kaba pyniaid ia ki spah million ki jingsiew man ka sngi. Ban pyniaid ia kane ka jingheh ka donkam ia ki jingdon jingem ba heh jong ki server, ki kam telecommunication ba stet, ka jingpeit bniah ia ka jingshngain ha ka kam cyber ba bun bynta, bad ki software ba kyrpang jong ki bank. Kine ki jingkhein jong ka jingsiew ki pynskhem balei ba ka jingwanrah ia ka rukom bei tyngka kaba lah ban pynneh pynsah dalade ka long kaba donkam ban pynthikna ia ka jinglong shngain jong ka kam.
Ka Bynta kaba 2: Ki nongpyndonkam
Q15. Hato ki riewpaidbah kin hap siew na ka bynta ban siew lyngba ka UPI?
Jubab: Em, ki jingshakri jong ka UPI kin dang bteng khlem kano kano ka jinglut ia ki nongpyndonkam. Ki nongpyndonkam ki lah ban bteng ban pyndonkam khlem jingsiew da kaba pyndonkam ïa ka UPI kumba ki la leh haduh mynta.
Ki nongpyndonkam kiba siew lyngba ka UPI kin ym mad ia kano kano ka jinghap siew. Ki briew kiba don account ki lah ban bteng ban pyndonkam ia ki UPI application na ka bynta baroh ki kam ba man ka sngi, ki jinglut ba man ka sngi khlem da khuslai shaphang kino kino ki jingsiew. Ka MDR policy ka pynthikna ba ka UPI kan dang long kaba ym donkam jingsiew bad kaba lah ban ioh da baroh ki nongshong shnong ha kylleng ka ri India.
Q16. Hato don kano kano ka jingsiew na ka bynta ki jingsiew Person-to-Person (P2P) jong ka UPI kum ka jingphah pisa sha ki paralok, kiba haïing hasem, lane ki briew ba ithuh?
Jubab: Em, ki jingsiew P2P kin dang iai bteng ban long kiba khlem jingsiew na ka bynta u nongsiew bad kumjuh ruh u nongioh jingmyntoi. Yn ym don jingsiew na ka bynta uno uno u briew uba phah ne pdiang ia kano kano ka pisa sha ne na uno uno u briew (lane wat kiba phah hi shalade) da kaba pyndonkam ia ka UPI.
Lada phi phah pisa sha u dkhot jong ka longïing, phi iasiew lang ïa ka bill bad ki paralok, lane phi phah pisa shalade ha ki bank account ba la pynïasoh jong phi, ym don jingsiew ei ei. Ki nongshong shnong ki lah ban phah pisa laitluid ha ka UPI ia kano kano ka pisa ba la ai jingmynjur khlem da siew ia kano kano ka bai phah pisa.
Q17. Hato ki App jong ka UPI kin sdang ban shim ia ka Platform Fee ha ki jingsiew UPI?
Jubab: Em, ki nongpynbiang ia ka UPI App kim dei ban shim ia ka Platform Fee lane kano kano ka jingshim pisa na ka bynta kano kano ka jingsiew kaba la leh lyngba ka UPI. La khang pyrshah ia ki UPI application ban shim ia ka platform fee ha ki jingsiew UPI.
Q18. Hato ki dor jong ki nongthied kin kiew ha ki dukan lada ki nongkhaii ki sdang ban siew ia ka jingsiew kaba duna?
Jubab: Em, ka jingkylla jong ka iew bad ki jinglong jingman jong ka jingsiew ki pyni ba ki nongkhaii ki pdiang ïa ki jinglut jingsep ba rit ha ka kam digital ban kyntiew ïa ka jingbun ki kam. Ia ki jinglut jingsep ha kaba pdiang ia ka jingsiew la khein kum ki jinglut jingsep ba barabor kiba la pyndap da ka jingkiew jong ki nong pyndonkam, ka dor kaba kham heh, bad ka jingpynduna ia ki jingma ha ka jingpyniaid ia ka pisa. Namar ba ka UPI MDR ba la tyrwa ka kham duna shibun ban ia ka bai credit card bad ka treikam tang halor ki kyndon ba la buh kyrpang jong ka jingsiew, ki nongdie dukan kim ioh jingmyntoi da kaba pynkiew dor ia ki dor ia ki mar. Ki nongthied kin dang bteng ban siew ia ka dor ba la buh thikna na ka bynta ki mar bad ki jingshakri.
Q19. Hato ngan donkam ban siew ei ei haba nga scan ia u QR code ha u nongdie dukan?
Jubab: Em, ka jingscan ia ki QR code ha ki iew ki hat, ki nongdie jingdie ha surok, lane ki dukan barit baria kan dang long ka bym donkam jingsiew na ka bynta ki nongthied. Ka liang jong ki nongthied ha kaba iadei bad ka QR kam donkam ban siew eiei, khlem da khein ia ka dor thied. Ia kane ka policy la shna khnang ban iada ia ki jingthied barit ba man ka sngi kum ki jaka die sha, bad ki jingpynkit mar ha ka thain na kano kano ka jingbankhia jong ka jinglut. Ki nongthied ki lah ban bteng ban scan ia ki QR code da kaba shaniah pura ba yn ym don ka jinglut.
Q20. Hato ki don ki jingpynbeit ia u pud man ka bnai ha ki jingsiew UPI ba pyndonkam ei ki nongthied?
Jubab: Em, ym don ki jingbuh pud man u bnai, ki jingpynbeit ia ka jingbun, lane ki jingpynbeit ba la buh kyrdan ha ki jingpynsiew UPI ba ym donkam jingsiew ei ei na ka bynta ki nongpyndonkam. Ki nongpyndonkam ki lah ban pyndonkam katba lah ki jingsiew person-to-person(P2P) lane person-to-merchant (P2M) katba donkam ha baroh shibnai khlem da poi sha uno uno u pud jong ki jingsiew. Katba ki bank shimet bad ka NPCI ki pyntreikam ïa ki kyndon jingïada ba man ka sngi halor ki jingkheiñ jingdiah ba la lum lang (kham bunsien T.1 lak haduh T.5 lak katkum ka kyrdan jong ka jingsiew), kine ki dei ki kyndon jingiada ïa ki jingma, ym ki kyrdan jingsiew khaii. Ha kano kano ka rukom, ki nongthied kim don jinglut watla ki pyndonkam ia ka UPI katno katno sien ruh.
Q21. Hangno ki nongpyndonkam ki lah ban ioh jingpynshisha shaphang ki jingpynbna ba thikna ha kaba iadei bad ki jingsiew UPI?
Jubab: La kyntu jur ia ki nongshong shnong ba kin buddien ia ki jingpynbna ba la pynmih da ka Tnad kam pla tyngka, ka Reserve Bank of India (RBI), lane ka National Payments Corporation of India (NPCI).
Namar ki khubor hamsaïa ha ki social media bad ki khubor kiba ïalam bakla ha kaba ïadei bad ka jingsiew bai pyndonkam, ka sorkar ka la kyntu ïa ki paidbah ba kim dei ban phah ïa ki khubor ki bym pat pynshisha. Ki jingpynbna paidbah ba la pynmih lyngba ka Press Information Bureau (PIB), RBI lane NPCI ki long kum ka tyllong ba kongsan jong ka polisi pyniaid ba thikna. Ki nongpyndonkam ki lah ruh ban peit ia ki jingpynbna ba la pynshisha hapoh ki aplikeshon bank ba kongsan jong ki.
Q22. Hato ka jingwanrah ia ka MDR ka ktah ia ki jingsiew ba khate hi kum ki bill ba siew man ka por lane ki jingsiew OTT / Mutual Fund?
Jubab: Em, ki jingbthah ban khate dalade, ba la tip kum ki UPI Mandates lane ka AutoPay, kim don ia ki jingsiew ba la buh ha ka jingsiew MDR. Ki jingsiew ba la buh da kaba pyndonkam da ki jingkhate dalade na ka bynta ki bill ba siew man ka por, ki bai pyndonkam OTT, bad baroh ki jingbei tyngka ba hap siew man ka por bad kiwei kiwei kin ym siew ia kano kano ka jingsiew MDR ba la buh na ka bynta ka jingsiew.
Ka bynta kaba 3: Ki Micro Merchant (P2PM) bad ki nongkhaii barit baria
Q23. Hato ki nongdie jingdie barit baria (P2PM) kin hap siew MDR ha ki jingsiew UPI?
Jubab: Em. Ki nongkhaii barit baria kiba treikam hapoh ka P2PM kin bteng beit da ka zero MDR. Kine ki dei ki nongdie jingdie kiba rit baria kiba ioh pisa haduh 1 lak shibnai lyngba ka UPI QR sha ki account jong ki. Ka kyrdan P2PM ka kyntiew ia ka jingpdiang ia ka jingsiew digital hapdeng ki nongkhaii barit bad ha ka bynta jong ki nongkhaii bym pat ioh jingithuh.
Nalor kata, ki nongdie jingdie barit baria ki treikam hapoh ki jingpyniapher ba kyrpang jong ki nongdie jingdie kiba rit baria (P2PM), kiba iada ia ki na ki jingsiew bai khaii. Ka rukom treikam jong ka MDR ka long kaba la shna kyrpang ha ka rukom ba ki kam barit baria ha ka kam die mar bym pat ioh jingithuh ki lah ban pdiang ia ki jingsiew digital khlem kano kano ka jingpynduna ia ka jingiohnong.
Q24. Kaei ka rukom treikam jong ka P2PM bad kumno ka iada ia ki nongkhaii kiba rit baria?
Jubab: Ka rukom treikam Person-to-Person-Merchant (P2PM) ka dei ka kyrdan account ba kyrpang ba la wanrah da ka NPCI ban kyrshan ia ki nongdie jingdie barit baria kiba ioh ia ka jingsiew beit beit sha la ki jong ki bank account shimet. Hapoh ki kyndon jong ka P2PM, ki nongkhaïi barit baria kiba ïoh haduh T.1 lak shibnai lyngba ki UPI QR code ki ïoh ïa ka zero-MDR kaba donkam. Kane ka jingpyniapher ka pyniasoh ia ki jingpynbeit jong ki nongdie jingdie ha surok ki bym pat ioh jingithuh bad ki nongkhaii ba la ioh jingthuh kiba ioh ia ki account, kaba pynthikna ia ka jinglut kaba ym donkam jingsiew na ka bynta ki kam barit baria. Ka kyntiew ia ka jingpdiang ia ka jingsiew digital ha kylleng ki kam bym pat ioh jingithuh.
Q25. Hato ki nongkhaii barit baria ki donkam ban pynbha ne pynkylla ia ki QR code kiba la don lypa?
Jubab: Em. Ki jingdon jingem ba iadei bad ki QR kiba la don lypa kin dang treikam kumba ju long. Ki nongkhaii kim donkam ban bujli, pynrung kyrteng biang, ne pynkylla ia ki jaka buh QR ne ki sounbox ba la don lypa jong ki. Baroh ki UPI QR code kiba la buh mynta ha kylleng ki dukan kin dang bteng ban pyntreikam ia ka jingsiew khlem jingthut. Ki nongkhaii ki lah ban ioh ia ki jingsiew jong ki nongthied lyngba ki jingpynbeit ba la don lypa jong ki khlem da hap leit sha ka tnad bank ne pynthymmai ia ka software.
Q26. Kaei kaba jia lada u nongkhaii barit baria u ioh ia ka jingsiew kaba palat ia ka T.2,000?
Jubab: Ia ka jingpyndonkam ia ka MDR la pynbeit da ka jingpyniabynta ia ki account jong ki nongkhaii baroh. Ka jingpdiang ia ka jingsiew kaba palat ia ka T.2,000 kam buh jingsiew ia u nongkhaii barit baria uba treikam hapoh ki kyrdan ba lait kum ka P2PM.
Yn wanrah ia ka MDR kaba 0.4% ha ki jingsiew UPI Person-to-Merchant (P2M) kiba palat ia ka T. 2,000/-. Na ka bynta ki jingsiew ba T.75,000/- shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Q27. Lano yn pyndep ia ka rukom treikam kaba bniah na ka bynta ka fund jong ki nongkhaii barit baria?
Jubab: Ia ka rukom treikam kaba bniah na ka bynta ka fund ba kyrpang na ka bynta ki nongkhaii barit baria yn sa pynbeit da ka jingiasyllok bad ka Reserve Bank of India (RBI) hapoh ki lai bnai ban wan. Kane ka jingtreilang kan pyni ia ki kyndon ba thikna jong ka jingai pisa, ki jingthmu ba kongsan jong ka thain, bad ki rukom ai jingmyntoi ia ki nongkhaii. Ki jingiamir jingmut bad ki nongshim bynta kin pynthikna ba ka skhim kan weng ia ki jingeh ha ka jingsam mar ha ki shnong ha ka rukom kaba biang.
Q28. Hato u nongkhaii barit baria u donkam ban pynrung kyrteng ia ka GST ban ioh jingmyntoi na ka zero MDR?
Jubab: Em, ka jingpynrung kyrteng GST kam donkam na ka bynta u nongkhaii barit baria ban ioh ia ki jingiada zero MDR ha ki jingsiew UPI. Ka jingbit ban ioh ia ka jingpyntreikam kaba ym donkam jingsiew ei ei hapoh ka kyrdan P2PM la pynbeit da ki jingthew jingkhein ba man u bnai (haduh T1 lak shibnai) bad ka bank account.
ka jingbuh kyrdan, khlem da khein ia ka kyrdan jong ka jingpynrung kyrteng khajna. Ki karkhana barit baria kiba treikam hapoh u pud jong ki khajna ba la buh da ka ain kiba don hapoh u pud ki lah ban pyntreikam ia ki jingsiew digital khlem da ai ia ki kot ki sla kiba iadei bad ka GST. Kane ka iada ia ki kam barit baria kiba pyndonkam ia ki lad ai jingsiew digital nak aba hap bad bud ia ki katto katne ki kamram ba hap ban pyndep.
Q29. Kumno ki bank kiba shim kin ithuh ia ki nongkhaii barit baria (P2PM) kiba dei hok ban ioh ia ka MDR kaba ym donkam jingsiew?
Jubab: Ki bank kiba shim bad ki nongpyniaid ia ki jingshakri ai jingsiew ki pyndonkam ia ka jingpeit bniah ia ka jingstet jong ka jingsiew na ka bynta ki nongkhaii kiba la shim hapoh ka kyrdan P2PM ban buddien ia ka jingthew jong u pud ba T.1 lak shi bnai ka pisa ba wan. Ki nongkhaii kiba don ia ka jingrung pisa lyngba ka UPI ba palat ia ka T.1 lak shibnai, ba bud ryntih haduh 3 bnai, la pynkylla ia ki hapoh ka kyrdan P2M.
Q30. Hato ka zero MDR ka treikam ia ki jingsiew QR code ba la pdiang ha ki jaka nongkyndong?
Jubab: Hooid, ka zero MDR ka treikam na ka bynta ki jingsiew QR code ba la pdiang da ki nongkhaii P2PM ha ki jaka nongkyndong bad ki jaka ba marjan sor. Ka jingpyniar ia ka jingpyndonkam ia ka digital ha kylleng ki jaka nongkyndong jong ka India kalong ka jingthmu ba kongsan jong ka polisi. Baroh ki nongdie dukan ha ki jaka nongkyndong kin ioh jingmyntoi na ki jingpynlait ia u pud (zero MDR hapoh T.2000) bad ioh shuh shuh ia ka jingkyrshan lyngba ka jingthmu ban kyntiew ia ka jingsiew ba kyrpang. Shuh shuh, yn ai jingmyntoi ia ki bank kiba ioh ban pyniar ia ka jingpyntreikam ha ki jaka nongkyndong, ban pynthikna ba ka jingban khia ia ki nongdie dukan ha ki thain ka long kaba la ai jingiarap shibun.
Ka bynta kaba 4: Ki nongkhaii kiba heh bad ki rynsan E-Commerce
Q31. Kaei ka MDR kaba lah ban pyndonkam na ka bynta ki jingsiew ba heh ha ka kam khaii?
Jubab: Yn wanrah ia ka MDR kaba rit kaba 0.4% ha ki jingsiew UPI Person-to-Merchant (P2M) kiba palat ia ka T. 2,000/-. Na ka bynta ki jingsiew ba T.75,000/- shaneng, yn buh pud ia ka MDR haduh T.300 na ka bynta kawei ka jingsiew.
Kane ka dor kaba 0.4% ka kham duna shibun ban ia kiwei pat ki lad pyntreikam ia ka jingsiew kum ki credit card ne ki lad ai jingsiew. Shuh shuh, ki jingsiew ba hapoh ka T.2,000 kim donkam siew ei ei wat na ka bynta ki jaka khaii kiba la skhem. Kane ka rukom treikam kaba ryntih ka pynthikna ba ki nongkhaii jong ki kompeni ki noh synniang sha ka jingpynbiang ia ki kam katba ki dang pynthikna ba ki jingsiew ba man ka sngi kaba duna bha.
Q32. Hato u don u pud na ka bynta ki jingsiew UPI kiba heh bha?
Jubab: Em, ban ïada ïa ki kam khaii kiba pynïaid ïa ki jingsiew kiba heh, la buh ïa u pud uba long T.300 na ka bynta kawei ka jingsiew na ka bynta ki jingsiew kiba T.75,000 shaneng. Kum ka nuksa, ka jingsiew kaba shongdor T.1,00,000 kan ym don ka jingsiew kaba pynshong nongrim ha ka percentage kaba ₹400; ha ka jaka kata, ka bai pyndonkam ka sangeh ha u pud ba la buh kaba long T.300. Ka pynthikna ba ki jinglut jingsep kiba heh ki dang lah ban tip lypa bad kiba lah ban iakhun.
Q33. Kiei ki thup ba kyrpang kiba biang ban ioh ia ka MDR kaba ryntih ha ka jaka jong ka dor ba la buh da ka percentage?
Jubab: Na ka bynta ki thup nongkhaii ba kyrpang kum ka railways, ki jingshakri telecom, insurance, bad ka umphniang, nalor kiwei pat, ka MDR kaba ryntih kaba long T.5 na ka bynta kawei ka jingsiew kan long na ka bynta ka jingsiew kaba palat ïa ka T.2,000.
Ha ka jaka ban pyndonkam ia ka dor ba iabiang lang kaba 0.4%, kine ki kam ba kyrpang ki siew ia ka jingsiew ba la buh kaba T.5 khlem da khein ia ka dor jong ka jingsiew. Kane ka rukom siew kaba ryntih ka iada na ka jingkiew dor ha ki jingshakri paidbah kiba kongsan, ka jinglum ia ki bill jong ka bording, bad ki kam kiba duna ka jingiohnong kum ka jingdie umphniang. Ka pynthikna ba ki jingshakri ba kongsan jong ki nongthied kin dang long kiba duna dor bad kiba treikam bha ha ka kam digital.
Q34. Hato ki nongkhaii jong ki karkhana ki lah ban aiti ia ka MDR sha ki nongthied?
Jubab: Em, ki nongkhaii kim lah ban aiti ïa ki jingsiew MDR sha ki nongthied katba ki dang pdiang ïa ki jingsiew lyngba ka UPI. Ka rukom treikam ka pynthikna ba ki nongthied ki siew tang ia ka dor ba la buh.
Q35. Kumno la khein ia ka MDR ha ki jingsiew ba thikna (kum ka nuksa, T.5,000 pyrshah ia ka T.1,00,000)?
Jubab: Ki jingkhein MDR ki bud ia ka rukom kaba shai bad kaba lah ban tip lypa katkum ki jingthew ia u pud jong ki jingsiew. Na ka bynta ka jingthied kaba T.3,000, ka jingpyndonkam ia ka dor 0.4% ka wanrah ia ka bai MDR kaba T.12 kaba la siew da u nongkhaii sha ka bank. Na ka bynta ka jingthied kaba T.50,000, ka jingsiew 0.4% ka iaryngkat bad ka T. 200. Hynrei, na ka bynta ka jingthied kaba heh kaba T.1,00,000, ïa ka jingkheiñ 0.4% (kaba ïaryngkat bad T.400) la bujli da u pud ba la buh kaba haduh T.300 (T.300 ka long u pud ba la buh ryntih na ka bynta kawei ka jingsiew na ka bynta ki jingsiew kiba T.75,000 shaneng. Kano kano ka jingsiew kaba hapoh T. 2000 kam don MDR.
Ka jingsiew sha u
Nongkhaii
MDR ba lah ban pyndonkam Ka MDR ba la siew da u Nongkhaii
₹ 2,000 – ₹ 0
₹ 3,000 0.40% ₹ 12
₹ 50,000 0.40% ₹ 200
₹ 75,000 and above Fixed ₹ 300 ₹ 300
Q36. Hato ka MDR ka treikam na ka bynta ki jingsiew ba leh lyngba ki Credit Card ba la pynïasoh ha UPI lane ki Credit Line?
Jubab: Ki jingsiew UPI kiba iadei bad ka ram, kum ki RuPay Credit Card kiba iasoh bad ka UPI lane ki ram bank ba la mynjur lypa, ki treikam katkum ki kyndon jong ki ram ba kyrpang. Namar ba ki jingsiew ba iasoh bad ka ram ki kynthup ia ki ram ba lyngkot samoi ba la bei tyngka da ki bank ba ai ram, ki bud ia ki kyndon ba la buh na ka bynta ki credit card. Ka MDR ba la iakren ha kane ka jingpynkylla ka treikam kyrpang ia ki jingsiew UPI beit beit na ka account jong ki nongpyndonkam- sha ka account jong u nongkhaii.
Ka bynta kaba 5: Ki jingsiew Capital Market (Ki Mutual Fund, ki Security, ki Broker & ki Dealer)
Q37. Kiei ki dor bad ki pud ba kyrpang jong ka MDR kiba treikam na ka bynta ki jingsiew Capital Market lyngba ka UPI?
Jubab: Ka Merchant Discount Rate (MDR) na ka bynta ki jingsiew Capital Market, kynthup ia ki jingsiew sha ki Mutual Fund, ki Security, ki Stockbroker, bad ki Dealer, la buh ha ka dor kaba duna kaba 0.02% na ka dor jong ka jingsiew bad u pud ka long T.300. Ka jingsiew ka kham duna ban ia ki dor ba la buh ha ka kam khaii ban pynshlur ia ka jingiashim bynta jong ki nongdie mar ha ki iew pisa ba la ioh jingithuh.
Q38. Kiei ki kynhun bad ki jait jingsiew ba la kynthup hapoh kane ka rukom treikam jong ka Capital Market MDR?
Jubab: Kane ka kyrdan MDR ba kyrpang ka kynthup shai ia baroh ki kynhun ba la pynbeit ryntih kiba treikam hapoh ki capital market, kynthup ia ki Asset Management Company (ki Mutual Fund), ki stockbroker ba la pynrung kyrteng ha ka SEBI, ki nongpyniaid ia ki security, bad ki rynsan bei tyngka. Ka treikam na ka bynta ka jingphah pisa ba la pyntreikam lyngba ka UPI na ka bynta ka jingthied ia ki equity, ki jingbei tyngka ha ka iew ai ram, ka jingthied ia ka mutual fund, bad ki broker wallet top-up. Da kaba batai kyrpang ia kane ka kyrdan, la pynthikna ba ki capital market transfer ki long kiba pher na ka jingthied mar ba man ka por ne ki jingsiew ia ki jingshakri.
Ka bynta kaba 6: Ki kam ba kyrpang – Ki Industry Program Merchant
Q39. Hato ki jingsiew bai insurance ki long kiba lah ban ioh ia ki jingpynlait ba kyrpang na ka MDR?
Jubab: Hooid, ki jingsiew bai insurance ba la pdiang lyngba ka UPI ki long kiba biang na ka bynta ki jingpynlait ba kyrpang ha ka dor ba ryntih. Na ka bynta ki jingsiew bai insurance kiba palat ia ka T.2,000, ka MDR kaba ryntih kaba T.5 na ka bynta kawei ka jingsiew ka treikam, ym ka jingsiew kaba pynshong nongrim ha ka percentage. Kane ka rukom pynduna ka pynthikna ba ki nongshim policy kiba siew ia ka jingsiew insurance kaba heh man la u snem ne shiteng snem kim iakynduh ia ka jingeh kaba jur ha ka jingsiew. Ki kompeni insurance ki ioh jingmyntoi na ki jinglum digital ba duna dor, kaba iarap ban pyniar ia ka jingpynbiang insurance ha kylleng ka ri India.
Q40. Kumno ka MDR ka treikam na ka bynta ban thied umphniang ha ki jaka theh umphniang lyngba ka UPI?
Jubab: Ki jingthied umphniang ha ki jaka theh umphniang lyngba ka UPI ki ioh ia ka dor ba la buh ryntih kaba long T.5 na ka bynta ki jingsiew palat ia ka T.2,000. Ka jingsiew T.5 ka ïada ïa ki nongpynïaid petrol pump na ka bai lutksan kaba heh ha kaba pyndap biang ïa ki tank. Na ka bynta baroh ki jingsiew bai umphniang hapoh T.2,000, ka MDR ka long 0%, kaba pynthikna ba ka jingtheh umphniang jong ki nongleit nongwan man ka sngi ka long kaba khlem jingsiew ei ei, katba ki nongpyniaid ia ki jaka theh umphniang kim hap ha kano kano ka MDR ha kum kine ki jingsiew.
Q41. Hato ki jinglum jingsiew jong ka sorkar (bording, um) kin hap siew percentage MDR?
Jubab: Ki jingsiew na ka bynta ki jingdonkam paidbah kum ka jingpynpoi bording, ka jingsiew bai um ha ki jaka sor, bad ka natural gas ba la pynpoi da ki pipe ki hap hapoh ka kyrdan jong ka Industry Prokram ba la buh kyrpang. Na ka bynta ki jingsiew bill kiba palat ia ka T.2,000, ka MDR ba la buh kyrpang kaba T.5 ka treikam ha ka jaka jong ka 0.4%.
Ki jingsiew ia ki jingdonkam hapoh T.2,000 ki don zero MDR. Kane ka rukom treikam ka pynthikna ba ki board jong ki jylla bad ki municipal corporation ki lah ban pynkylla digital ia ka jinglum bill khlem da siew bai pyntreikam kaba heh, kaba pynthikna ba ki jingshakri na ka bynta ki paidbah ki long kiba jem dor.
Q42. Hato ki jaka pule ki lait na ka jingsiew MDR percentage?
Jubab: Ka jinglum bai pule puthi, kynthup ia ka bai skul, bai pule ha ki skulbah, bad ki entrance eksam sha ki jaka pule, ki hap hapoh ka kyrdan jong ka Industry Prokram ba la buh kyrpang. Ki jingsiew ba palat ia ka T.2,000 ki ioh jingmyntoi na ki rukom siew ba buh ryntih lane ki dor pyntreikam ba la buh kyndon, kaba khanglad ia ki jinglutksan kaba bun katkum ka percentage jong ka jingsiew ba heh. Ki jingsiew ia ka jingpule haduh T.2,000 ki long kiba lait na ka MDR. Kane ka jingpynbeit ka pynthikna ba ki skul, ki kolej, bad ki samla pule ki lah ban siew ia ka bai skul da ki lad digital khlem da siew ia ka bai pyntreikam kaba heh.