RuPay Contactless


Objectives of RuPay Contactless

The contactless payments landscape is in its nascence in India. NPCI could sense a huge undercurrent of excitement for contactless solutions especially in areas such as low value payments, hence, took appropriate steps. The objective of RuPay Contactless specification is the first of its kind in the country on many counts.

  1. To provide a mechanism for including Low Value Payments (LVPs) within the gambit of electronic payments.
  2. To deliver a product that addresses the concerns of Indian customers taking into consideration the Indian Banks & Merchants.
  3. To motivate Indian customers to switch from cash to electronic payments.

RuPay Contactless Use Cases

RuPay Contactless offers the unique proposition of One Card for all Payments. This card can be used for transit payments (Bus, Metro, Cab etc.), toll, parking, small value offline retail payments as well as normal day to day retail payments.

Key features are as mentioned below:

Key Functionalities/Particulars

RuPay Contactless Proposition

Transaction Type

Supports online (contact & contactless) & off-line (contactless) transactions

Provision for multiple service areas

Multiple service areas (optional to use with mutual concurrence) to support acquirer/operator specific programs e.g. Passes/Season Tickets/Smart City Specific application/ Loyalty points etc.

Card usage

Same card to be used at ATMs, Merchant establishments & online (e-commerce) payments in addition to other areas of contactless payments viz., Toll, parking & other small value merchant payments.

Card issuance

  • Can be issued by any member authorized by RBI

  • On the platform of Debit/Prepaid/Credit Cards as per the option of issuing entity

Information storage

Requisite information required by acquirer/operators & Banks can be stored on the card or the back-end as per the preference and mutual concurrence of participating entities.

Multilevel Wallets

Provision of 2 types of wallets to store balance on card – Issuer controlled Global Wallet and operator/acquirer controlled local balance.

up the stored value

Provision of Topping up the stored value through any mode of payment viz., Online using card, Internet Banking, IVR, ATM, Cash at customer service point at the option of the issuing entity.

Offline Transaction Risk

Since the offline transaction is permitted against available balance, there is minimal risk of any loss either to the bank or the merchant.


Underlying technology i.e. EMV is best available globally and has been adopted to safeguard against frauds.

Cost of providing contactless card to the customer

RBI has mandated that effective Feb 01, 2016, all cards issued by banks in India would be EMV. Therefore, cost of providing contactless card to the customer will be only marginal as against steep increase in territories where mag-stripe ecosystem exists.

Synergy with existing technology

RuPay Contactless specifications can co-exist with the existing technology being used by acquirer/operator and migration to common standards may be achieved gradually to suit the convenience of PTO.

RuPay Contactless as NCMC specifications

NPCI is working with Ministry of Urban Development (MoUD), Government of India for implementation of National Common Mobility Card (NCMC) program across the country with the vision of ‘One Card for all Payments (Transit as well as Retail)’. This program envisages the development of a cashless fare payment mechanism, which will work across all the public transport systems in the country such as metros, buses, cabs etc.; leading to establishment of an Interoperable Fare Management System (IFMS).

This would provide seamless connectivity to passengers across all transit systems in the country bringing convenience and ease of payment for them. Moreover, this card can be used for day to day retail payments as well. This will also lead to huge economies of scale for the Acquirer/Operators due to removal of duplicity of efforts as well as standardization across issuance, acceptance, networking interfaces, clearing, settlement and dispute management systems.

RuPay Contactless specification creates the synergy with the vision of MoUD and offers the solution for NCMC program.