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Credit cards on UPI: Adoption, MDR are big question marks

Pratik Bhakta

September 23, 2022 | 5 Min Read

September 23, 2022 | 5 Min Read

The Crux newsletter this week. Consumers can now use credit cards to transact on UPI. While it’s a huge leap for mobile payments, there are serious teething troubles. Plus, what the departure of WhatsApp Payments’ head means

In a six-year span, Unified Payments Interface, or UPI, has become almost the de facto mode for debit transactions, with funds drawn directly from users’ bank accounts. And now, it is warming up to the credit side of the payments world.

Boost for ecosystem: RuPay credit cards went live on UPI this week. Consumers can create a virtual payment address linked to their RuPay account and transact through apps. (BHIM to begin with.)

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