The government is moving to allow charges on UPI transactions, amending laws to enable this, potentially targeting large merchants and transactions over ₹2,000. While payment players argue they bear UPI costs, taxpayers already subsidize a significant portion. Concerns exist about merchants passing costs to consumers, potentially reverting to cash. The author questions imposing new charges when public funds already contribute. The decision is unpopular, with suggestions the RBI could fund UPI development from its surplus, offering a less controversial alternative to the government's current path, which aims to boost infrastructure investment.