RuPay NCMC
How do I start my certification ?
If you are a TSP then you can get in touch with our NPCI Partners Program (NPP) team. NPP offers TSP to become a distinguished partner and gives an open ground to connect with partners in the ecosystem. Kindly send an email to ...
In Money Add how will the issuer know if it is a Money Add via Cash or Money Add Via Account ?
In DE-48 there is a tag 082. This tag specifies the source of funds. The following posibilities are possible. 01 – Using Debit to account linked to the Card. 02 – User payment by cash. 03- Balance Update at Card.
If my PIN is blocked, can I use RuPay Contactless cards for contactless payments?
Yes, all the contactless payments can be done without entering the PIN.
Can I transfer funds from card Wallet to my primary account?
No, you will not be allowed to transfer back the fund from card wallet to the main account. This transfer can be done at the time of card closure only.
What should I do if Pass writing fails and I have paid using cash?
In case the Pass writing (monthly passes etc.) fails and you have paid via cash then you have to present the slip, given at the time of Pass writing to merchant/operator. Merchant will validate the existing Pass on the card. Basis this, he may decide ...
How can I close my card?
Please visit the nearest Bank branch and surrender your card. If the card balance enquiry is possible, you will instantly get the refund. In case if the balance enquiry is not feasible, card balance amount may be refunded to your primary account ...
What is the validity period of my card?
The Card is valid up to expiry date as mentioned on the card.
What if I wave the card more than twice at the terminal? Will I be charged repeatedly?
No. Once a payment is successful (one tap or two tap, depending upon transactions), a new payment transaction has to be initiated from the reader by entering the amount. Multiple taps will not result in deducting the amount more than once.
How will I know if the transaction is successful?
If the transaction is successful, terminal/ device will display the message. Also, you may receive charge slip after doing the transaction.
Is my Rupay Contactless card protected from the threat of frauds?
Yes, your RuPay contactless card is as secure as any other RuPay card. It contains a highly secure EMV chip, hence it cannot be cloned easily. Also, you need not have to handover the card to anybody, just have to tap the card for completing the ...
Will I be charged additionally for making contactless payments?
No. There are no additional charges levied to make a contactless payment.
Would I unknowingly make a purchase if I come across the contactless card reader?
No, the operator must enter the payment amount for initiating the transaction. Also, the card or device has to be held within 4 inches of the card reader to make any payment.
Can I use my RuPay Contactless card outside India?
Yes, this card can be used outside India. The processing is as per regular transaction i.e. by dipping/swiping and entering the PIN.
Do I need to enter the PIN while using RuPay Contactless Card?
• For all contactless transactions up to ₹ 5000 PIN is not required. • For all the transactions above ₹ 5000, you may choose to dip/tap the card followed by mandatory PIN entry.
Can I use my RuPay Contactless card to make a purchase of more than ₹ 5000/-?
Yes, you can use your RuPay Contactless card irrespective of the value of transaction. For Transactions above ₹ 5000, both contact and contactless payments can be made, but with PIN
Can all Banks issue Rupay Contactless cards?
Banks which are certified by NPCI can issue RuPay Contactless cards. To know about the certifications involved, interested banks can connect to NPCI team or write to rupay@npci.org.in.
What are the channels across which RuPay Contactless card can be used?
RuPay Contactless cards can be used across ATM, POS, transit and Ecommerce websites to make payments.
Can RuPay Contactless Cards be issued in Debit/Credit/Prepaid variants?
Yes, RuPay Contactless card is available on all the three variants Debit, Prepaid and Credit cards.
When I dip/swipe my RuPay Contactless card for payment, will it reduce my card balance?
• When you dip/swipe your card, it will use your primary account balance; not your card balance. Card balance is used for offline payments only. Primary account balance (i.e. current/ saving account) is debited for all online transactions e.g. ...
Where can I use my RuPay Contactless cards?
• Transit fare payment system including metros, buses etc. • Toll payments • Parking area payments • Restaurants and other retail outlets
How many maximum Passes can be associated with my RuPay Contactless cards?
Maximum of 20 passes including seasonal tickets can be written on the card.
How can I create a Pass?
You have to reach out to respective merchant/operator for creating a pass like transit passes/ seasonal tickets on your card. The Pass writing has to be done by the respective merchant/operator.
What is the maximum top up limit of card balance?
You are allowed to top up the card wallet to a maximum value of ₹ 2000. At any given point of time, wallet balance should not exceed ₹ 2000.
How do I reload card balance?
• Card balance can be topped up via “Money Add” channels, which can be done in following ways: • Money Add Cash- You may approach a merchant or kiosk authorized to top up the card balance (money load transaction). You have to pay the amount to be ...
Can I reload the card balance?
Yes, you can top up/ reload the card balance before it exhausts, so as to make seamless contactless payments.
What are offline contactless payments?
The key feature of Contactless Card is offline payments which reduces the dependency on network connectivity. Offline payments do not require an online connectivity with the card issuing bank, hence you don’t need to enter 4 digit pin. Card balance ...
What are the key features of RuPay Contactless?
• Key Functions • Dual Interface • Card Balance • Pass writing • RuPay Contactless Proposition Supports both offline(Contactless) & online(Contact & Contactless) transactions • There is a provision of storing money on the card which can be used to ...
Will all Point of Sale terminal accept my RuPay Contactless card?
NPCI requires all contactless/dual interface RuPay payment devices to carry RuPay Contactless Indicator for supporting contactless payments. If the indicator is present, you can make “Contactless” payments, whereas if the indicator is absent, you ...
How do I know if my RuPay Card is a contactless card?
RuPay Contactless is a Dual Interface card which supports both contact and contactless transactions, whereas a regular RuPay (EMV/Chip card) can only support Contact transactions.
What is the difference between a regular RuPay Card and a RuPay Contactless card?
RuPay Contactless is a Dual Interface card which supports both contact and contactless transactions, whereas a regular RuPay (EMV/Chip card) can only support Contact transactions.
What is RuPay Contactless card?
RuPay Contactless is a card which allows you to make payments in fraction of a second, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ ...
What is NCMC
NCMC stands for National Common Mobility Card. All RuPay Contactless cards can be treated as NCMC provided the issuer is certified as NCMC issuer. List of banks is mentioned in the following link : https://www.npci.org.in/live-members-2