With reference to Section 10A of the Payment and Settlement Systems (PSS) Act, 2007, and the prescribed electronic mode of payment, the Unified Payment Interface (in short UPI), we address a simple query. Is it that banks and system providers are required by law not to charge upon any person making or receiving a payment using the UPI? An answer to the above question would clarify a simple situation where we two go Dutch (split the bill) over lunch at a restaurant and you pay the full bill. Should I be confident that the bank cannot charge me (because of the extant law) if I make a payment of Rs 200 to you (the Dutch amount that I owe you) using the UPI? Or, should my lack of confidence prompt me to pay using the little cash that I kept for an emergency situation (where paying digitally is not an option)? The paper dwells on the same and provides a guidance for policy.