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e-RUPI FAQ's

General FAQs
What is e-RUPI?

e-RUPI is a one-time use digital solution to facilitate cashless payment which is person & purpose specific solutions for various services like COVID Vaccine, donations, corporate gift vouchers, etc.

Who can issue e-RUPI?

e-RUPI can be issued only by banks authorized by RBI to issue Prepaid Payment Instruments (PPI) and who are participating as Payment Service Providers (PSP) in the UPI ecosystem (referred hereunder as the “Issuer”).

What is the maximum amount for voucher creation?

Maximum limit of each e-RUPI shall not exceed INR 10,000 or as defined by regulator

Can e-RUPI be redeemed for cash / cash back?

e-RUPI shall be permitted to be redeemed only for the purchase of goods and services from designated merchant bearing valid Merchant Category Code (MCC), as may be defined by the Issuer at the time of issuance of e-RUPI. e-RUPI shall not be permitted for cash out or cash back on redemption.

How many vouchers can be issued for 1 user?

Upto 10 e-RUPI vouchers can be issued for one programme on single mobile number / per unique beneficiary; the requirement shall be configurable as per the Scheme requirements

Issuer Bank
Who can issue the e-RUPI?

Banks authorized by RBI to issue PPI and participating as PSP on UPI can issue e-RUPI.

How banks can participate in e-RUPI Issuance process?

Banks are required to certify with NPCI for issuance of e-RUPI.

How can banks get detail information such as technical specifications, certification process etc.?

Bank can reach out to respective Relationship Manager at NPCI for all such requirements.

What are guidelines applicable on banks for e-RUPI?

Banks are requested to refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.

What is maximum value for which e-RUPI can be issued?

e-RUPI can be issued for INR 10,000 per voucher.

What are form factors for issuance of e-RUPIs?

e-RUPI can be issued in the form of QR or SMS string to the e-RUPI Beneficiary

How is e-RUPI can be distributed to a e-RUPI beneficiary using feature phone?

Issuer bank can distribute voucher to such e-RUPI beneficiaries in the form of SMS string.

Can a e-RUPI be reloaded with money?

e-RUPIs are non-reloadable and can be used one time only.

Any standard process defined by NPCI for distribution of e-RUPIs?

There is no standard defined for distribution of e-RUPIs. Banks/Sponsors can use channels such as emails, SMS, WhatsApp etc. to beneficiary strictly in digital form.

Can e-RUPI can be distributed in print form?

e-RUPI is permitted to be distributed in digital form only.

Is there any specific format defined for e-RUPI?

Yes, there is standard branding guidelines defined by NPCI to be followed for issuance of e-RUPIs

Is there any specific format defined for SMS String based e-RUPI?

Yes, there is standard format defined by NPCI for SMS form of e-RUPI.

How cancellation/Surrender of e-RUPI can be handled?

Issuer shall ensure handling cancelation/surrender of e-RUPI between e-RUPI Customer and Sponsor. Sponsor shall inform Issuer about cancellation/surrender of e-RUPI to be updated in Issuer’s system. Issuer shall in turn ensure to decline redemption request on such e-RUPI.

Acquirer Bank
What is the process for banks to participate in e-RUPI Issuance process?

Banks are required to certify with NPCI for participation as acquiring bank for acceptance e-RUPI.

How can banks get detail information such as technical specifications, certification process etc.?

Bank can reach out to respective Relationship Manager at NPCI for all such requirements.

What are guidelines applicable on acquiring banks for e-RUPI?

Banks are requested to refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.

Is there any branding standard to be followed at merchant acceptance locations?

Yes, NPCI has defined standard branding guideline to be followed at acceptance location for redemption of e-RUPI.

Sponsor (Corporate / Government)
How can a sponsor participate in e-RUPI issuance process?

The Sponsor can reach out to their bank for process of issuance of e-RUPI and can get on boarded for issuance of e-RUPI.

Is there any prerequisite for Sponsor to issue e-RUPI ?

A KYC Sponsor can issue e-RUPI through the bank enabled for issuance of e RUPI. Issuer bank may have additional requirements as well to be followed by Sponsor.

What are the guidelines applicable on issuance of e-RUPI?

Sponsor may refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.

How a sponsor can share information to be used for issuance of e-RUPI with bank.

Sponsor can get detailed process of e-RUPI issuance from the Issuer Bank identified for issuance.

What is maximum value for which e-RUPI can be issued?

e-RUPI can be issued for INR 10,000 per voucher.

Is redemption for partial amount is allowed on e-RUPI?

Yes, redemption for partial redemption is permitted on e-RUPI. In case of partial redemption unused amount will be credited back in the original account by Issuer Bank.

Merchants
How a merchant can be enabled for acceptance of e-RUPI?

Merchant can reach out to banks certified for acquiring of merchants on e-RUPI and get enabled for acceptance of e-RUPI.

What are redemption steps for e-RUPI at acceptance?

Below are the steps for redemption process;
a) Scanning of e-RUPI displayed by e-RUPI Beneficiary for validation
b) Validation of e-RUPI Beneficiary
c) Redemption of e-RUPI
d) Delivery of Service

When will be merchant receive fund for the payments made using e-RUPI.

Merchant will receive fund as per the arrangement with their acquiring bank.

Is there any branding standards to be followed at merchant acceptance locations?

Yes, NPCI has defined standard branding guideline to be followed at merchant acceptance locations.

Can merchant redeem e-RUPI in physical form?

No, redemption of e-RUPI are permitted only in digital form.

E-RUPI Beneficiary
How a e-RUPI Beneficiary will receive e-RUPI?

A e-RUPI Beneficiary can receive e-RUPI in the form of QR or SMS string.

How a e-RUPI beneficiary will know information such as expiry of e-RUPI?

The e-RUPI received to e-RUPI Beneficiary will have all the basic information such as expiry date, purpose of the e-RUPI, contact details etc.

Where can a e-RUPI beneficiary raise dispute related to e-RUPI based payments?

e-RUPI Beneficiary should contact on the detail mentioned on e-RUPI for raising dispute on payments done using e-RUPI.

What are the steps to be followed by e-RUPI Beneficiary for redemption of e-RUPI?

Below are the steps to be followed by e-RUPI Beneficiary for redemption of a e RUPI.
a) Display e-RUPI (either in the form of QR or SMS) to the merchant for validation.
b) Once the e-RUPI is validated, e-RUPI beneficiary will receive verification code on his mobile number to be entered on merchant device for verification
c) Once e-RUPI Beneficiary is verified, e-RUPI will be redeemed.

Is there any charges applicable on e-RUPI Beneficiary for using e-RUPI for payment?

No, there is no charge applicable on e-RUPI Beneficiary for using e –RUPI.