A commenter speculates that large fintech companies like Visa pressured the Indian government to introduce UPI charges on high-value transactions to drive more volume to their card networks.

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  "detected_at": "2026-09-17T01:57:55+00:00",
  "company": {
    "name": "Visa",
    "domain": "visa.com"
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    "post_id": "1wigquk",
    "summary": "A commenter speculates that large fintech companies like Visa pressured the Indian government to introduce UPI charges on high-value transactions to drive more volume to their card networks.",
    "category": "general",
    "comments": [
      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/paaj7wx/",
        "depth": 0,
        "score": 225,
        "author": "BeyondFun4604",
        "excerpt": "We earn rs 10 per bag of cement and for 10 bags transaction is 4000 where we are earning just 100 rupees and now I need to pay 16 rupees to govt. Also my daily upi transactions are more than 2 lakh per day with atleast two transactions more than 75k so it will easily cost me 15k a month and around 2 lakh a year.",
        "posted_at": "2026-09-17T02:31:11.000Z",
        "author_url": "https://www.reddit.com/user/BeyondFun4604/"
      },
      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/paala0j/",
        "depth": 0,
        "score": 105,
        "author": "headshot_to_liver",
        "excerpt": "Its simple, they want you to use cards above 2k and keep using upi for smaller stuff. Reason is lots of fintech companies esp big ones like Mastercard and Visa pressured govt to do so.",
        "posted_at": "2026-09-17T02:42:55.000Z",
        "author_url": "https://www.reddit.com/user/headshot_to_liver/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/paawih1/",
        "depth": 0,
        "score": 25,
        "author": "Zirby_zura",
        "excerpt": "I hope idiots supporting this move could read this and understand.",
        "posted_at": "2026-09-17T03:52:37.000Z",
        "author_url": "https://www.reddit.com/user/Zirby_zura/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/paaubg5/",
        "depth": 0,
        "score": 14,
        "author": "Honest_Ad1632",
        "excerpt": "Same logic applies to low-fee-high-transation mutual funds such as liquid funds or index funds. AMCs take 0.1-0.3% annually, and 0.02% MDR charge applies to every transaction. So if you do 10 transactions, AMCs entire fee is smoked.\n\n Passive funds are the key reason why USA has >95% of its population investing in markets. India is going bakcwards.",
        "posted_at": "2026-09-17T03:38:14.000Z",
        "author_url": "https://www.reddit.com/user/Honest_Ad1632/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/pab3mw9/",
        "depth": 0,
        "score": 8,
        "author": "WavePrevious2296",
        "excerpt": "What about fuel payment through credit card?",
        "posted_at": "2026-09-17T04:41:42.000Z",
        "author_url": "https://www.reddit.com/user/WavePrevious2296/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/pab4hzs/",
        "depth": 0,
        "score": 5,
        "author": "rgp005",
        "excerpt": "They will move back to cash.",
        "posted_at": "2026-09-17T04:47:49.000Z",
        "author_url": "https://www.reddit.com/user/rgp005/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/paaxf08/",
        "depth": 0,
        "score": 4,
        "author": "failgreg",
        "excerpt": "I have never seen a pump deny credit cards for fuel which attracts 2-3% of MDR.",
        "posted_at": "2026-09-17T03:58:40.000Z",
        "author_url": "https://www.reddit.com/user/failgreg/"
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      {
        "url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/comment/pabt001/",
        "depth": 0,
        "score": 3,
        "author": "aalsiaadmi007",
        "excerpt": "When people pay from Credit Card, Debit Card then Petrol pump owners make money?",
        "posted_at": "2026-09-17T08:03:28.000Z",
        "author_url": "https://www.reddit.com/user/aalsiaadmi007/"
      }
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    "evidence": [
      "[comment u/headshot_to_liver] Its simple, they want you to use cards above 2k and keep using upi for smaller stuff. Reason is lots of fintech companies esp big ones like Mastercard and Visa pressured govt to do so."
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    "virality": "very_high",
    "post_date": "2026-09-17T01:57:55.000Z",
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    "post_text": "Petrol pump owner earns ₹3 or ₹4 per litre petrol and ₹2 or ₹3 per litre diesel\n\nLet's consider ₹3 for calculation\n\nSuppose you get ₹3000 fuel with UPI which will attract flat ₹5 MDR\n\nFor calculation consider fuel price per litre ₹100\n\nSo you get 30 litres of fuel , Petrol pump owner earns 30 X 3 = 90 rs\n\nBut I MDR is ₹5 so , On ₹90 income they have to pay ₹5 Tax . That's 5.5% FLAT TAX for petrol pump owners\n\nThere are also other wholesale buisness where margins are razor thin.This small amount will add up on yearly statement.\n\nPetrol pump owner can't raise fuel price like other wholesaler to pass on the cost.\n\nMDR is not on buisness profit but is on BUISNESS REVENUE.\n\nGovernment is saying the tax is just small percentage but it's not.\n\nEDIT\n\nSome queries answered from discussion\n\n//What about Card payments//\n\nAns - Card companies wave of charges on fuel for consumer.Look at your bank statement\n\n//But it costs money for UPI infrastructure//\n\nAns - It also costs money to print and move currency notes.Yet, Government doesn't charge MDR on currency notes. Every digital transaction saves cost on printing and handling.Also, It leaves paper trail and makes it easy to collect tax for government.\n\n//Costs will be borne by companies not consumers//\n\nAns - They will pass it on consumers one way or another.Petrol pump dealers are protesting because they can't charge more than company...",
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      "Discussion :table:"
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    "post_title": "Petrol pumps, Wholesalers and UPI Charges",
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    "source_url": "https://www.reddit.com/r/IndiaTax/comments/1wigquk/petrol_pumps_wholesalers_and_upi_charges/",
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      {
        "name": "Mastercard",
        "role": "competitor",
        "domain": "mastercard.com"
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        "name": "National Payments Corporation of India",
        "role": "competitor",
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