Is there a fee for QR code payments?

Most UPI-based QR code payments are free for customers. However, for merchants, the charges can vary depending on the payment service provider and the total transaction volume. Currently, under government and NPCI guidelines, UPI payments for merchants are generally zero when the transaction is routed directly to a bank account using a QR code. Merchants should always confirm the latest UPI charges with their Payment Service Provider, such as Paytm, for specific use cases.