The Reserve Bank of India (RBI) has just released an important discussion paper, comprehensively reviewing all digital payment systems and outlining the procedures for levying charges in each. It has asked for feedback on possible changes in policy and charges by October 3. Policy based on this feedback will be crucial to the future of the digital payments system. It’s vital to get this right to evolve a safe, secure, efficient and affordable system, which encourages the uptake of digital transactions. Enabling greater digital penetration is possible only through promoting innovative, interoperable, and inclusive payment systems, which improve the payment