MDR is intended to cover costs that the merchant acquirers and PayNet incur to upkeep the payment systems and to maintain high service reliability and robust security standards for users.

These costs are therefore critical to ensure businesses and individuals continue to have confidence in using payment services on a daily basis.

For smaller businesses, a majority of DuitNow QR merchant acquirers announced that they will continue to waive MDR for smaller businesses. PayNet has set aside resources to reimburse acquirers that continue to offer this full waiver for micro and small merchants who uses DuitNow QR payments.