Banks and payment providers would remain barred from directly or indirectly charging people who make or receive payments through digital payment methods covered by the government. The current system links that protection to payment methods prescribed under the Income-tax Act, which has supported the zero-charge treatment of BHIM-UPI and RuPay debit card transactions. Under the bill, the central government would instead specify which payment methods are covered through separate notifications. Instead, it changes how the government decides which digital payment methods remain protected from charges. NPCI Looks to Expand UPI OverseasNPCI is in talks with Japan, Malaysia and Bahrain, Bloomberg reported, citing CEO Dilip Asbe.