UPI
UPI is India's instant payment system. Merchants should verify local entity requirements, PSP support, QR or collect flows, refunds, reconciliation, and settlement before planning an India checkout.
Payment comparison
UPI vs RuPay
UPI and RuPay should be compared by market fit, merchant eligibility, checkout flow, settlement, pricing caveats, and operational support. Compare the practical merchant questions before asking providers for pricing or integration access.
RuPay
NPCI's domestic card network with over 60% share.
Comparison table
Use this table to structure due diligence. Public information is only an initial screening layer.
| Question | UPI | RuPay |
|---|---|---|
| Role | payment_channel | payment_channel |
| Markets | India | India, UAE, Bahrain, Bhutan, Singapore |
| Payment methods | Payment brand, Bank transfer, Instant payment | Card acquiring, regional |
| Merchant fit | Merchant shortlisting, Market coverage review, Onboarding route selection | Both (domestic card network) |
| Entity requirement | Requirements vary by market, entity location, provider route, and merchant risk review. | No (local only) |
| Settlement | Varies by market, acquirer, PSP, and contract terms. | T+1 |
| Pricing signal | Published pricing is suitable for screening only; actual pricing may vary by country, industry, transaction volume, settlement currency, integration model, and contract terms. Confirm official pricing pages or a written provider quote before integration. | Published pricing is suitable for screening only; confirm official pricing or a written provider quote before integration. |
Merchant checklist
- Start with the country where your customers pay, not only with the provider brand.
- Confirm whether each option is a customer-facing method, PSP, gateway, acquirer, wallet operator, card network, or aggregator.
- Ask for written answers on onboarding, restricted industries, refunds, disputes, reserves, settlement timing, payout currency, and support.
- Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.
Questions merchants ask
Should I choose UPI or RuPay?
It depends on your target country, merchant entity, industry, checkout flow, required payment methods, settlement currency, support expectations, and risk review. Use this page to prepare provider questions rather than as a final recommendation.
Can a cross-border merchant use UPI or RuPay?
Possibly, but eligibility must be confirmed with the PSP, acquirer, wallet operator, bank, or platform route for the target country.
Are UPI and RuPay fees fixed?
Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.