Accept payments with RuPay cards, credit lines & wallets

Business owners who use Google Pay for Business can now accept payments from customers who have linked their RuPay credit cards, credit lines, and wallets in UPI apps.

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

• Be a verified Google Pay business owner. Learn more about the verification process.
• Register your PAN card information with Google Pay for Business.

Tip: Other conditions like business category can affect your eligibility.

Merchant Discount Rate (MDR)

When people pay you with RuPay credit cards, credit lines, and wallets on UPI, there is a small fee which is subject to Goods and Services Tax (GST). MDR is also known as Transaction processing fee. The GST tax is added to this fee. This MDR fee and the GST tax are taken out from the money you get from your customers.

Tip: In the UPI app transaction history, you can find MDR deductions.

Calculate MDR fee

• The MDR fee for payments made from RuPay credit cards, credit lines, and wallets on UPI depends on the type of your business category.
• If your business makes less than ₹20 lakh in a year:
  • You only pay MDR fee for payments over ₹2,000 made with RuPay credit cards, credit lines, and wallets on UPI. For payments of ₹2,000 or less, you don't pay MDR.
• If your business makes more than ₹20 lakh in a year:
  • You pay MDR fee for all payments made with RuPay credit cards, credit lines, and wallets on UPI.

Tip: There is no fee for UPI payments when customers pay directly from their bank accounts.

Find your applicable MDR fee

Important: If you haven’t set up your account, you can start the set up flow to help us find the MDR fees applicable to you.

After you complete your setup, in the UPI app, tap Settings  Payment methods.

Set up RuPay Payment Acceptance

Set up RuPay credit cards, credit lines & UPI wallets payment acceptance

1. On your mobile device, open the Google Pay for Business app.
2. Tap Settings Payment methods.
3. If you’re eligible, you will find an option to activate RuPay credit card, credit lines, and wallets payment acceptance.
4. At the bottom of the screen, tap Set up now.
5. Follow the on-screen instructions.
6. If you accept payments that have an MDR, you’ll get a prompt to create a payment profile.

Create a payment profile

1. Under “Account type,” from the drop down menu, select your account type.
2. Enter your Business name and Address.
3. Before you complete, confirm all the information.
4. Agree to the terms and conditions.
5. Tap Submit.