What can people do if their shopkeeper charges them a fee for UPI payments. The government has repeatedly clarified that the Merchant Discount Rate (MDR) on UPI payments above ₹2,000 cannot be passed on to the consumers. However, if a shopkeeper asks people to pay a fee for making UPI payments, they should refuse and ask for a receipt showing the base amount. They can then report the shopkeepers via UPI apps and NPCI.