Travel Finance UPI Charges Explained: The 0.4% Charge on Payments Above ₹2,000, Who Actually Pays It, and What It Means for You If you’ve used UPI even once this week, you’ve probably already seen some version of this headline: UPI is getting a fee. It isn’t quite that simple, and after two months of tracking this story from the first parliamentary skirmish over it September 15, 2026