We are aware that most of the small merchants have disabled UPI payments via Rupay CC on their merchant QR, even for small value transactions below ₹2000.
For small merchants below ₹20 lakh turnover, the MDR charges are 0% for Rupay CC payments below ₹2000. I believe there shouldn't be an option to disable Rupay CC payment if the merchant bears no charges.
Therefore, I have filed a complaint with the Department of Financial Services (Ministry of Finance) through the CPGRAMS portal. I have attached my complaint.
I urge the TechnoFino community to lodge similar complaints via the CPGRAMS portal, so that the NPCI and the RBI take some action regarding the ongoing situation. Multiple complaints can move the wheels of the government.
The process of filing a complaint is described below:
You can use my draft complaint below for filing your respective complaints.
Sir/Ma'am,
I acknowledge the satisfactory performance of the RBI and NPCI in promoting Rupay credit cards on UPI. They are bringing a digital payment revolution to India.
However, I have encountered many merchants during payments, who have disabled the acceptance of UPI payments via Rupay credit cards (even for small value transactions less than Rs 2000). I have attached a screenshot for reference. Such activities will essentially make Rupay credit cards on UPI completely useless in the near future.
For small merchants below ₹20 lakh turnover, the MDR charges are 0% for receiving Rupay CC payments below ₹2000. I believe that there should not be an option for disabling Rupay CC payment if no charges are being borne by the merchant.
Therefore, it would be helpful for the citizens of the country if appropriate action is taken by the relevant authorities to rectify the problem.
Regards,
[Your name]
Mob:
For small merchants below ₹20 lakh turnover, the MDR charges are 0% for Rupay CC payments below ₹2000. I believe there shouldn't be an option to disable Rupay CC payment if the merchant bears no charges.
Therefore, I have filed a complaint with the Department of Financial Services (Ministry of Finance) through the CPGRAMS portal. I have attached my complaint.
I urge the TechnoFino community to lodge similar complaints via the CPGRAMS portal, so that the NPCI and the RBI take some action regarding the ongoing situation. Multiple complaints can move the wheels of the government.
The process of filing a complaint is described below:
- Visit CPGRAMS (www.pgportal.gov.in).
Sign up/register if you're a new user, or else log in. - Select "Lodge public grievance".
- Tick the check box then click submit.
- Select "Department of Financial Services (banking division)".
- Under category select DIGITAL PAYMENT by scrolling to the bottom.
- Write your complaint/grievance, attach a PDF (optional), and click submit.
- Fill in your communication details on the next page and then finally click submit.
You can use my draft complaint below for filing your respective complaints.
Sir/Ma'am,
I acknowledge the satisfactory performance of the RBI and NPCI in promoting Rupay credit cards on UPI. They are bringing a digital payment revolution to India.
However, I have encountered many merchants during payments, who have disabled the acceptance of UPI payments via Rupay credit cards (even for small value transactions less than Rs 2000). I have attached a screenshot for reference. Such activities will essentially make Rupay credit cards on UPI completely useless in the near future.
For small merchants below ₹20 lakh turnover, the MDR charges are 0% for receiving Rupay CC payments below ₹2000. I believe that there should not be an option for disabling Rupay CC payment if no charges are being borne by the merchant.
Therefore, it would be helpful for the citizens of the country if appropriate action is taken by the relevant authorities to rectify the problem.
Regards,
[Your name]
Mob:
Attachments
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