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NPCI · Launched 2012
India's domestic card scheme. Debit RuPay carries zero MDR alongside UPI; credit RuPay is priced conventionally.
A scheme- or regulator-set rate, or a widely reported figure. Source: RuPay credit MDR; debit is zero-rated by mandate.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a NPR 100.00 payment for comparison.
| 0.6% |
| ₹0.60 |
| 0.60% |
| 14 Feb 2023 |
| Reported rate |
| Nepal | 0.6% | NPR 0.60 | 0.60% | 6 Jul 2025 | Reported rate |
Every recorded change, newest first, with the movement from the rate it replaced.
Interchange mix shifted toward premium consumer credit cards.
In Nepal, on the online channel: 0.6%, in force since 6 Jul 2025 (reported rate). Fees differ by market and channel, and the table above lists each one.
It is priced in 3 markets here: Bhutan, India, Nepal. A market missing from the list has not been recorded yet, which does not mean RuPay is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
Bhutan