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RuPay

Empowering Financial Inclusion and Digital Payments in India

RuPay is a domestic card payment network and digital payment ecosystem developed by the National Payments Corporation of India (NPCI). Launched with the aim of promoting financial inclusion and reducing dependence on international card networks, RuPay provides a range of payment solutions, including debit cards, credit cards, and mobile payments, designed to cater specifically to the Indian market.

Documentation
% of coverage
  • Country

    India

  • Population

    1.43 billion (estimated)

  • Number of Internet users

    900 million (estimated)

  • Popular payment methods

    Credit Cards, Debit Cards, UPI, E-Wallets, Bank Transfers, Cash Payments

% of coverage
  • Credit Card

    0%

  • Debit Card

    1%

  • E-Wallets

    0%

  • Cash Payments

    0%

  • Bank Transfers

    0%

  • Other

    0%

Payment Method Overview
  • Type:Domestic Card Payment Network & Digital Payment Ecosystem
  • Currency:Indian Rupee (INR)
  • % of coverage:60% of India’s card market
  • Money transfers to date:1 trillion INR (estimated)
  • Total customers:600 million (estimated)
  • Refunds:Yes, subject to issuing bank's policies
  • Chargebacks:Yes

About payment system

RuPay stands as a symbol of India’s commitment to fostering financial inclusion and self-reliance in the digital age. Serving as a domestic alternative to international card networks, RuPay offers a diverse range of payment products that cater to various segments of the population.

RuPay debit and credit cards provide users with convenient access to financial services, allowing them to make transactions at ATMs, point-of-sale terminals, and online platforms. The cards are linked to various banks and can be utilized across a wide network of merchants and service providers.

In addition to card-based payments, RuPay has expanded its ecosystem to include digital payment solutions. Users can link their RuPay cards to mobile payment apps and digital wallets, enhancing their ability to make secure and convenient transactions through smartphones.

RuPay’s success is deeply intertwined with government initiatives aimed at driving digital payments, such as the “Digital India” campaign. Its focus on affordability, accessibility, and innovation aligns with India’s diverse consumer base and technological landscape. By supporting financial transactions in local currency and catering to the preferences of Indian consumers, RuPay is not only revolutionising payment methods but also contributing to the modernization of India’s financial sector.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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