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RUPAY RuPay is the first of its kind global card payment network of India, with wide acceptance at ATMs, POS devices and e-commerce websites across India. RuPay is a product of NPCI, the umbrella organisation that powers retail payments in the country. Its ten core promoter banks are State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union Bank of India, Bank of India, ICICI Bank, HDFC Bank, Citibank N. A. and HSBC. Currently 56 banks are shareholders of NPCI. The name derived from the words ‘Rupee’ and ‘Payment’, emphasizes that India’s very own initiative for card payments. It is India’s answer to international payment networks, expressing the pride of nationality. Its logo in dark blue colour has its name written in bold italic sans serif followed by two overlapping triangles in orange and green, symbolising swiftness of transactions.

UNIFIED PAYMENTS INTERFACE Unified Payments Interface (UPI) was developed by the National Payment Corporation of India (NPCI) under the guidelines of the Reserve Bank of India. UPI is based on the Immediate Payment Service (IMPS) platform, which offers better security than other payment methods wherein details like credit card numbers etc., are sent. While using UPI, only a Virtual Payment Address (VPA) is used, whereas all the other details remain hidden. The UPI logo depicts a fast forward button in tricolour of the Indian Flag, which symbolises a fast method of payment.