{"id":5358,"date":"2025-12-10T14:28:40","date_gmt":"2025-12-10T08:58:40","guid":{"rendered":"https:\/\/in.nttdatapay.com\/blog\/?p=5358"},"modified":"2025-12-11T14:25:57","modified_gmt":"2025-12-11T08:55:57","slug":"main-difference-between-upi-e-rupi","status":"publish","type":"post","link":"https:\/\/in.nttdatapay.com\/blog\/main-difference-between-upi-e-rupi\/","title":{"rendered":"Main Difference Between UPI &#038; E-RUPI"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Understanding UPI, E-RUPI And Online Payments<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Digital and online payments have seen tremendous growth in India over the past few years. With the proliferation of smartphones and affordable data plans, more Indians are adopting contactless payment options for everyday transactions. The government and RBI have also pushed for financial inclusion by promoting UPI-based payments.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\">\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\/5358#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>\n<p data-start=\"109\" data-end=\"560\">Launched in 2016, UPI allows users to instantly transfer money between bank accounts without sharing sensitive bank details. More recently, the RBI introduced e-RUPI in 2021 as a prepaid digital payment instrument for specific purposes determined by the government. The <strong data-start=\"379\" data-end=\"414\">difference between UPI &amp; e-RUPI<\/strong> becomes clear when you compare their purpose\u2014both aim to encourage digital payments, but they differ significantly in their design and use cases.<\/p>\n<h2><span style=\"font-weight: 400;\">What Is UPI?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/in.nttdatapay.com\/blog\/everything-to-know-about-upi-lite\/\">Unified Payments Interface<\/a>, or UPI, is an instant real-time payment system that facilitates interbank transactions. It is regulated by the National Payments Corporation of India. UPI allows users to link their bank account to a virtual payment address, which can be in the form of a virtual payment address (VPA) like abc@upi or a mobile number.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Users can then make seamless peer-to-peer or person-to-merchant transactions by simply entering this UPI ID and validating the transaction using their UPI PIN authentication on their banking app.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is E-RUPI?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/in.nttdatapay.com\/blog\/use-digital-rupee-in-india\/\">E-RUP<\/a>I is a prepaid digital payment solution introduced by the RBI and NPCI in 2021. It is a person-specific and purpose-specific digital payment mechanism. e-RUPI solutions are issued via SMS or QR codes for a specific purpose and recipient.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The key features of e-RUPI are that it is person-specific (meant for a specific person), purpose-specific (can only be used for a designated purpose), digitally delivered (via SMS\/QR code), and cashless (prepaid amount for a designated purpose).\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key Differences Between UPI &amp; eRUPI<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are the key differences between UPI &amp; eRUPI<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>UPI<\/b><\/td>\n<td><b>e-RUPI<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI is a payment system that allows instant fund transfers between bank accounts using a Virtual Payment Address (VPA) like username@upi<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI is a cashless and contactless digital payment solution focused on person-to-merchant payments.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions can be initiated by both the payer and payee.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payer e-RUPI transactions can only be initiated by the payer.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI supports peer-to-peer and person-to-merchant transactions.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI currently only supports person-to-merchant transactions.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions are initiated using the payee&#8217;s VPA; account details are not shared.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI transactions are initiated by transferring the e-RUPI voucher to the recipient&#8217;s mobile number; no bank account details are required.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI supports fund transfers between any two bank accounts.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">An e-RUPI voucher can only be redeemed for a specific good or service by a particular merchant.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions are not linked to any specific purpose.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI transactions are meant for a specific purpose only, as defined in the voucher.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions allow payers to add remarks for payee reference.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI transactions do not allow any remarks to be added.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions are instant, 24\/7 and in near-real time.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI transactions may take some time for redemption validation.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI is regulated by NPCI.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI is administered by the Ministry of Electronics and IT (MeitY)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UPI transactions show details like date, time, and amount in bank statements.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">e-RUPI transactions do not show in bank statements as no bank accounts are involved.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Access Seamless Online With Ntt Data Payment Services India.<\/h3>\n<p><span style=\"font-weight: 400;\">NTT DATA Payment Services India provides a unified payments platform that allows merchants to accept UPI, e-RUPI and other digital payments in a seamless manner.\u00a0<\/span><\/p>\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;\"> India offers a complete payment solution to advance both \u2018e-commerce and in-store businesses.\u2019 From<\/span><a href=\"https:\/\/www.nttdatapay.com\/online-payment-gateway-india\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">online payment gateway<\/span><\/a><span style=\"font-weight: 400;\"> and POS machines to IVR payments and Bharat QR Scan and Pay, we ensure maximum convenience and safety for all your payments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While UPI and e-RUPI both promote digital payments in India, they have clear differences in their design and use cases. UPI has emerged as the most popular online P2P\/P2M payment method.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">e-RUPI, on the other hand, is targeted towards person-to-government digital transactions for specific pre-approved purposes. Understanding the difference between UPI &amp; e-RUPI is essential for users, merchants and organisations dealing with digital payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With robust and secure payment solutions, more businesses can offer UPI\/e-RUPI acceptance and leverage the growing digital payments opportunity in India.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>FAQ<\/strong><\/h2>\n<h4><strong>1. What is UPI?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">UPI is an instant, real-time payment system that facilitates interbank transactions. It allows users to link their bank account to a virtual payment address like abc@upi and make seamless peer-to-peer or person-to-merchant transactions.<\/span><\/p>\n<h4><strong>2. What is e-RUPI?\u00a0\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">e-RUPI is a prepaid digital payment solution introduced by the RBI. It is a person-specific and purpose-specific digital payment mechanism issued via SMS or QR codes for a specific recipient and purpose.<\/span><\/p>\n<h4><strong>3. Can e-RUPI be used for any purpose?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">No, e-RUPI can only be used for a specific purpose as defined in the voucher and can only be redeemed by a particular merchant.\u00a0<\/span><\/p>\n<h4><strong>4. Which payment system supports P2P and P2M transactions?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">UPI supports both peer-to-peer (P2P) and person-to-merchant (P2M) transactions, while e-RUPI currently only supports P2M transactions.<\/span><\/p>\n<h4><strong>5. How are e-RUPI transactions initiated?\u00a0\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">e-RUPI transactions are initiated by transferring the e-RUPI voucher to the recipient&#8217;s mobile number. No bank account details are required.<\/span><\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Over the past few years, digital payments have seen massive growth in India with the introduction of innovative platforms like Unified Payments Interface (UPI) and e-RUPI. This blog aims to highlight the key differences between the Unified Payments Interface (UPI) and e-RUPI, two important digital payment mediums in India.<!-- 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":5360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-5358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"_links":{"self":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/5358","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=5358"}],"version-history":[{"count":3,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/5358\/revisions"}],"predecessor-version":[{"id":5389,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/5358\/revisions\/5389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media\/5360"}],"wp:attachment":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media?parent=5358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/categories?post=5358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/tags?post=5358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}