E-Rupi Vs UPI payments என்ன வித்தியாசம் எப்படி செயல்படும் Difference in Erupi and UPI tamil
Topic covered in this video :-
Difference between India’s new payment system of unified payment system and E-RUPI. How to work upi payment and how to work erupi payment system.The major difference are compared in both the new payment system in this video. Erupi payment system launched by NPCI 2 august 2021 and the upi payment launched by the npci 11th April 2016. Both payment system are under closed supervision by reserve bank of india. Erupi payment are issued by the government or any other company. Upi payment are issued by any person whose are held on bank saving account.
Erupi payments are not required any type of internet connectivity , bank account, smartphone but the upi payment are required internet connectivity bank saving account and smartphone with upi application like google pay , phone pe, paytm.
Erupi money are digital electronic voucher money but the upi money is individual saving account money
Erupi voucher money cannot transfer to any other person, Once received erupi voucher from the government beneficiary utilised to redeem the voucher in erupi enable shop. But the upi amount are transferable. Once payment received from anyone and the same amount further re-transfer to anyother person through upi application.
Erupi payment support in 11 major bank only now, but the upi payment supported by 235 banks in india
Erupi money is a gifted balance but the upi money individual money
Erupi saving account not required but the upi transaction saving account must required
Erupi payment no any application required but the upi payment anyone upi application required
In erupi payment government or company one huge amount issued to bank for convert to erupi voucher against the concerned department, Now the bank generate the erupi voucher equal the amount after permission from national payment corporation of india under the RBI and the erupi voucher given to the concerned issue department. Further the government or company distribute the erupi voucher to the beneficiary. This is the workflow of Erupi. It’s a one way payment system
But the upi payment is two way payment system it’s a transferable amount
Erupi voucher is a unlimited amount voucher but the upi payment are limited
National Payments Corporation of India (NPCI) in association with Department of Financial Services (DFS), National Health Authority (NHA), Ministry of Health and Family Welfare (MoHFW), and partner banks, has launched an innovative digital solution – ‘e-RUPI’.
The users of this seamless one-time payment mechanism will be able to redeem the voucher without a card, digital payments app or internet banking access, at the merchants accepting e-RUPI. e-RUPI would be shared with the beneficiaries for a specific purpose or activity by organizations or Government via SMS or QR code.
This contactless e-RUPI is easy, safe and secure as it keeps the details of the beneficiaries completely confidential. The entire transaction process through this voucher is relatively faster and at the same time reliable, as the required amount is already stored in the voucher. Corporates can enable well-being of their employees End to end digital transaction and doesn’t require any physical issuance hence leading to cost reduction Voucher redemption can be tracked by the issuer Quick, safe & contactless voucher distribution No digital or bank presence required - Consumer redeeming the voucher need not have a digital payment app or a bank account Erupi working process tamil
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