What is RuPay?
RuPay is India’s very own card payment network, created to make digital transactions easy, secure, and accessible for everyone. The name comes from the words ‘Rupee’ and ‘Payment’, showing that it is truly a homegrown solution.
With RuPay, you can pay at ATMs, swipe at shops, and shop online — all within a highly secure network that protects you from frauds like phishing. It is India’s answer to international card networks, bringing pride and independence to our payment systems.
Who Made RuPay?
RuPay is a product of the National Payments Corporation of India (NPCI). NPCI was set up under the Payment and Settlement Systems Act, 2007 to create a safe and modern payment system in India. It works as a not-for-profit company under the Companies Act, with the goal of building infrastructure for a ‘less-cash’ economy.
The Journey of RuPay
- Launched with National Support: Dedicated to the nation by the President of India and supported by the Prime Minister.
- Adopted in Government Schemes: Became the official card for the Pradhan Mantri Jan Dhan Yojana.
- Different Variants for Everyone: Classic, Platinum, and Select cards offer various privileges like airport lounge access, concierge services, cashback, health benefits, and insurance.
RuPay Contactless – Tap and Go
RuPay Contactless cards make payments faster and safer — just tap your card on the reader, and you’re done.
Special Features:
- Works for shopping, travel, tolls, parking, and metro rides.
- Can store monthly passes and tickets.
- Designed to support the National Common Mobility Card (NCMC) vision of “One Card for All Payments.”
NPCI SecureNxt – Safer Online Payments
SecureNxt is RuPay’s advanced online payment security feature. It uses EMV 3-D Secure technology to protect your information while making online purchases.
Benefits:
- Strong encryption for data safety.
- Higher success rates for online transactions.
- Global compliance with e-commerce security standards.
Device Tokenization – Next-Gen Security
Device Tokenization replaces your actual card number with a unique encrypted code (token) stored safely on your device.
Why it’s safer:
- No need to share real card details.
- Works for payments on mobile apps, websites, and wearables.
- Reduces fraud risks while making checkouts faster.
RuPay AutoPay – Set It and Forget It
With RuPay AutoPay, you can automate recurring payments like bills, subscriptions, insurance premiums, and EMIs.
Advantages:
- No need to remember due dates.
- Works for debit, credit, and prepaid cards.
- Improves payment success rates and saves time.
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