Editing Debit card (section)

===India===
After the demonetization by current government in the December 2016, there has been a surge in cashless transactions, so nowadays you could find card acceptance in most places. The debit card was mostly used for [[Automated teller machine|ATM]] transactions. RBI has announced that fees are not justified so transactions have no processing fees.<ref>{{cite news|url=http://www.indianexpress.com/news/rbi-says-fee-on-debit-card-usage-not-permissible/1174463/|title=RBI says fee on debit card usage not permissible|newspaper=The Indian Express|date=September 2013|access-date=2013-10-03|archive-date=2013-09-30|archive-url=https://web.archive.org/web/20130930232649/http://www.indianexpress.com/news/rbi-says-fee-on-debit-card-usage-not-permissible/1174463/|url-status=live}}</ref> Almost half of Indian debit and credit card users use Rupay card. Some Indian banks issue Visa debit cards, though some banks (like [[State Bank of India|SBI]] and [[Citibank India]]) also issue [[Maestro (debit card)|Maestro]] cards. The debit card transactions are routed through Rupay (mostly), Visa or MasterCard networks in India and overseas rather than directly via the issuing bank.

The [[National Payments Corporation of India]] (NPCI) launched a new card processing platform called [[RuPay]],<ref>{{cite web|url=http://www.npci.org.in/photo21.aspx|title=RuPay card Launch|publisher=NPCI|date=March 2011|access-date=2011-08-23|archive-url=https://web.archive.org/web/20110816230353/http://www.npci.org.in/photo21.aspx|archive-date=2011-08-16|url-status=dead}}</ref> similar to Singapore's [[Network for Electronic Transfers|NETS]] and [[PRC|Mainland China's]] [[UnionPay]],<ref>{{cite web|url=http://www.financialexpress.com/news/indiapays-name-changed-to-rupay/730023/1|title=India card to be called Rupay|date=28 December 2010}}</ref><ref>{{Cite news|url=https://timesofindia.indiatimes.com/business/india-business/Finally-India-card-Rupay-to-replace-Visa-MasterCard/articleshow/7755657.cms|archive-url=https://web.archive.org/web/20110324172828/http://articles.timesofindia.indiatimes.com/2011-03-21/india-business/29170858_1_debit-cards-credit-card-market-npci|url-status=live|archive-date=2011-03-24|work=[[The Times of India]]|title=India card to be called Rupay | date=2011-03-21}}</ref> as an alternative to Visa and MasterCard, it is widely accepted, but due to the popularisation of [[Unified Payments Interface]] (UPI), most people connect their bank accounts directly to a UPI provider to access mobile payments, cutting out the need for a debit card.

As the [[Coronavirus disease 2019|COVID]] cases in [[India]] are surging up, the banking institution has shifted its focus to [[contactless payment]] options such as contactless debit card, contactless credit card and contactless prepaid card.<ref>https://assets.kpmg.com/content/dam/kpmg/in/pdf/2020/08/impacting-digital-payments-in-india.pdf {{Bare URL PDF|date=August 2024}}</ref> The payment methods are changing drastically in India because of [[social distancing]] norms and [[lockdown]]; people are using more of the digital transactions rather than [[cash]].<ref>{{Cite web |last=Turchenko |first=Alina |date=2021-10-14 |title=How to pay in India & How Indians pay |url=https://payspacemagazine.com/all/pay-india/ |access-date=2023-05-23 |website=PaySpace Magazine |language=en}}</ref>