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UPI Is Reshaping the World's Fastest-Growing Payment Market
India has become one of the world's fastest-growing digital payment markets, powered by the Unified Payments Interface (UPI). Digital wallets account for around 68% of e-commerce payments, while UPI has become the country's leading real-time payment infrastructure.
Consumers increasingly prefer QR payments and instant bank transfers through apps such as PhonePe, Google Pay and Paytm, while cards continue to play an important role in online commerce.
Through one API, 8B enables businesses to accept UPI and India's leading local payment methods with global settlement capabilities.
Cross-Border Payment Infrastructure for Global Growth
Local Payment Infrastructure
Connect to local payment methods, bank transfers and digital wallets through a single API. Expand into new markets faster with regulated cross-border payment infrastructure.
Payments & Payouts
Accept customer payments, automate partner payouts and simplify global money movement through regulated fintech infrastructure.
Industries We Support
Supporting e-commerce, travel, gaming, marketplaces, financial institutions, PSPs and fintech companies expanding into new markets.
One API
Launch new markets faster without building separate local payment integrations. Reduce operational complexity while improving payment acceptance and customer experience.
Expand into new markets with regulated cross-border payment infrastructure. 8B connects businesses to local payment methods, national QR networks, bank transfers and digital wallets through a single API, helping businesses launch faster while reducing integration complexity.
Offer customers the payment methods they already know and trust.
Supported Payment Methods
Unified Payments Interface (UPI) is India’s real-time payment infrastructure developed by the National Payments Corporation of India (NPCI). It enables instant account-to-account payments between participating banks using mobile devices, QR codes and virtual payment addresses. In May 2026 alone, UPI processed more than 23.2 billion transactions through 720 live banks, confirming its position as the world’s largest real-time payment system by transaction volume.
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Reasons for Popularity
Immediate money transfer through mobile device round the clock 24*7 and 365 days
Single mobile application for accessing different bank accounts
Single Click 2 Factor Authentication
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RuPay is India’s domestic card payment network, operated by the National Payments Corporation of India (NPCI). It supports debit, credit, prepaid and contactless payments across online and physical channels. RuPay credit cards can also be linked to UPI apps, allowing customers to make card-funded payments through India’s extensive QR-code acceptance network.
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Reasons for Popularity
RuPay credit cards can be linked to UPI apps, allowing customers to pay by scanning familiar UPI QR codes. This gives RuPay access to more than 50 million merchant acceptance points across India, including many small businesses without traditional card terminals.
Created by the National Payments Corporation of India, RuPay is widely issued by Indian public- and private-sector banks. It supports debit, credit, prepaid and contactless products designed for the local payments ecosystem.
50M+ merchant acceptance points are accessible through the UPI ecosystem.
8% was RuPay’s corresponding share by transaction value, reflecting its strong use for everyday, lower-ticket payments.
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
