You can send money to merchants using a RuPay credit card linked to your UPI app. Currently, NPCI allows only RuPay credit cards to be linked for UPI transactions.
To send money:
- Scan the merchant's QR code or enter their UPI ID.
- Enter the payment amount.
- Select your linked RuPay credit card as the payment method.
- Enter your UPI PIN to authorize the transaction.
Note that this feature is generally used for merchant payments and not for person-to-person money transfers.