RuPay Card for International ECOMM, POS, Contactless transaction
RuPay cards are accepted domestically and internationally. To further increase success rate of RuPay cards internationally, Issuer member banks shall comply to RuPay Online Switching Interface Specification V20.3 dates 1st Aug’23 or versions released thereafter. The enablement to the below mentioned functionalities will enhance the RuPay cardholder payment experience for international transactions.
Card Account Verification (CAV): A Card Account Verification (CAV) is a transaction which allows an Acquirer to send a CAV request to an Issuer to verify the integrity of the card. This helps the card acceptor or the merchant to perform a check on the card status prior to initiating a purchase transaction to ensure a better success rate. Issuers shall validate the card status, account status, eligibility for international transaction and respond to the transaction message.
Merchant attempted 3DS: With Merchant attempted 3DS ECom transactions RuPay customers can use their card on international merchant site, where issuer shall validate transaction basis card-number, CVV and Expiry date – where the transaction will be received by issuer with different Ecommerce transaction identifier (ECI).
NPCI SecureNxt – RuPay 3DS: NPCI SecureNxt allows RuPay to process EMV 3DS transactions for card not present transactions. It provides a strong security layer for user authentication and complies with EMV and regulator’s regulations. This enhancement will be applicable for both Domestic as well as International RuPay transactions.
