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Indian retail-payments umbrella body operating UPI, RuPay and IMPS.
India's domestic card scheme. Debit RuPay carries zero MDR alongside UPI; credit RuPay is priced conventionally.
Priced in 3 markets · Headline rate 0.60% · 2-3 days · Personal & business
India's instant account-to-account rail. Person-to-merchant UPI has carried a government-mandated zero merchant discount rate since January 2020, which is why it now dominates Indian retail payments.
Priced in 1 market · Headline rate 0% · Instant · Personal & business
| Market | Listed fee | Channel | Status | In force since | Details |
|---|---|---|---|---|---|
 India | No fee | Online | Estimate | View |
It depends on the product and the market. RuPay, headline rate 0.60% in 3 markets; UPI, headline rate 0% in 1 market. The headline rate is the percentage part only; fixed fees, minimums and caps are listed per market.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
Its products here are payment methods businesses accept at checkout.
Its products are priced in 3 markets here. A market missing from the list has not been recorded yet, which does not mean NPCI is absent there.
Each rate shows the date it took effect and whether it is published by NPCI, reported or estimated. The newest change shown took effect on 6 Jul 2025. Check with NPCI before relying on a figure.
Bhutan
Nepal