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# Why does RazorPay charge transaction charges for UPI when it is free in India?

UPI transactions are typically free for direct person-to-person transfers in India. 

However, what you're seeing are payment gateway processing fees, not UPI charges themselves.

Since this is a service that RazorPay provides, they charge a certain % of the transaction as fees for their service. This is a standard practice on many sites, including IRCTC - where you pay a certain minimum charge + a certain % which changes depending on whether you want to use a credit card, debit card, UPI, Netbanking or wallet for payment.

Similarly, we allow our students to pay using various payment methods. And RazorPay charges a small fee [transaction charges] for allowing us to give this service to you.

We've carefully selected RazorPay as our payment partner to ensure reliable service while keeping these fees as reasonable as possible.