{"id":7492,"date":"2018-07-03T20:37:45","date_gmt":"2018-07-03T15:07:45","guid":{"rendered":"https:\/\/www.instamojo.com\/blog\/?p=7492"},"modified":"2021-06-06T13:10:48","modified_gmt":"2021-06-06T07:40:48","slug":"neft-rtgs-or-upi-what-should-your-business-use","status":"publish","type":"post","link":"https:\/\/www.instamojo.com\/blog\/neft-rtgs-or-upi-what-should-your-business-use\/","title":{"rendered":"NEFT, RTGS or UPI &#8211; What Should Your Business Use"},"content":{"rendered":"<p>With so many payment options available today, which one should you be using for your\u00a0business? Let&#8217;s take a look at the three most popular methods Indian businesses use to collect payments to help you decide what you should choose &#8211; NEFT, RTGS or UPI.<\/p>\n<h2>What matters to your business<\/h2>\n<p>Before we get to evaluating the best payment mode for your business, let&#8217;s get some things straight.<\/p>\n<p><strong>When it comes to payments, there are some priorities we would all like to maintain:<\/strong><\/p>\n<ul>\n<li><strong>Timely payments:<\/strong> We want money to reach our bank account at regular, uninterrupted intervals.<\/li>\n<li><strong>Faster payments:<\/strong> The faster it reaches our bank account, the better!<\/li>\n<li><strong>Pricing:<\/strong> we want a payment partner that doesn&#8217;t burn a hole in our pockets.<\/li>\n<li><strong>High success rates:<\/strong>\u00a0We want a reliable payment mode and don&#8217;t want payments failing every now and then!<\/li>\n<li><strong>More choices for your customers:<\/strong> We want to be able to give our customers the freedom to choose the mode they want to pay us with.<\/li>\n<\/ul>\n<h2>Understanding NEFT, RTGS, UPI<\/h2>\n<p>NEFT, RTGS,\u00a0and UPI are all payment modes offered by banking partners and <a href=\"https:\/\/www.instamojo.com\/payment-gateway?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=payment_gateway\" target=\"_blank\" rel=\"noopener\">payment gateways<\/a> that you can use to collect payments from your customers online. Here&#8217;s a short introduction to each of the modes.<\/p>\n<h3><strong>NEFT (National Electronic Funds Transfer):<\/strong><\/h3>\n<p><a href=\"https:\/\/www.instamojo.com\/blog\/launching-instamojo-neft-direct-bank-transfer\/?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=neft_payment\" target=\"_blank\" rel=\"noopener\"><strong><span style=\"color: #3366ff;\">NEFT is an online money transfer service<\/span><\/strong><\/a> where any person can send\/receive money given both parties have an account number and the bank is enrolled in the NEFT program.<\/p>\n<h3>RTGS (Real Time Gross Settlement):<\/h3>\n<p>RTGS is also an online money transfer service that allows you to transfer funds on a real-time (immediate) basis. The only difference between NEFT and RTGS is, the money is settled in batches for NEFT making it slower.<\/p>\n<h3>UPI (Unified Payments Interface):<\/h3>\n<p>UPI is a quick payment mode built on the Immediate Payments Service (IMPS). Made by the National Payments Corporation of India (NPCI), UPI is the newest and fast-growing payment mode. <a href=\"https:\/\/economictimes.indiatimes.com\/small-biz\/startups\/newsbuzz\/upi-shows-consistent-growth-in-june\/articleshow\/64836684.cms\" target=\"_blank\" rel=\"noopener nofollow\"><strong><span style=\"color: #3366ff;\">In June 2018, the NPCI clocked over 240 million transactions<\/span><\/strong><\/a> accounting for 30% growth month-over-month.<\/p>\n<h2>Choosing the right mode of online payment<\/h2>\n<p>Here&#8217;s a comparison chart for the three modes of payment.<\/p>\n<table style=\"height: 1037px;\" width=\"681\">\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>Feature<\/b><\/p>\n<\/td>\n<td style=\"text-align: center;\"><b>NEFT<\/b><\/td>\n<td style=\"text-align: center;\"><b>RTGS<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><b>UPI<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Device of use<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Phone and website<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Phone and website<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Phone and website<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Payout speed<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">1-2 hours<\/span><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">About 30 minutes<\/span><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Instant transfer<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Timings<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">24*7 operational\u00a0<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">24*7 operational\u00a0<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">24*7 operational.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Complexity<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Requires IFSC, A\/C no, and adding beneficiary.<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Requires IFSC, A\/C no, and adding beneficiary.<\/span><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Just requires a Virtual Payment Address (VPA).<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Bank a\/c details<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Absolute must<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Absolute must<\/span><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">No need<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Charges (for sender)<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\">Zero transaction charges<\/td>\n<td style=\"text-align: center;\">Zero transaction charges<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Anything between<\/span><span style=\"font-weight: 400;\">\u20b9 3 and\u00a0<\/span><span style=\"font-weight: 400;\">\u20b9 15 depending on the amount. Person2Person is Free<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Transfer limits<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No upper limit. Cash-based remittances limited to<\/span><\/span><span style=\"font-weight: 400;\">\u20b9 50,000<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">No upper limit<\/span><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">\u20b9\u00a01 Lakh per day<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>OTP requirement<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Yes (depends on device and bank)<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Yes (depends on device and bank)<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">No<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>With Instamojo, you can collect payments via NEFT and UPI, while also giving your customers the freedom to pay via Debit cards, Credit cards, Wallets, and even net banking!<\/p>\n<div class=\"cs-embed cs-embed-responsive\"><iframe loading=\"lazy\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/QvMx2fzTQ5c?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<p>Just share your <a href=\"https:\/\/www.instamojo.com\/payment-links?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=payment_links\" target=\"_blank\" rel=\"noopener\">payment link<\/a> anywhere, anytime and get paid in just two clicks for a small flat transaction fee!\u00a0You may even try the free version.<\/p>\n<hr \/>\n<p style=\"text-align: center;\"><a class=\"mb-button mb-style-flat mb-size-default mb-corners-default mb-text-style-default \" style=\"background-color: #2bc470;\" href=\"https:\/\/www.instamojo.com\/?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=home_page\">SIGN UP HERE<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"With so many payment options available today, which one should you be using for your\u00a0business? Let&#8217;s take a&hellip;\n","protected":false},"author":5,"featured_media":7500,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[398],"tags":[1592,2712,773,1596,774,2008,2115,1591,1595,1594,155,1597],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NEFT, RTGS, UPI - What Should Your Business Use - Instamojo Blog<\/title>\n<meta name=\"description\" content=\"With so many payment options available today, which one should you be using for your\u00a0business? 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