{"id":3688,"date":"2024-10-23T15:04:40","date_gmt":"2024-10-23T09:34:40","guid":{"rendered":"https:\/\/in.nttdatapay.com\/blog\/?p=3688"},"modified":"2025-07-10T12:28:41","modified_gmt":"2025-07-10T06:58:41","slug":"how-is-e-rupi-different-from-upi","status":"publish","type":"post","link":"https:\/\/in.nttdatapay.com\/blog\/how-is-e-rupi-different-from-upi\/","title":{"rendered":"How is e-RUPI Different from UPI?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">UPI has become immensely popular for its seamless person-to-person money transfers without users needing to remember multiple bank details.\u00a0 However, the government recognised the need for a more targeted mechanism to ensure optimised delivery of welfare services.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">This led to the launch of e-RUPI, a prepaid digital voucher-based system focused on specific socially important use cases. The key technical difference of how is e-RUPI different from UPI lies in their underlying architecture.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">This blog explores the key distinctions of how e-RUPI is different from UPI, along with their features &amp; technology architecture.\u00a0<\/span><\/p>\r\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&lt;p class=&quot;wpcf7-contact-form-not-found&quot;&gt;&lt;strong&gt;Error:&lt;\/strong&gt; Contact form not found.&lt;\/p&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:6659,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:2236962},&quot;15&quot;:&quot;Arial, Helvetica, sans-serif&quot;}\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2460-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"2460\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3688#wpcf7-f2460-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2460\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2460-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"cus-form\">\n\t<p style=\"font-size: 24px;font-weight: 600;text-align: center;\">Enquire Now\n\t<\/p>\n\t<p><label>Products Required:<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"products\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" name=\"products\"><option value=\"Payment Gateway\">Payment Gateway<\/option><option value=\"POS Machine\">POS Machine<\/option><option value=\"Reseller\">Reseller<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"uname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"uname\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"10\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea form-control\" aria-invalid=\"false\" placeholder=\"Message\" name=\"message\"><\/textarea><\/span><br \/>\n\t\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm\" value=\"\" type=\"hidden\" name=\"utm\" \/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t<\/p>\n<\/div>\n<style>\n.cus-form .form-control{width: 100%!important;margin: 7px 0px;padding: 8px;border-radius: 3px;height: auto;line-height: 20px;}\n.cus-form{display: block;margin: 0 auto;max-width: 400px;width: 100%;padding: 20px;box-shadow: 0px 0px 4px 0px #0000002b;border-radius: 6px;margin-bottom: 25px;padding-bottom: 0px;}\n.cus-form .wpcf7-submit{margin: 0 auto;display: block;}\n.cus-form h3{background: #ff6644;text-align: center;margin: -21px;margin-bottom: 20px;padding: 6px;}\n<\/style>\n<p><script>\ndocument.getElementById(\"utm\").value = window.location.href;\n\ndocument.addEventListener( 'wpcf7mailsent', function( event ) {\n location = 'https:\/\/in.nttdatapay.com\/blog\/thankyou\/';\n}, false );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">The Rise of Digital Payments in India: Exploring the Technical Differences Between UPI and e-RUPI<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">India has seen one of the most rapid digital transformations globally in the fintech space over the past decade. According to a Bain &amp; Company report, digital payments in the country have grown over five times in the last five years alone. This massive scale-up has been propelled by innovative platforms that have simplified financial access for millions.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Two of the most impactful systems born out of India&#8217;s digital revolution are UPI and e-RUPI. Since its launch in 2016 by NPCI, UPI has revolutionised P2P transfers, clocking over 22.7 billion transactions worth $768 billion in FY23.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">The government recognised the opportunity and launched e-RUPI back in 2021. It has facilitated cashless transactions worth Rs. 350 crores across schemes in just over a year. While both UPI and e-RUPI have transformed India&#8217;s digital payments landscape at scale, their underlying technical differences are often misunderstood.<\/span><\/p>\r\n\t\t<div class=\"web-stories-list alignnone has-archive-link is-view-type-circles is-style-default is-carousel\" data-id=\"1\">\n\t\t\t<div\n\t\t\tclass=\"web-stories-list__inner-wrapper carousel-1\"\n\t\t\tstyle=\"--ws-circle-size:150px\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"web-stories-list__carousel circles\"\n\t\t\t\t\tdata-id=\"carousel-1\"\n\t\t\t\t\tdata-prev=\"Previous\"\n\t\t\t\t\tdata-next=\"Next\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/zero-balance-current-account-a-quick-explainer\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Zero Balance Current Account: A Quick Explainer\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/07\/zero-balance-current-account-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/working-process-of-cvv-less-payment-for-tokenised-cards\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Working Process of CVV-less Payment For Tokenised Cards\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/10\/working-process-of-cvv-less-payment-for-tokenised-Cards-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/working-and-benefits-of-private-banking-demystified\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Working and Benefits of Private Banking Demystified\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/01\/working-and-benefits-of-private-banking-demystified-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-an-overview\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Why Digital B2B Payments Will Become Conventional in the Near Future: An Overview\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/11\/why-digital-b2b-payments-will-become-conventional-in-the-near-future-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/nttdataswipemachine\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-640x853.webp\"\n\t\t\t\t\t\talt=\"Why Choose NTT DATA POS Machine\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card.webp 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-105x140.webp 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-311x414.webp 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-149x199.webp 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-60x80.webp 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2023\/01\/cropped-person-paying-with-its-credit-card-150x200.webp 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Previous\" class=\"glider-prev\"><\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Next\" class=\"glider-next\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\r\n<h2><span style=\"font-weight: 400;\">What is e-RUPI?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">e-RUPI is a digital voucher-based system introduced by the National Payments Corporation of India (NPCI). It functions as a prepaid voucher that allows for specific and secure payments without direct bank account linkage. Each transaction involves a unique voucher code, ensuring efficient and controlled disbursement for purposes like healthcare and government assistance programs.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">What is UPI?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">UPI stands for Unified Payments Interface, which facilitates transactions between bank accounts. It provides a simple and easy-to-use system for instant funds transfer using just a virtual payment address, as customers do not need to enter complete bank details to make payments.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Difference between UPI &amp; e-RUPI<\/span><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><b>Aspect<\/b><\/td>\r\n<td>\r\n<p style=\"text-align: center;\"><b>UPI<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p style=\"text-align: center;\"><b>e-RUPI<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Purpose<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Facilitates P2P &amp; P2M payments for regular digital transactions.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Enables cashless transactions for specific welfare services\/goods through vouchers.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Target Audience<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">General public for all kinds of payments.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Beneficiaries of government schemes for targeted delivery of benefits.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Payment Mode<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Uses virtual payment addresses\/bank accounts linked to UPI ID.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Operates on QR code\/SMS push single-use prepaid voucher system.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Transaction Nature<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Open-ended payments between parties.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Time-bound digital vouchers with set validity and single use.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Redemption Process<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Scanning QR codes or entering virtual addresses\/accounts.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Redeeming QR codes or voucher details at service delivery points.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Technology Platform<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Built on IMPS infrastructure for fund transfer.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Leverages UPI and IMPS behind the scenes for cashless transactions.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Examples<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\"><a href=\"https:\/\/in.nttdatapay.com\/blog\/how-to-improve-your-credit-score-fast\/\">Paying utility bills<\/a>, money transfers, and merchant payments.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Healthcare benefits, education aid, and wages under welfare schemes.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Role of Banks<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Facilitates bank account linking and fund settlement.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Not required as vouchers can be redeemed without an account.<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Prevents<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">N\/A<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Leakage of funds by ensuring targeted, cashless delivery of benefits.<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><span style=\"font-weight: 400;\">Key Features of UPI\u00a0<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The following are the key features of UPI:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Works on mobile numbers, Aadhaar numbers or virtual payment address (VPA)<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supports both person-to-person and person-to-merchant payments<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offers options like recurring payments, cashback, bill payments, etc.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrated with bank accounts for instant fund settlement<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transactions can be tracked, canceled, or refunded within 30 minutes<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">UPI streamlined P2P transfers and <a href=\"https:\/\/in.nttdatapay.com\/blog\/digital-payments-in-india\/\">digital payments in India<\/a> by eliminating the need for multiple bank apps. It has become the preferred mode of payment for millions of users.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Key Features of e-RUPI<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">So, how is e-RUPI different from UPI? The key features of e-RUPI are as follows:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">e-RUPI is a prepaid digital voucher or cashless voucher, while UPI facilitates <a href=\"https:\/\/in.nttdatapay.com\/blog\/cashless-payments-in-the-gaming-industry\/\">cashless payments<\/a>.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is a person-to-purpose payment system meant for specific services\/goods rather than generic P2P transfers like UPI.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">e-RUPI vouchers are created and distributed by the government or corporations to facilitate cashless transactions for welfare schemes, vaccination packages, etc.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are single-use and have a set expiry period, unlike the open-ended nature of UPI payments.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">e-RUPI works on a QR code\/SMS push mechanism for redemption instead of bank accounts linked to UPI.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It does not require users to have a UPI pin, internet, or bank account &#8211; only a feature phone is sufficient to redeem the voucher.<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">While UPI is a versatile payments rail, e-RUPI is a more targeted voucher-based system focused on last-mile delivery of social welfare schemes and services.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Technology Behind e-RUPI<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">While UPI is built on Immediate Payment Service (IMPS) infrastructure, e-RUPI leverages the Unified Payments Interface (UPI) and Immediate Payment Service (IMPS) rails for fund transfer behind the scenes.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">When an e-RUPI voucher is generated by the sponsoring entity, it is associated with a unique PAN\/Aadhaar number and single-use redemption details. This e-voucher is received via SMS\/QR code on the beneficiary&#8217;s mobile phone.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">At the time of redemption, the details are submitted to the associated bank through a merchant app, and funds are electronically transferred from the sponsor&#8217;s account to the merchant account in real time via <\/span><span style=\"font-weight: 400;\">IMPS<\/span><span style=\"font-weight: 400;\">. The transaction details are stored for audit purposes.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">This process ensures targeted, timely, and transparent delivery of social security benefits to citizens without a bank account. The prepaid nature also prevents misuse or resale of e-RUPI vouchers.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Secure Online Payment With NTT DATA Payment Services<\/span><\/h2>\r\n<p><a href=\"https:\/\/www.nttdatapay.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NTT DATA Payment Services<\/span><\/a><span style=\"font-weight: 400;\"> enables digital payment innovations through platforms like UPI. As one of India&#8217;s largest digital payment processors, we provide the core transaction infrastructure and merchant solutions to securely process billions of UPI transactions annually. Our efforts have significantly contributed to UPI&#8217;s widespread adoption across India.<\/span><\/p>\r\n<p><strong>NTT DATA Payment Services<\/strong> offers a complete payment solution to advance your offline and online businesses from,<\/p>\r\n<p><!-- \/wp:post-content -->\r\n\r\n<!-- wp:list --><\/p>\r\n<ul><!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/online-payment-gateway-india\" target=\"_blank\" rel=\"noopener\">Payment Gateway in India<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/swipecard-pos-machine\" target=\"_blank\" rel=\"noopener\">POS machines<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/ivr-payment-system\" target=\"_blank\" rel=\"noopener\">IVR payments<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li>Mobile applications, and<\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/in.nttdatapay.com\/blog\/bharat-qr-code-how-it-works-and-benefits\/\">Bharat QR Scan and Pay<\/a><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/p>\r\n<p>We ensure maximum comfort, convenience, and safety for all your payments.<\/p>\r\n<h2><span style=\"font-weight: 400;\">Use Cases of e-RUPI<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">Some key sectors where e-RUPI has been deployed to drive financial inclusion include:<\/span><\/p>\r\n<ol>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Healthcare:<\/b><span style=\"font-weight: 400;\"> Vaccination packages, medical insurance reimbursements, hospital bills, etc.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Agriculture:<\/b><span style=\"font-weight: 400;\"> Subsidies for seeds and fertilisers directly to farmers.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Education:<\/b><span style=\"font-weight: 400;\"> Scholarships, tuition fees, and exam fees for students from underprivileged sections.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nutrition:<\/b><span style=\"font-weight: 400;\"> Maternity benefits and supplementary nutrition for children directly to beneficiaries.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consumer goods:<\/b><span style=\"font-weight: 400;\"> Food security for migrant workers, ration for below-poverty-line families.<\/span><\/li>\r\n<\/ol>\r\n<p><span style=\"font-weight: 400;\">By ensuring cashless and leak-proof delivery, e-RUPI minimises intermediaries and prevents the diversion\/misuse of funds meant for welfare schemes. It has helped the government optimise social spending impact.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Beyond Disruption, Delivering Inclusion: The Co-Evolution of UPI and e-RUPI\u00a0<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">While UPI and e-RUPI are both digital payment platforms, the question &#8220;How is e-RUPI different from UPI?&#8221; refers to their distinct use cases, features, and underlying technologies.\u00a0<\/span> <span style=\"font-weight: 400;\">India aims to become a fully digitally empowered society with the help of platforms like UPI and e-RUPI. Going forward, such targeted financial inclusion initiatives will become even more important.<\/span><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:table -->\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><em>Also, you can get frequent updates on <a href=\"https:\/\/www.instagram.com\/nttdatapayments\/\" target=\"_blank\" rel=\"noopener\">nttdatapayments<\/a> Instagram page.<\/em><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<h2 style=\"text-align: center;\"><span style=\"font-weight: 400;\">Frequently Asked Questions (FAQs)<\/span><\/h2>\r\n<h4><strong>1. How is UPI different from other payment methods?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">UPI is different from other payment methods like credit cards, net banking, etc., as it allows instant fund transfer between bank accounts just by using a virtual payment address without sharing bank account details. It also supports peer-to-peer and merchant transactions.<\/span><\/p>\r\n<h4><strong>2. What is the difference between UPI and e-wallet?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">The key difference is that UPI is linked to bank accounts, while e-wallets store money in a prepaid account managed by a private company. <a href=\"https:\/\/in.nttdatapay.com\/blog\/upi-transaction-mistake\/\">UPI transactions<\/a> happen in real-time from linked bank accounts, whereas e-wallets require the preloading of transaction funds.\u00a0<\/span><\/p>\r\n<h4><strong>3. How does e-RUPI work?\u00a0<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">e-RUPI involves the generation of a prepaid digital voucher or QR code by the government or organisations for specific beneficiaries. When received on the mobile, this voucher can be redeemed only for the designated purpose or service without needing a bank account.<\/span><\/p>\r\n<h4><strong>4. Can UPI and e-RUPI be used interchangeably?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">No, UPI and e-RUPI have different objectives. UPI facilitates versatile P2P and merchant payments, while e-RUPI is focused on targeted delivery of welfare benefits or services through single-use prepaid vouchers.\u00a0<\/span><\/p>\r\n<h4><strong>5. What are the key benefits of e-RUPI over other digital payment methods?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">Key benefits of e-RUPI include ensuring complete transparency in the use of funds, preventing diversion or misuse of benefits, and enabling last-mile delivery of services, even for those without bank accounts, through feature phones.<\/span><\/p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>UPI has become immensely popular for its seamless person-to-person money transfers without users needing to remember multiple bank details.\u00a0 However, the government recognised the need for a more targeted mechanism&#8230; <!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":4746,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,41],"tags":[69],"class_list":["post-3688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payment","category-upi","tag-e-rupi-vs-upi"],"_links":{"self":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/comments?post=3688"}],"version-history":[{"count":7,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3688\/revisions"}],"predecessor-version":[{"id":4345,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3688\/revisions\/4345"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media\/4746"}],"wp:attachment":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media?parent=3688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/categories?post=3688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/tags?post=3688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}