RuPay Card

Country: India (IN) | Payment Rail: card_network

Card Market Adoption: 30%

RuPay is India's national card payment scheme, offering domestic debit and credit card processing with low merchant fees and government support.

🔄 User Payment Flow

Customer enters RuPay card credentials on merchant checkout
Customer completes 2FA authentication using OTP received via SMS
Transaction is processed instantly and bank account is debited

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	YES
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant sends payment parameters to Indian local acquirer gateway
Acquirer validates transaction via NPCI network
Merchant receives instant API callback response

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayU🔌 Razorpay