Cards · On request
RuPay
RuPay is the domestic card scheme of India, launched by the National Payments Corporation of India (NPCI) in 2012: banks issue RuPay debit, credit and prepaid cards, the debit cards of the Jan Dhan financial inclusion accounts among them, and RuPay credit cards can be linked to UPI. Every online RuPay payment carries the additional factor of authentication the Reserve Bank of India requires, usually a one-time password; settlement is T+1, disputes follow the scheme's rules, and a Tranzify client enables it on request.
Key facts
- Countries
- India
- Currencies
- INR
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card number, expiry and CVV on the payment form and recognises a RuPay BIN, or uses a network token saved for a returning payer.
- The issuing bank authenticates the payer with a one-time password or an equivalent second factor, as the RBI requires.
- The provider authorises the payment on the RuPay network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
RuPay against international cards in India
RuPay cards are the debit cards of hundreds of millions of basic bank accounts and a growing share of credit cards; Visa and Mastercard remain the cards for travel and foreign online spending.
| RuPay | Visa / Mastercard | |
|---|---|---|
| Operator | NPCI | the international schemes |
| Launched | 2012 | — |
| Cards | debit, credit and prepaid cards of Indian banks | debit and credit cards |
| Authentication | second factor on every online payment | second factor on every online payment |
| Settlement | T+1 | T+1 |
| Chargebacks | scheme rules | scheme rules |
| Recurring | yes, by token under the e-mandate rules | yes, by token under the e-mandate rules |
| Payouts | yes, to a card | yes, to a card |
| On UPI | credit cards can be linked | — |
Who uses it
E-commerce and travel for purchases paid from the card tied to a salary or basic account, digital goods for top-ups, education for tuition fees. A client (a payment company) enables Razorpay for RuPay under its own contract; the integration is enabled on request.
How to connect
- 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.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
How is a RuPay payment authenticated?+
Are recurring charges possible?+
Who is the licensed party?+
Related methods
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