Accept RuPay credit card payments over UPI

Google Pay for Business merchants can now accept payments from customers who have linked their RuPay credit cards in UPI apps.

To be eligible to accept payments through RuPay credit cards, you need to:

• Be a verified Google Pay merchant. Learn more about the verification process.
• Have registered PAN information with Google Pay for Business.

Note: There may be other conditions (ex: business category) which affect your eligibility.

Transaction processing fee

Payments accepted through RuPay credit cards over UPI may attract a processing fee which includes applicable taxes. This processing fee will be deducted from the settlement amount.

How payment processing fees are calculated

• Business category and annual turnover determine the processing fees charged for payments accepted through RuPay credit card over UPI.
• You will be charged a processing fee for each payment above ₹2,000 received through RuPay credit card over UPI, if the business turnover is up to ₹20 lakh in the previous financial year. Processing fees will not be applied for transactions accepted up to ₹2,000.
• All payments received through RuPay credit card over UPI will attract a processing fee if the business turnover is above ₹20 lakh in the previous financial year.

Note: All BHIM UPI payments remain free. 

Find your processing fees

Once you have completed set up, to view the processing fees applicable to you, visit the Settings  Payment methods page in your app. If you have not yet done so, you can start the set up flow to help us determine the fees applicable to you.

Set up payment acceptance through RuPay credit cards on UPI

1. Open Google Pay for Business app on your mobile device.
2. Tap Settings  Payment methods.
3. If you are eligible, you will see the option to activate RuPay credit card payment acceptance. At the bottom of the page, tap Set up now and follow the steps prompted on the screen.
4. If you accept payments that attract a processing fee, you will be prompted to create a payment profile.

Create a payment profile

1. Select your account type from the drop-down menu under “Account type.”
2. Enter your business name and address.
3. Confirm all the details and agree to the terms and conditions before you tap Submit.