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.
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”).
Maximum limit of each e-RUPI shall not exceed INR 10,000 or as defined by regulator
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.
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
Banks authorized by RBI to issue PPI and participating as PSP on UPI can issue e-RUPI.
Banks are required to certify with NPCI for issuance of e-RUPI.
Bank can reach out to respective Relationship Manager at NPCI for all such requirements.
Banks are requested to refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.
e-RUPI can be issued for INR 10,000 per voucher.
e-RUPI can be issued in the form of QR or SMS string to the e-RUPI Beneficiary
Issuer bank can distribute voucher to such e-RUPI beneficiaries in the form of SMS string.
e-RUPIs are non-reloadable and can be used one time only.
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.
e-RUPI is permitted to be distributed in digital form only.
Yes, there is standard branding guidelines defined by NPCI to be followed for issuance of e-RUPIs
Yes, there is standard format defined by NPCI for SMS form of e-RUPI.
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.
Banks are required to certify with NPCI for participation as acquiring bank for acceptance e-RUPI.
Bank can reach out to respective Relationship Manager at NPCI for all such requirements.
Banks are requested to refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.
Yes, NPCI has defined standard branding guideline to be followed at acceptance location for redemption of e-RUPI.
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.
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.
Sponsor may refer e-RUPI OC 01 dated 27th September, 2021 for broad level roles and responsibilities applicable on banks.
Sponsor can get detailed process of e-RUPI issuance from the Issuer Bank identified for issuance.
e-RUPI can be issued for INR 10,000 per voucher.
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.
Merchant can reach out to banks certified for acquiring of merchants on e-RUPI and get enabled for acceptance of e-RUPI.
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
Merchant will receive fund as per the arrangement with their acquiring bank.
Yes, NPCI has defined standard branding guideline to be followed at merchant acceptance locations.
No, redemption of e-RUPI are permitted only in digital form.
A e-RUPI Beneficiary can receive e-RUPI in the form of QR or SMS string.
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.
e-RUPI Beneficiary should contact on the detail mentioned on e-RUPI for raising dispute on payments done using 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.
No, there is no charge applicable on e-RUPI Beneficiary for using e –RUPI.