What should UPI users know before heading out for Diwali shopping?

Consumers shopping for Diwali must know that UPI payments for person-to-person and person-to-merchant transactions carry no extra fees or surcharges. The rollout of Merchant Discount Rate charges on select UPI payments has been postponed until after Diwali. If merchants demand extra fees, consumers should question it, request an itemised bill and retain payment evidence to support complaints.