The National Payments Corporation of India (NPCI) is taking steps to enhance the adoption of RuPay credit card payments on the Unified Payments Interface (UPI). The initiative aims to address issues related to transaction classification, particularly confusion among merchants. NPCI has introduced a mechanism that enables differentiation between RuPay credit card transactions on UPI and regular UPI transactions through QR codes. This step is expected to rectify discrepancies in merchant discount rates (MDR) and interchange fees. NPCI is also exploring a fee income-based incentive model to encourage higher adoption of RuPay on UPI and reduce reliance on foreign players.