From ₹10 chai payments to ₹50,000 shopping bills, UPI has changed the way India moves money. But what happens when a payment system that feels free introduces charges for certain merchants? Imagine this: You walk into your favorite store, pick up your products, scan a QR code, and pay instantly. No cash. No long queues. No complicated bank details. Just a few taps on your smartphone. Now imagine hearing that starting October 15, 2026, eligible merchants may have to pay a 0.4%