Official BaselineUPI is 100% surcharge-free for buyers. Kirana stores pay 0% fee under ₹2,000 (PIB PRID 2310586)

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Last updated: 17 September 2026

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2. Permitted Use & Circumvention Prohibition

UPIfree provides tools for calculation, payment comparison, and genuine bill-sharing. You expressly agree not to use UPIfree to structure artificial transactions, disguise single commercial purchases, or attempt to circumvent merchant discount rates, payment classification rules, or banking regulations.

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All content and calculations are provided for educational and informational purposes. While we strive for absolute source fidelity, financial terms must be verified with your respective bank or acquiring institution.