RuPay fees · UnifyPay

RuPay

NPCI · launched 2012

India's domestic card scheme. Debit RuPay carries zero MDR alongside UPI; credit RuPay is priced conventionally.

CardPersonal & business2-3 days3 marketsCross-borderChargeback protection

Reported rate

A scheme- or regulator-set rate, or a widely reported figure. Source: RuPay credit MDR; debit is zero-rated by mandate.

Market

Rate history, 🇧🇹 Bhutan

Online · percentage component

Rates are step functions: each level holds until it is replaced.

Every recorded change, newest first, with the movement from the rate it replaced.

0.60%−0.10 pp · −14.9%
4 Apr 2025 → current
0.70%−0.09 pp · −11.1%
30 Jun 2022 → 4 Apr 2025
Scheme fee pass-through adjusted.
0.79%First on record
1 Jan 2019 → 30 Jun 2022

Online pricing across every country where this method is available, with the cost on a BTN 100.00 payment for comparison.

Market	Listed fee	Cost on 100	Effective	Since	Basis
Bhutan	0.6%	BTN 0.60	0.60%	4 Apr 2025	Reported rate
India	0.6%	₹0.60	0.60%	14 Feb 2023	Reported rate
Nepal	0.6%	NPR 0.60	0.60%	6 Jul 2025	Reported rate