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India's real-time account-to-account network, run by NPCI. Customers approve the payment in any UPI app, such as PhonePe, Google Pay, Paytm or their bank's app.

Best for: Everyday consumer checkout, subscriptions and small to mid tickets.

Immediate interbank transfers that run around the clock, including holidays. A strong rail for mid-size payments and the default for instant payouts to bank accounts.

Best for: Instant payouts, refunds to bank accounts and mid-ticket collections.

RBI's national bank transfer system, settled in half-hourly batches throughout the day, every day. Well suited to invoices and larger amounts where a short wait is fine.

Best for: B2B invoices, larger orders and scheduled payouts.

Real-time gross settlement for high-value transfers, starting at ₹2 lakh. Each payment settles individually, which suits large B2B amounts.

Best for: High-value B2B payments of ₹2 lakh and above.

Customers log in to their own bank and authorise the payment. Useful for older customers and for amounts above their UPI limit.

Best for: Customers who prefer their bank's website, and higher amounts.

RuPay, Visa and Mastercard debit and credit cards, processed by our licensed acquiring partner with 3-D Secure.

Best for: Customers who pay by card, and international cards on domestic products.