UPI now dominates Indian payments by volume. Should you still accept cards? The short answer: yes.
UPI now processes more transactions than every other digital payment method in India combined. But cards still account for a large share of value — especially for higher-ticket purchases and international customers.
Why UPI matters
UPI offers zero MDR for most merchants, near-instant settlement, and a consumer base of half a billion users. It should be the default option on any Indian checkout.
Why cards still matter
Cards remain the most familiar payment method for higher-value purchases and the only way to accept most international customers. EMI on cards also boosts average order values.
The Aquila Pay approach
We support UPI, cards, net banking, wallets, EMI, and international cards through a single integration — so you never have to choose between reach and price.
