How to avoid UPI Charges (here you get your answer)

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Last Comment 2023-04-14

ICICI Pockets Offers

abhishek012

2020-05-14

How to avoid UPI Charges (here you get your answer) -

Well, We all know Amazon, Paytm etc give send money or scan & Pay UPI offer

but recently HDFC, KOTAK, Axis & ICICI start charges for UPI transfer and only monthly 20 P2P UPI transfer FREE but unlimited times FREE for merchant UPI and merchant UPI QR (merchant scan & Pay) transaction

1) Here you get your answer How to avoid scan & Pay charges for HDFC, KOTAK, Axis & ICICI customer ?

you already know merchant UPI and merchant UPI QR transaction is unlimited times FREE

so, HDFC, KOTAK, Axis & ICICI customer Pay to any merchant UPI QR code, no charges applicable, unlimited times FREE.

collect your scan & Pay UPI offer and Enjoy.

2) How to avoid Send Money charges for HDFC, KOTAK, Axis & ICICI customer to utilize Amazon, Paytm Send Money offer etc -

Well, this trick work only for few offers -

if you have Phonepe merchant account, Paytm merchant account, GooglePay merchant account, Bharatpe merchant account, BHIM UPI merchant account or any other UPI apps merchant account then you can easily find your merchant UPI ID.

For Example – Paytm merchant account UPI ID is “Pay(your register mobile number)@Paytm”

Phonepe merchant account UPI ID is “Qxxxxxxxxxx@ybl”

Bharatpe merchant account UPI ID is “bharatpe.(your Bharat ID number)@ICICI” or “bharatpe.(your Bharat ID number)@yesbank”

GooglePay merchant account UPI ID is “(your register mobile number)@okbizaxis”, “(your register mobile number)@okbizhdfc”, “(your register mobile number)@okbizsbi” or “(your register mobile number)@okbizicici”

How to find your merchant UPI ID – open GooglePay app, scan your merchant UPI QR Bar code, you will see your merchant UPI ID.

Now open Amazon, Paytm etc app, enter your merchant UPI ID on send money option and directly send money to your own merchant UPI ID and collect your offer.

Enjoy.

Note - Other banks currently no charges for P2P UPI transfer and P2P UPI QR transfer except PMJDY account holder

I think PMJDY account holder get only 4 transaction monthly FREE (ATM cash withdraw, UPI, debit card transaction combined).

Deal Wiki

Last updated by: abhishek012 2020-09-05

New Update - HDFC, Axis & ICICI bank reversed UPI charges

Update -

CBDT has issued Circular no. 16/2020 on 30th August, 2020 advising banks to immediately refund the charges collected, if any, on or after 1st January, 2020 on transactions carried out using the electronic modes prescribed under section 269SU of the Income-tax Act,1961. Banks are also advised not to impose any charges on any future transactions carried through these prescribed modes.

===================

Another trick to loot daily Amazon send money & Amazon scan & Pay offer and avoid UPI Charges-

if you have ICICI Credit card then send money to your ICICI credit card bill payment and scan & Pay QR code.

send money UPI ID -

Make UPI payment through any UPI-enabled app/ Bharat Interface for Money (BHIM) app to ICICI Bank Virtual Payment Address (VPA): ccpay.<16-digit Credit Card number>@ icici (For ICICI Bank American Express Cards, prefix ‘0’ with Credit Card number).

For example – ccpay.43xxxxx665@icici

scan & Pay QR code -

https://www.icicibank.com/online-services/scan-...

Some dimers already used this trick

117 Comments |

43 Dimers

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665065

AtulAggarwal

2020-05-14

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I have icici but no such charges.. Is this because of salary account?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665084

panchabhut

2020-05-14

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ICICI has just declared that they have started the charges effective from 3rd May. It was not applicable earlier.

View 3 more replies

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665068

Nomad

2020-05-14

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Are there any charges for transactions done using UPI for ICICI bank?
As fast as I know it doesn’t.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665185

rohan8397

2020-05-14

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I think DBS has no charges

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665245

abhishek012

2020-05-15

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yes, no charges

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665298

raja

2020-05-15

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hdfc no charges

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665303

Majestic

2020-05-15

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https://www.hdfcbank.com/personal/pay/money-tra...

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665369

rajarew

2020-05-15

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This merchant thing only works for scan and pay right.for send we have no choice,right?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665415

abhishek012

2020-05-15

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open Amazon, Paytm etc app, enter your merchant UPI ID on send money option and directly send money to your own merchant UPI ID and collect your offer.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665481

adrishya

2020-05-15

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any repercussions of opening merchant account in the future?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6667035

bikidas2060

2020-05-16

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There should be, as these things are fraudulent in nature. Bhai I won’t mess with any banking system

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6665551

FIRESTORM

2020-05-15

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For paytm payments bank how many free upi transfers ?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6666167

abhishek012

2020-05-15

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currently, no charges for Paytm bank customers, unlimited times FREE

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6666657

drupal

2020-05-15

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Paytm mobile number@paytm How it is merchant ID ? In paytm upi every customer gets same type UPI id

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6666720

abhishek012

2020-05-15

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My Paytm merchant account UPI ID is “Pay(register mobile number)@Paytm”

For example – if your mobile number is 1234567890 then your Paytm merchant UPI ID is “Pay1234567890@paytm”

but i highly recommended, verify your merchant UPI ID before payment.

How to find your merchant UPI ID – open GooglePay app, scan your Paytm merchant UPI QR Bar code, you will see your merchant UPI ID.

View 6 more replies

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6666796

InvestPotato

2020-05-15

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I guess dimers should make this trending in twitter . #UPICharges smile smile smile smile smile

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6667032

iamabhishek09875

2020-05-16

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What about BOI UPI transaction limit ?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6667040

abhishek012

2020-05-16

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BOI UPI transaction limit or charges ?

BOI UPI transaction no charges, unlimited times free.

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6672104

_One_Miller_

2020-05-19

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Better to Pay CC Bill.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6752874

gkgulshan0259

2020-07-01

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So anyone used Kotak 811 for more than 20 times?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6769263

srini1973

2020-07-09

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Yes, no charges till now, using from past 2 months.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6769525

akashchalana.ac697

2020-07-09

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@abhishek012 hw this trick will work if you want to send payments to other perosns ??

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6769558

abhishek012

2020-07-09

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you get monthly 20 transfer free on HDFC, KOTAK, Axis & ICICI bank.

trick only for UPI loot offers.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6776997

Mumbhai

2020-07-13

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DBS bank no limit?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6777112

abhishek012

2020-07-13

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yes, currently Free UPI transaction.

View 3 more replies

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6798923

abhishek012

2020-07-22

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Good news – NPCI plans to bring back merchant MDR for UPI (maybe banks will again bring back FREE UPI transfer) - https://www.desidime.com/discussions/good-news-...

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6799834

AyushiiiVijay

2020-07-23

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Hope this may be turns to true sleepy

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6800042

Ramesh1997

2020-07-23

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Btw, I missed the post somehow..
thanks for the suggestions.. smile
Vu+kg.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6800778

shh_my_dog_is_sleeping

2020-07-23

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Does adding money in Amazon/PayTM wallet count as merchant transaction? Or will be charged (after free 20 transactions)?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6800842

abhishek012

2020-07-23

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Adding money in Amazon/PayTM wallet count as merchant transaction.

View 1 more reply

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6820995

baniyaji

2020-08-01

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Paying on amazon merchant is free, through amazon??

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6821242

anstar

2020-08-01

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Any charges on paytm bank upi?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6821317

DealsLooker

2020-08-01

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Transfer to pay.*@paytm showing as P2A on my axis statement. Is this chargeable? Only scan payments showing as P2M.

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6822661

Chikky

2020-08-01

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I have been using HDFC, Axis, Kotak 811, Airtel payment bank, paytm bank accounts and making more than 20 P2P transactions from each account every month for Amazon pay and other UPI offers.

None of these accounts has been charged for upi transactions so far.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6822691

abhishek012

2020-08-01

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Axis Bank – Charges not applicable for Priority, Burgundy & Burgundy Private scheme codes

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6822942

agada

2020-08-01

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I got charged Rs 120 by icici for June month pensive .
I was not aware of these new upi charges

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6823561

abhishek012

2020-08-02

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create merchant UPI account to avoid those charges.

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https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6823935

vishal_ag

2020-08-02

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any idea if SBI too charging?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6824057

guest_999

2020-08-02

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Till now, No.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6837482

sarora

2020-08-06

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Good information

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6837668

BlueFlash

2020-08-06

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Quick question: Merchant account is full KYC, so PAN is linked, won’t 26AS track this as an income ?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6837708

abhishek012

2020-08-06

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per day Rs1 + Rs1 amazon offer use karne ka income tax kon leta ha bhai smile

yearly Rs730 hua grinning

Rs100 + Rs100 bhi bhejoge per day toh bhi yearly Rs73,000 hua.

yearly income Rs 5 lakh+ hone chahiye income tax k liye.

View 12 more replies

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6848766

abhishek012

2020-08-10

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Another trick to loot daily Amazon send money & Amazon scan & Pay offer and avoid UPI Charges-

if you have ICICI Credit card then send money to your ICICI credit card bill payment and scan & Pay QR code.

send money UPI ID -

For example – ccpay.43xxxxx665@icici

scan & Pay QR code -

https://www.icicibank.com/online-services/scan-...

Some dimers already used this trick

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6859431

eshoppingfreak

2020-08-15

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As always very useful thread.

@abhishek012 Kotak UPI charges will be shown on the payment page or where? How do we come to know the limit is over?

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6861719

ShreyansSethia

2020-08-16

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I have sent to my phonepe merchant account still they have charged in kotak accounts

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6862253

abhishek012

2020-08-16

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someone told me earlier his Axis bank charge for phonepe merchant UPI payment but not charge for GooglePay merchant UPI payment.

maybe some Phonepe UPI QR/UPI ID not registered as a merchant.

pay to GooglePay merchant UPI, BharatPe merchant UPI or Paytm merchant UPI.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6862114

BlueFlash

2020-08-16

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Can someone please tell if this Amazon UPI transfer offer is only for prime customers ? also how long has this offer been there approximately ? and till when is it gonna be there (in case it’s mentioned somewhere)
@abhishek012

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6862258

abhishek012

2020-08-16

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Amazon UPI transfer offer & Scan n pay offer valid for all amazon users (non-prime also).

offer valid till 31th Aug and maybe renew next month.

https://www.desidime.com/discussions/how-to-avoid-upi-charges-here-you-get-your-answer?page=1#post_6875717

_One_Miller_

2020-08-22

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@abhishek012 How to avoid charges in case excess debit transactions?
Banks also set limit of max number of free transactions in a month/quarter/half-year/year. This limit includes all debit transactions and there’s nothing like unlimited merchant transaction in this case. This limit varies from bank to bank.

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