Payments
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.
2 posts
Apple Pay is live in India, on one bank’s credit cards
Apple Pay launched in India on 30 September 2026 for Axis Bank Visa and Mastercard credit cards only. No UPI, no RuPay. Who can use it and what’s missing.
Read the numbers →UPI stays free for you. From 15 October, shops pay 0.4% above ₹2,000.
What stays free by law, what the 0.4% merchant fee from 15 October actually costs, and every other 2025-26 UPI change sorted by legal status.
Read the numbers →These posts support Automatic expense tracking in India — start there for the full picture.