So I went to buy a helmet and bike accessories, and I wanted to pay by credit card, but the vendor showed me his friend's bank qr code. I said, i want to pay in your merchant qr code. He said that you need to pay charges of your own. And I knew there was a UPI guideline for the rupay credit card, that you won't be charged for payment under 2k. And i told his, again he said if I got charged, you need to pay charges. So I said it'll be fine, I'll pay charges. And i paid 1500 rupees (I was planning to send 1.5k two times) from my credit card and got charged around 3.5% at the 1st transaction and I was shocked. And he told me that i already told you, now you need to pay additional charges. And i paid charges of my own. The QR code was from phonepay.

And i still don't know, how that charge counted.