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Showing posts with label UPI. Show all posts
Showing posts with label UPI. Show all posts

Thursday, September 17, 2026

UPI Charges on Transactions Above ₹2,000: सब माया है

 

Satirical cartoon about 0.4 percent UPI charge on merchant transactions above ₹2,000

About Cartoon:

We all love UPI because it is fast, easy, and completely free. It changed the way we buy everything from groceries to clothes. But lately, there has been a lot of talk about adding a 0.4% charge on merchant payments over ₹2,000. This has started a big debate across the country.
My cartoon, "सब माया है" (It's all an illusion), takes a funny look at this situation. First, everyone is told to stop using cash and switch to digital payments. But once everyone actually changes their habits, the rules start to change, and new fees get introduced.
Why this is a big deal for regular people:
  • Small Businesses Suffer: While regular people can still send money to friends for free, shopkeepers have to pay the price. A 0.4% fee might sound small, but for a small business doing many transactions a day, it really cuts into their hard-earned daily profits.
  • Cash Might Come Back: The main point of UPI was to get rid of cash. But if big digital bills start coming with extra fees, people and businesses might just go back to using paper money to save cash.
  • The Extra Cost: If shopkeepers get tired of paying these fees, they will eventually pass the cost onto the customers by raising prices. In the end, the common man is the one who pays.
This cartoon is all about that awkward moment when a free service we all depend on starts turning into a regular business with hidden costs. It reminds us that in the digital world, "free" things don't stay free forever.

Cartoon by Kirtish Bhatt.

Wednesday, September 16, 2026

UPI Charges: Pay Tum Karo... | Cartoon by Kirtish Bhatt

 




About the Cartoon
India’s UPI has made everyday payments incredibly simple—scan a QR code, enter the amount and you’re done. But the story gets a little less simple for merchants when transaction charges enter the picture. The debate over UPI charges, MDR and payments above ₹2,000 is really about who should pay for the convenience of digital payments. Customers want UPI to remain free, while businesses naturally don’t want payment costs eating into their margins. For a small shopkeeper, even a tiny charge can add up over hundreds of transactions. After making “cash nahi hai” almost irrelevant, UPI may have given shopkeepers a new headache: “Charge kitna lagega?”

Cartoon by Kirtish Bhatt