PWG Business News: Your Gateway to Market Intelligence
PWG Business News is committed to providing real-time updates and expert-driven insights across various industries, including technology, healthcare, finance, energy, automotive, and consumer goods. We deliver carefully curated news, financial reports, and research-based updates, helping businesses and professionals stay informed and competitive in today’s dynamic business environment.
Our News section covers industry-shaping events such as market expansions, new product launches, mergers and acquisitions, policy shifts, and corporate earnings, offering a strategic advantage to decision-makers seeking actionable intelligence. By bridging industry leaders, stakeholders, and professionals with data-driven content, we empower our audience to navigate the complexities of the global market with confidence.
PWG Business News: Keeping You Ahead in the Business World
At PWG Business News, we deliver timely and credible business news, covering global market trends, economic shifts, and emerging opportunities. With comprehensive coverage spanning healthcare, technology, telecommunications, utilities, materials, chemicals, and financials, our platform provides accurate, well-researched insights that drive success for executives, investors, and industry professionals alike.
Whether you're tracking regulatory updates, innovation trends, or strategic collaborations, PWG Business News ensures you have access to high-quality, data-backed reports that enhance brand visibility, credibility, and engagement. Our mission is to keep you ahead by serving as your trusted source for impactful industry news and market intelligence.
Stay informed with PWG Business News – your gateway to the insights that shape the future of business.
Consumer Discretionary
Title: RuPay Credit Cards to Cost Merchants More: Interchange Fees Hike for Select Categories Effective May 2025
Content:
The National Payments Corporation of India (NPCI) has announced revised interchange fees for RuPay credit card transactions, impacting merchants in utility, e-commerce, and travel sectors starting May 1, 2025. The move, aimed at sustaining digital payment ecosystems, could pressure small businesses while aligning RuPay’s fee structure closer to global networks like Visa and Mastercard.
As of April 2025:
NPCI’s revision aims to balance operational costs and incentivize banks to promote RuPay credit cards. Jai Kumar of TechFini notes the move could strain small merchants, who previously benefited from near-zero fees on UPI-linked RuPay transactions[1]. Meanwhile, large merchants—already paying MDR on Visa/Mastercard—may absorb the hike with minimal consumer impact[2][3].
The Centre is separately considering reintroducing Merchant Discount Rates (MDR) on UPI and RuPay debit cards for large merchants (GST turnover > ₹40 lakh)[2][3].
| Aspect | RuPay (Post May 2025) | Visa/Mastercard |
|----------------------|------------------------|------------------------|
| Domestic MDR | 1.1–2.02%[1] | 1.5–3%[5] |
| International POS| 1.2–2%[1] | 2–3.5%[5] |
| UPI Transactions | 0.5–1%[1][5] | Not applicable |
The NPCI’s fee revision and potential MDR reintroduction underscore India’s shift from subsidy-driven to self-sustaining digital payment models. While large merchants may adapt, small businesses face tighter margins, urging policymakers to revisit exemption thresholds[1][3][4].
Keywords:
RuPay credit card fees, NPCI interchange rates, MDR charges 2025, UPI merchant costs, RuPay Platinum fees, digital payment charges, small business impact, e-commerce transaction fees.
SEO Meta Description:
RuPay credit card interchange fees rise up to 2.02% from May 2025. Learn how utility, e-commerce, and travel merchants are affected and strategies to mitigate costs.
