{"id":2663,"date":"2025-05-14T14:31:12","date_gmt":"2025-05-14T06:31:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2663"},"modified":"2025-05-14T14:31:12","modified_gmt":"2025-05-14T06:31:12","slug":"upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/","title":{"rendered":"UPI vs IMPS vs NEFT: A Full Comparison of Indian Payment Systems"},"content":{"rendered":"

\"UPI<\/p>\n

UPI vs IMPS vs NEFT: A Full Comparison of Indian Payment Systems<\/h1>\n

introductory<\/h2>\n

With the rapid development of digital payments, India has a variety of electronic fund transfer systems, of which UPI, IMPS and NEFT are the three most popular. As an expert in payment platforms in India, I will provide you with a detailed analysis of the features, advantages and applicable scenarios of these three payment systems to help you choose the most suitable transfer method according to your needs.<\/p>\n

I. Analysis of basic concepts<\/h2>\n

1. UPI (Unified Payments Interface)<\/h3>\n

UPI is a real-time payment system developed by the National Payments Corporation of India (NPCI) that allows users to complete bank-to-bank transfers instantly via mobile devices. It uses a Virtual Payment Address (VPA) instead of traditional bank account details.<\/p>\n

2. IMPS (Immediate Payment Service)<\/h3>\n

IMPS is a 24\/7 instant money transfer service launched by National Payments Corporation of India that supports interbank and peer-to-peer transfers, regardless of bank opening hours.<\/p>\n

3. NEFT (National Electronic Funds Transfer)<\/h3>\n

NEFT is a batch electronic funds transfer system managed by the Reserve Bank of India that processes batches of transactions according to a fixed time frame.<\/p>\n

II. Comparison of technical architectures<\/h2>\n\n\n\n\n\n\n\n
characterisation<\/strong><\/th>\nUPI<\/strong><\/th>\nIMPS<\/strong><\/th>\nNEFT<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Operating organisations<\/strong><\/td>\nNPCI<\/td>\nNPCI<\/td>\nRBI<\/td>\n<\/tr>\n
underlying technology<\/strong><\/td>\nImmediate Payment Service (based on IMPS)<\/td>\nMMID (Mobile Money Identifier) technology<\/td>\nBatch processing system<\/td>\n<\/tr>\n
settlement mechanism<\/strong><\/td>\nReal Time Gross Settlement (RTGS)<\/td>\nreal time settlement<\/td>\nDeferred net settlement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Table 1: Differences in the technical architecture of the three systems<\/em><\/p>\n

III. Comparison of core functions<\/h2>\n

UPI's Unique Advantages<\/h3>\n
    \n
  • VPA address replaces traditional account details<\/li>\n
  • QR code scanning payment function<\/li>\n
  • APP-to-APP Direct Transfer<\/li>\n
  • Mandate feature supports recurring payments<\/li>\n<\/ul>\n

    Core features of IMPS<\/h3>\n
      \n
    • MMID (Mobile Money Identifier) Verification<\/li>\n
    • SMS\/IVR initiated transaction option<\/li>\n<\/ul>\n

      IV. Detailed Function Comparison<\/h2>\n

      1. Comparison of transaction limits<\/h3>\n\n\n\n\n\n\n\n
      payment method<\/strong><\/th>\nminimum amount<\/strong><\/th>\nMaximum (individual)<\/strong><\/th>\nEnterprise account limits<\/strong><\/th>\n<\/tr>\n<\/thead>\n
      UPI<\/td>\n\u20b91<\/td>\n\u20b9100,000\/day<\/td>\n\u20b9200,000\/day<\/td>\n<\/tr>\n
      IMPS<\/td>\n\u20b91<\/td>\n\u20b9500,000\/pen<\/td>\n\u20b92,00,000\/pencil<\/td>\n<\/tr>\n
      NEFT<\/td>\nno limit (on what one can do)<\/td>\nunlimited number<\/td>\nunlimited number<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      Table 2: Comparison of transaction limits of the three major payment systems<\/em><\/p>\n

      2. Processing time analysis<\/h3>\n
        \n
      • \n

        UPI<\/strong><\/p>\n

          \n
        • \u26a1\ufe0f real-time processing (typically completed in 5-15 seconds)<\/li>\n
        • \u2728 24\u00d77 availability<\/li>\n<\/ul>\n<\/li>\n
        • \n

          IMPS<\/strong><\/p>\n

            \n
          • \u23f1 Instant credit (up to 30 minutes)<\/li>\n
          • \ud83c\udf19 Includes holidays and nighttime availability<\/li>\n<\/ul>\n<\/li>\n
          • \n

            NEFT<\/strong><\/p>\n

              \n
            • \ud83d\udd52 Batch processing (one batch every half hour)<\/li>\n
            • \ud83c\udfe6Operates weekdays 8:00-18:30<\/li>\n
            • \u274cNo service on Sundays and statutory holidays<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

              V. Detailed cost structure<\/h2>\n

              UPI Cost Characteristics:<\/h3>\n

              \ud83d\udcb0 Totally free - NPCI is currently not charging any processing fees!
              \n\ud83d\udcb3Banks may charge 0.3%-0.65% for business accounts<\/p>\n

              IMPS charging model:<\/h3>\n

              \ud83c\udfe7 Sender bank charges: \u20b95 + GST (typically \u2264 \u20b925)
              \n\ud83d\udcf1Differences in rates across channels: online banking usually cheaper than mobile20%<\/p>\n

              NEFT Cost Components:<\/h3>\n

              \ud83d\udcb8 RBI Prescribed Charges (2023 latest):<\/p>\n

              - <Rs.10 lakhs: \u20b92.5+GST  
              \r\n- >Rs 10 lakh: \u20b925+GST  
              \r\n<\/code><\/pre>\n
              \ud83c\udf10Some banks offer free NEFT service promotion<\/p>\n
              VI. Recommendations for Applicable Scenarios<\/p>\n
              \u2705UPI is the preferred choice for small daily transfers<\/strong>::
              \n- QR code payment for street vendors
              \n- AA collection of assessed contributions
              \n- DTH top-ups and other small micropayments<\/p>\n
              \u2705IMPS for large emergency remittances<\/strong>::
              \n- \ud83d\udc8d Wedding Bride Price Instant Transfer
              \n- \ud83c\udfe5 Payment for medical emergencies
              \n- \u23f1 Last-minute margin payments<\/p>\n
              \u2705NEFT for corporate bulk payments<\/strong>:
              \n- \ud83d\udc54 payroll
              \n- \ud83c\udfe2 Periodic vendor settlements
              \n- \ud83d\udcc5 Fixed date block trades<\/p>","protected":false},"excerpt":{"rendered":"
              UPI vs IMPS vs NEFT: Full Comparison of Indian Payment Systems ...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-2663","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\nUPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/upi-vs-imps-vs-neft\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\" \/>\n<meta property=\"og:description\" content=\"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 …\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/upi-vs-imps-vs-neft\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-14T06:31:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts156.mm.bing.net\/th?q=phonepe155\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\",\"datePublished\":\"2025-05-14T06:31:12+00:00\",\"dateModified\":\"2025-05-14T06:31:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/\"},\"wordCount\":72,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts156.mm.bing.net\/th?q=phonepe155\",\"articleSection\":[\"\u5370\u5ea6\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/\",\"name\":\"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts156.mm.bing.net\/th?q=phonepe155\",\"datePublished\":\"2025-05-14T06:31:12+00:00\",\"dateModified\":\"2025-05-14T06:31:12+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage\",\"url\":\"https:\/\/ts156.mm.bing.net\/th?q=phonepe155\",\"contentUrl\":\"https:\/\/ts156.mm.bing.net\/th?q=phonepe155\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.deekpay.com\/#website\",\"url\":\"https:\/\/www.deekpay.com\/\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.deekpay.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.deekpay.com\/#organization\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\",\"url\":\"https:\/\/www.deekpay.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"contentUrl\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"width\":649,\"height\":191,\"caption\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\",\"name\":\"deekpay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"caption\":\"deekpay\"},\"sameAs\":[\"https:\/\/deekpay.com\"],\"url\":\"https:\/\/www.deekpay.com\/en\/author\/deekpay\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/upi-vs-imps-vs-neft\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\/","og_locale":"en_GB","og_type":"article","og_title":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4","og_description":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 …","og_url":"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/upi-vs-imps-vs-neft\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4\/","og_site_name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","article_published_time":"2025-05-14T06:31:12+00:00","og_image":[{"url":"https:\/\/ts156.mm.bing.net\/th?q=phonepe155"}],"author":"deekpay","twitter_card":"summary_large_image","twitter_misc":{"Written by":"deekpay"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4","datePublished":"2025-05-14T06:31:12+00:00","dateModified":"2025-05-14T06:31:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/"},"wordCount":72,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"image":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage"},"thumbnailUrl":"https:\/\/ts156.mm.bing.net\/th?q=phonepe155","articleSection":["\u5370\u5ea6\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/","url":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/","name":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","isPartOf":{"@id":"https:\/\/www.deekpay.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage"},"image":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage"},"thumbnailUrl":"https:\/\/ts156.mm.bing.net\/th?q=phonepe155","datePublished":"2025-05-14T06:31:12+00:00","dateModified":"2025-05-14T06:31:12+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#primaryimage","url":"https:\/\/ts156.mm.bing.net\/th?q=phonepe155","contentUrl":"https:\/\/ts156.mm.bing.net\/th?q=phonepe155"},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/2025\/05\/14\/upi-vs-imps-vs-neft%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e5%af%b9%e6%af%94\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"UPI vs IMPS vs NEFT\uff1a\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u5bf9\u6bd4"}]},{"@type":"WebSite","@id":"https:\/\/www.deekpay.com\/#website","url":"https:\/\/www.deekpay.com\/","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8","description":"","publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deekpay.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.deekpay.com\/#organization","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546","url":"https:\/\/www.deekpay.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/","url":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","contentUrl":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","width":649,"height":191,"caption":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546"},"image":{"@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d","name":"deekpay","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","caption":"deekpay"},"sameAs":["https:\/\/deekpay.com"],"url":"https:\/\/www.deekpay.com\/en\/author\/deekpay\/"}]}},"_links":{"self":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2663","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/comments?post=2663"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2663\/revisions"}],"predecessor-version":[{"id":2664,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2663\/revisions\/2664"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=2663"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=2663"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=2663"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}