RuPay FAQs

Faq

RuPay eComm

Do I have to separately register for RuPay E-commerce service?

No separate registration is required for RuPay e-commerce transactions, for all transactions the cardholder needs to enter card details and OTP (one time password).

What is CVD (Card Validation Data)?

It's a three digit number printed on the back of the card same as CVV as referred to by other international schemes.

What to do if my phone number is not registered with the bank?

Please get in touch with your bank for registering your mobile number. Do not forget to update the same every time you change your number.

How long is the OTP valid?

The validity of the OTP is decided by the card issuing bank and varies for different banks.

Will this OTP be valid while re-trying the transaction?

The validity of the OTP is decided by the card issuing bank and varies for different banks.

What to do if I am not receiving my OTP?

Request you to wait as delivery of OTP depends on signal strength of your telecom carrier in your current location. Alternatively, if you still do not receive OTP after considerable amount of time, please click on “Resend OTP” button. If you continue to face problems with the receipt of OTP (delayed/ non-receipt) please report the same to your bank immediately.

RuPay Point of Sales

How many Point of Sale (PoS) terminals are enabled for RuPay card acceptance across India?

As per recently published data from RBI for the month of April ‘2017, there are total 2,614,584 PoS terminals on which RuPay card acceptance is enabled. This constitutes to more than 97% PoS terminals installed in India.

How many banks are enabled for RuPay card acceptance in India?

39 PoS Acquiring Banks are enabled for RuPay Card acceptance.

How many acquiring banks are certified for Cash@PoS services as per RBI guidelines for withdrawal of up to INR 2000 through merchants using PoS terminals?

From certification point of view, all acquiring banks are certified for RuPay Cash@PoS services as per RBI guidelines. While many of the major public sector and private sector banks have implemented Cash@PoS services for their customers, some banks are still in process of seeking their nternal approvals for activating the service.

What is ON-US transaction?

An intra-bank (ON-US) transaction is where the cardholder is of the same Bank of which the merchant belongs. This way using same bank PoS transaction are initiated and later the same Bank authorizes the transaction upon cardholder validations.

What is OFF-US transaction?

An inter-bank (OFF-US) transaction is where the cardholder is of different Banks than the merchant’s Bank. In this case, inter-bank funds settlement is done using NPCI’s clearing & settlement systems.

Who is an acquirer Bank?

The Bank which has acquired the transaction or the Bank whose Point of Sale (PoS) terminal has been used is the acquirer Bank.

Who is an issuer Bank?

Issuer is the Bank in which the cardholder has his/her account and holds RuPay card issued by the Bank.