Trust
Corrections log
Last updated: 28 August 2026
This list is for material errors — wrong rupee limits, wrong statutory rates, invented product features, or payment claims the code did not support. Typos and layout tweaks do not belong here. Newest first.
Send a correction to feedback@proupiqr.in. How we check figures is in the accuracy policy.
MSMED interest now uses the 5.75% RBI Bank Rate
10 October 2026
The MSME receivables tracker and its pages used a 6.5% Bank Rate (19.5% p.a.), and the MSMED interest calculator's title, intro and FAQ still said 15% p.a. The RBI set the Bank Rate at 5.75% on 7 October 2026, which makes statutory interest 17.25% p.a. with monthly rests. Demand letters drafted earlier overstated interest; recompute them before sending. The rate now lives in one place with its as-of date.
MSME receivables tracker · MSMED interest calculator · Government schemes roundup · Udyam registration guide
P2PM is a bank tag, not automatic under ₹1 lakh
16 September 2026
Activation guides, profession QRs, and some FAQs still said bank-to-bank UPI was always 0% MDR. Copy now follows the 15 October 2026 schedule. Small-merchant exemption is P2PM classification plus the ₹1 lakh/month band — three consecutive months above that typically graduates the account to chargeable P2M. GSTIN is not the test.
Am I a P2PM small merchant? · UPI MDR calculator · P2PM glossary
UPI P2M is no longer universally 0% MDR from 15 Oct 2026
15 September 2026
Copy that said bank-to-bank UPI P2M is always 0% MDR is now dated. From 15 October 2026 a 0.4% merchant discount rate (not a tax) applies to specified P2M payments above ₹2,000, capped at ₹300. P2P, tickets of ₹2,000 or less, and small QR merchants up to ₹1 lakh/month stay free. 18% GST may apply on the MDR with ITC for registered merchants.
PNB and Bank of Baroda daily UPI limits
26 August 2026
The limits table and the matching article said ₹50,000 per day for Punjab National Bank and Bank of Baroda. Both were corrected to ₹1,00,000 to match the bank pages and NPCI-facing sources used by the limits checker. HDFC and Axis transaction-per-day counts were aligned to 20.
MSMED delayed-payment interest is not a frozen 15%
26 August 2026
The MSMED calculator and related copy used a hardcoded 15% p.a. The statutory rate is three times the RBI Bank Rate (6.5% × 3 = 19.5% at the last review). The 45-day wording was also corrected so it is not described as a hard cap on every contract.
Removed unsupported SVG export and “WebAssembly APIs” claims
26 August 2026
Several pages claimed SVG download and “WebAssembly APIs.” The generators export PNG or PDF through JavaScript. Those sentences were deleted or rewritten.
Zero MDR qualified; RuPay credit card on UPI separated
26 August 2026
“0% MDR” was stated without the RuPay credit-card-on-UPI exception. Copy now says bank-to-bank UPI has 0% MDR, and RuPay CC UPI above ₹2,000 may carry interchange per NPCI. Inflated “0.90–1.50%” MDR ranges for that product were replaced with NPCI-facing figures.
UPI error codes U16, U30, and PIN mapping
26 August 2026
The resolver’s seven-code list mapped U16 to “bank down,” U30 to a daily limit, and PIN errors to U14. PhonePe, Zerodha’s NPCI list, and Decentro document U16 as NPCI TXNRISK, U30 as remitter debit failed, insufficient funds as Z9, and PIN as ZM. Unsourced U14/Z5 rows were dropped.
Public seed and instant-paid UTR endpoints removed
26 August 2026
Unauthenticated demo-seed and submit-UTR routes could imply a payment was settled. Customer references now stay pending until the merchant confirms settlement in their own bank records.