Retailers see UPI edge over cards despite new MDR hit
India — direction and magnitude withheld
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Key takeaway
Retailers are shifting high-value transactions from credit cards to UPI to lower payment acceptance costs after the new MDR on UPI.
- Step 1 · The triggerthe new MDR on high-value UPI transactions prompts retailers to reassess payment acceptance costs
- Step 2 · Knock-onretailers shift high-value transaction volumes from credit cards to UPI, reducing overall payment costs
- Step 3 · Knock-onpayment-solutions providers like Innoviti Technologies see increased UPI transaction throughput and revenue from merchant processing
- Step 4 · Knock-oncard networks and acquirers lose transaction volume as merchants rebalance payment mix, impacting their fee income
- Step 5 · Reaches youIndian SMEs with significant digital sales see improved net margins as payment acceptance costs fall
The trigger is reported by the source below. The steps that follow are Branch²’s traced reasoning — how the shock could reach a business like yours, not a prediction.
Source: The Hindu BusinessLine
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