MDR-[1] P2P-Person to Person-No charges [2] MDR charges on UPI payment  r much  lower- -[a]-credit cards  –1.5% to 2.5% [b] debit cards -@ 0.9% –[3] Purpose of MDR on UPI– is to create a dedicated fund to extend financial assistance to the ecosystem players for merchant on-boarding and incentivise growth of UPI transactions amongst existing small merchants [4] and also to  establish a sustainable commercial framework which also encourages new  fintech startups and technological companies to enter digital payments space–Courtesy BusinessLine