Asia-Pacific · Available
Payment methods in India
India pays online with UPI: the NPCI's instant system handles the majority of digital payments, confirmed with a PIN in any UPI app and settled in seconds. Cards and wallets such as Paytm and PhonePe follow; IMPS and NEFT carry payouts. The RBI regulates aggregators, while a payment gateway like Tranzify provides technology without handling funds.
Market facts
- Currency
- INR · Indian rupee
- Region
- Asia-Pacific
- Payments regulator
- Reserve Bank of India (RBI)
Payment methods
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Bank transfers & instant payments | UPI | 60 % |
| Bank transfers & instant payments | IMPS / NEFT | — |
| Wallets | Paytm | — |
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | Google Pay | — |
| Wallets | Apple Pay | — |
| Cards | RuPay | — |
| Bank transfers & instant payments | Net banking | — |
The market
UPI grew into the largest real-time payment system in the world by volume; QR codes and app intents are everywhere. Card payments remain for larger tickets and subscriptions, with RBI tokenisation rules for stored cards.
How Tranzify clients launch
Enable an RBI-authorised aggregator from the catalogue, offer UPI first with intent on mobile and QR on desktop, add cards and wallets, and route payouts through IMPS.
Providers active in India
How to launch here via Tranzify
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Frequently asked questions
Is UPI enough for an Indian checkout?+
Who is the licensed party?+
Articles about India
Other countries in the region
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements