UPI, cards and the rails your money actually moves on — what the rules say, what changed, and what each change costs you.
India moves more money through UPI than through any other retail rail, and the rules governing it change several times a year. Most of what circulates about those changes is wrong — a discussion paper gets reported as law, a proposal gets forwarded as a fee that already exists, and a limit that applies only to merchant payments gets described as applying to everything.
These posts sort payment rule changes by legal status: what is already in force, what has been signed but has not started, and what is still only a proposal with no legal effect. Every claim is tied to the specific RBI direction or NPCI circular behind it, with the date it takes effect, so you can check the status yourself rather than trusting a screenshot.
These posts support Automatic expense tracking in India — start there for the full picture.