New UPI Fees Expected to Fund Security and Cross‑border Expansion

Industry experts note that charging merchants will provide a steady source of funds for safeguarding the network and exploring new services such as credit lines and international transfers. Countries like Indonesia and Malaysia already apply tiered merchant fees based on transaction size, proving that a fee model can coexist with rapid growth. The proposed Indian fee is expected to follow a similar logic, ensuring the platform remains sustainable while expanding its reach beyond India’s borders.