’India’s success with UPI offers replicable model for other nations’
1 month ago

’India’s success with UPI offers replicable model for other nations’

Live Mint  

New Delhi, December 7 : India's success with UPI offers a replicable model for other nations, a paper written by noted experts asserted, arguing that how this indigenous fintech solution combined public digital infrastructure with open banking policies to reduce financial exclusion, foster innovation, and promote equitable economic growth. In regions with high UPI adoption, loans to new-to-credit borrowers grew by 4 per cent, and to subprime borrowers by 8 per cent, the paper claimed. Since its launch in 2016, the Unified Payments Interface has transformed financial access in India, enabling 300 million individuals and 50 million merchants to perform seamless digital transactions. According to the paper, a 10 per cent increase in UPI transactions led to a 7 per cent rise in credit availability, reflecting how digital financial histories enabled lenders to assess borrowers better.

India Digital Upi  replicable  borrowers  financial  nations  model  upi  indias  india  payments  offers  digital  cent  paper  credit  success  subprime

History of this topic

How 16.73 billion UPI transactions killed the ubiquitous toffee business
2 days, 1 hour ago

How 16.73 billion UPI transactions killed the ubiquitous toffee business

Live Mint  

India's Unified Payments Interface transactions rose to 16.73 billion in December 2024, National Payments Corporation of India data revealed. Commenting on this narrative, Harshad Shah, a chartered accountant, said, “Before UPI, shopkeepers would trade Toffees for small change, stating shortage of Coins.” “These small amounts of change over weeks would amount to becoming vast sums of Money, which were never …

UPI hits record with ₹16.73 billion in transactions in December 2024
Trending News
6 days, 1 hour ago

UPI hits record with ₹16.73 billion in transactions in December 2024

Live Mint  

Unified Payments Interface transactions hit a record 16.73 billion in December 2024, shows data released by the National Payments Corporation of India. NPCI also reported that the total value of transactions in December amounted to ₹23.25 lakh crore, which is significantly up from ₹21.55 lakh crore in November. NPCI data NPCI extends deadline for compliance with UPI volume cap On …

Good news for UPI users! NPCI extends deadline for transaction limits, relief for PhonePe and Google Pay users
1 week ago

Good news for UPI users! NPCI extends deadline for transaction limits, relief for PhonePe and Google Pay users

India TV News  

The National Payment Corporation of India has decided to postpone its plan to implement a 30 percent cap on any individual app's share of transactions within the Unified Payments Interface. This recent development comes as a significant relief for PhonePe, backed by Walmart, and Google Pay, which together account for 85 percent of UPI transactions. NPCI, which is supported by …

PM Modi shares key highlights of Indias transformative achievements in 2024 | Check details
1 week, 1 day ago

PM Modi shares key highlights of Indias transformative achievements in 2024 | Check details

India TV News  

Prime Minister Narendra Modi, in a series of tweets marking the end of 2024, reflected on the significant strides made by India in various sectors over the past year. Rural development and empowerment Since the onset of Modi’s government in 2014, a key focus has been improving the lives of people in rural India. With 4G connectivity reaching over 6 …

India Likely To Log Over 171 Billion UPI Transactions In 2024, NPCI Data Shows
Trending News
1 week, 2 days ago

India Likely To Log Over 171 Billion UPI Transactions In 2024, NPCI Data Shows

ABP News  

The Unified Payments Interface is estimated to surpass 171 billion transactions in 2024, official data from the National Payments Corporation of India revealed. The data showed that this represents a 45 per cent surge in the UPI transactions in the country, as against the 117 billion transactions recorded via UPI in 2023, reported Moneycontrol. On an average, the UPI platform …

UPI achieves record 15,000 crore transactions worth ₹223 Lakh Crore by Nov 2024
3 weeks, 3 days ago

UPI achieves record 15,000 crore transactions worth ₹223 Lakh Crore by Nov 2024

Hindustan Times  

The Finance Ministry said on Saturday that from January to November of this year, 15,547 crore transactions of ₹223 lakh crore were handled through the Unified Payments Interface. From January to November of this year, 15,547 crore transactions of ₹ 223 lakh crore were made over the Unified Payments Interface, "demonstrating its transformative impact on financial transactions" in India.) The …

UPI enables expansion of credit among underserved borrowers: Study
4 weeks, 2 days ago

UPI enables expansion of credit among underserved borrowers: Study

New Indian Express  

BENGALURU: Unified Payments Interface has enabled underserved borrowers to access formal credit for the first time as loans to new-to-credit borrowers in regions with high UPI adoption have increased by 4% and to subprime borrowers by 8%, according to a study. Titled Open Banking and Digital Payments: Implications for Credit Access, the study points out that the UPI, since its …

UPI enabled significant expansion of credit among underserved borrowers: Study
1 month ago

UPI enabled significant expansion of credit among underserved borrowers: Study

Live Mint  

New Delhi, Dec 7 Unified Payments Interface has brought in a significant expansion of consumer credit among the underserved borrowers who had no credit history, a study said. By October 2023, 75 per cent of all retail digital payments in India were through UPI, according to a study titled Open Banking and Digital Payments: Implications for Credit Access. It has …

RBI to allow small finance banks to extend pre-sanctioned credit lines through UPI, check details
1 month ago

RBI to allow small finance banks to extend pre-sanctioned credit lines through UPI, check details

India TV News  

In a latest development, the Reserve Bank of India on Friday proposed to allow small finance banks to extend pre-sanctioned credit lines through Unified Payments Interface. Credit line on UPI has the potential to make available low-ticket, low-tenor products to "new-to-credit" customers, RBI Governor Shaktikanta Das said. The scope of UPI was in September 2023 expanded by enabling pre-sanctioned credit …

India’s digital payments to grow threefold from 159 bn to 481 bn by FY29: PwC re
4 months ago

India’s digital payments to grow threefold from 159 bn to 481 bn by FY29: PwC re

Live Mint  

- India's digital payments industry is witnessing a huge surge, with transaction volumes growing by 42 per cent year-on-year in FY 2023-24, according to a new report by PwC. In FY 2023-24, UPI saw an impressive 57 per cent YoY growth in transaction volume, surpassing 131 billion transactions. Growth trends The report estimates that by FY 2028-29, UPI transactions could …

Rs 81 lakh crore worth transactions processed by UPI in April-July | DETAILS
4 months, 1 week ago

Rs 81 lakh crore worth transactions processed by UPI in April-July | DETAILS

India TV News  

India's Unified Payments Interface processed nearly ₹ 81 lakh crore transactions in the April-July period this year, which is a staggering 37 per cent increase and surpassing all world's leading digital payments platforms. According to latest data by global payments hub Paysecure, UPI processed 3,729.1 transactions per second — a 58 per cent surge over the 2,348 transactions every second …

UPI grows in India: Here's how many users adopting it every month, what's fueling it
5 months, 2 weeks ago

UPI grows in India: Here's how many users adopting it every month, what's fueling it

India TV News  

The digital payment sector continues to grow rapidly, with the Unified Payments Interface adding up to 60 lakh new users every month. According to the latest data from the National Payments Corporation of India, the number of transactions on the UPI platform increased by 49 percent year-on-year to 13.9 billion in June, with the transaction value rising by 36 percent …

UPI transactions increasing in small towns in India but THIS age group still uses wallet, card
5 months, 4 weeks ago

UPI transactions increasing in small towns in India but THIS age group still uses wallet, card

India TV News  

A new report revealed that approximately 65 percent of transactions by consumers in small-town India are now digital, while in larger cities, this ratio is around 75 percent. The report, conducted by Kearney India and Amazon Pay India, highlights the leading role of India's millennials and Gen X in spearheading the digital payment revolution. Shashwat Sharma, Partner and Financial Services …

Use Of UPI Payments In India Surged By 7.2% In 2022-23: Report
6 months ago

Use Of UPI Payments In India Surged By 7.2% In 2022-23: Report

News 18  

The use of digital technologies for business activities in India, especially Unified Payments Interface for ordering, has increased significantly. According to a recent survey by the Department of Statistics, the use of the Internet for business purposes, be it for UPI payments or online ordering, has increased from 7.7 percent to 13.5 percent in rural areas and from 21.6 percent …

Adani Group to enter UPI, digital payment, credit card business to compete Google and Reliance: Report
7 months, 1 week ago

Adani Group to enter UPI, digital payment, credit card business to compete Google and Reliance: Report

Live Mint  

Adani Group is in discussions to enter the e-commerce and payments space as the conglomerate develops a digital company to rival Google and Reliance Industries, owned by Mukesh Ambani, in the world’s most populous country, according to the Financial Times, which cited sources. As per the news report, it is also negotiating to provide online shopping via the Open Network …

The UPI paradox: Making you overspend but helping others save
8 months ago

The UPI paradox: Making you overspend but helping others save

India Today  

A small UPI code peeks out of the green coconuts heaped on Yuvraj Yadav's handcart outside a park in Delhi's GK-1. "A significant majority, 74.2% of the respondents, admitted to experiencing increased spending after adopting UPI," Dhruv Kumar, Assistant Professor of IIIT Delhi, tells IndiaToday.In. "Academic research suggests that paying with cash makes people spend more consciously than using digital …

Tech Tonic | The gaps in India’s digital payments ecosystem need plugging
8 months, 1 week ago

Tech Tonic | The gaps in India’s digital payments ecosystem need plugging

Hindustan Times  

There is little doubt that Indians are spending more than ever before. You cannot use your credit card or debit card for subscriptions and recurring payments on the Apple App Store or the Google Play Store, be it for any app or service. Then there was a pursuit of getting RuPay credit cards aboard the UPI or unified payments interface. …

India plans to curb Google, PhonePe’s dominance in mobile payments: Report
8 months, 3 weeks ago

India plans to curb Google, PhonePe’s dominance in mobile payments: Report

The Hindu  

India’s governing body overseeing the country’s Unified Payments Interface mobile payments system is set to engage with fintech startups to develop a strategy to address the growing market dominance of companies including PhonePe and Google pay in the UPI ecosystem. The National Payments Corporation of India plans to meet executives from companies including CRED, Flipkart, Fampay, and Amazon to discuss …

The impact of technology on finance: Enhancing experiences and safety
8 months, 4 weeks ago

The impact of technology on finance: Enhancing experiences and safety

Hindustan Times  

The proliferation of financial technology and digital banking services has revolutionised the financial landscape, making access to finance more convenient and inclusive. The prominence of fintech platforms and the increasing digitalisation of banks have democratised financial services, expanding access beyond metropolitan cities. There is a significant increase in instances of fraudsters posing as employees of fintech platforms, attempting to obtain …

Fintech Start-Ups See Fewer Incorporation In 2023, Survey By Growthpal Reveals
10 months, 2 weeks ago

Fintech Start-Ups See Fewer Incorporation In 2023, Survey By Growthpal Reveals

ABP News  

Fewer fintech start-ups got incorporated in India in 2023, a survey revealed. The survey by Growthpal, a mergers and acquisitions deal sourcing platform, found that the number of fintech start-ups that got incorporated in India in 2023 stood 72.6 per cent lower than 2021 and 55.55 per cent lower than 2022. However, the subsequent introduction of new regulations and compliance …

Harmonizing Horizons: Unravelling Digital Lending Regulations in a Global Context
11 months, 2 weeks ago

Harmonizing Horizons: Unravelling Digital Lending Regulations in a Global Context

Live Law  

Driven by technical improvements and improved internet access, digital lending is on the rise in India with the goal of improving financial inclusion. The Consumer Financial Protection Bureau plays a pivotal role in enforcing federal consumer protection laws, recently issuing guidelines tailored for digital lending platforms. United Kingdom Within the United Kingdom, oversight of digital lending platforms falls under the …

CoWIN Breach, Apple Alerts: What Was It Like Living in Digital India in 2023?
1 year ago

CoWIN Breach, Apple Alerts: What Was It Like Living in Digital India in 2023?

The Quint  

Flip-flop on laptop, tablet imports: Initially, the central government placed imports of laptops, tablets, all-in-one personal computers, and ultra-small form factor computers, and servers under the ‘restricted’ category, making their imports permissible only under a valid licence. Apple retail stores in India: In April, CEO Tim Cook made his way to India to launch the first Apple retail stores in …

Regulators should balance innovation in non-banks, mitigate risks in banks
1 year, 2 months ago

Regulators should balance innovation in non-banks, mitigate risks in banks

Live Mint  

Mumbai: There are adequate reasons for regulators and policymakers to adopt a balance between supporting growth and product innovation in the non-bank sector, and mitigating risks in the traditional banking system, said a report by the Centre for Advanced Financial Research and Learning on Tuesday. “The quality of the underwriting processes and third-party lending practices among NBFCs and FinTech companies …

Fintech players expect bumper sales during this festive season by 15-20%
1 year, 2 months ago

Fintech players expect bumper sales during this festive season by 15-20%

Live Mint  

While a surge in demand doesn't always lead to a corresponding rise in disbursements for digital lending platforms, overall disbursements tend to increase by an average of 15-20 percent during the festive period The digital lending industry is anticipating a strong resurgence in business, and can expect as much as 15-20 percent increase during the festive season, The Economic Times …

India in talks with countries in LatAm, Africa for UPI, RuPay
1 year, 4 months ago

India in talks with countries in LatAm, Africa for UPI, RuPay

Live Mint  

New Delhi: India is in talks with several South American and African nations for introducing Unified Payment Interface and RuPay cards, in its efforts to establish the payment platforms internationally, a senior government official said. “The discussions are primarily on with high commissions embassies, and are at various stages of negotiations, as India looks to internationalise these platforms,” the official …

India ranks first in digital payments made globally: Report
1 year, 4 months ago

India ranks first in digital payments made globally: Report

Deccan Chronicle  

Hyderabad: Online banking and the shift to a cashless society started approximately three decades ago in India. This year, 91 billion digital payment transactions have been recorded and today India ranks first in the number of digital payments made globally. Backbase on Wednesday released the IDC Infobrief titled ‘Accelerating customer-centric transformation by balancing build and buy - A collaborative approach …

Data | UPI payments: relief for users, a headache for banks
1 year, 6 months ago

Data | UPI payments: relief for users, a headache for banks

The Hindu  

The dizzying array of daily limits on United Payments Interface transactions set by apps and banks — both in terms of value and volume — has put the spotlight on the rapid rise in such transactions in India in recent years. Such limits were introduced given the surge in the volume of UPI transactions in India in recent years after …

The Maths behind the rise in credit card transactions in India
1 year, 6 months ago

The Maths behind the rise in credit card transactions in India

Live Mint  

Rise in credit card transactions in India: After the Unified Payments Interface, now credit card transactions have surpassed debit card usage in India. When compared to debit cards, credit card transactions had a total value of ₹1.33 lakh crore as opposed to ₹53,000 crore. Historically dominated by debit card transactions, the shift towards credit cards is driven by several factors, …

UPI Supremacy In Retail Sales: 70% MSMEs Believe UPI Drives More Sales For Them
1 year, 7 months ago

UPI Supremacy In Retail Sales: 70% MSMEs Believe UPI Drives More Sales For Them

News 18  

70% of Ministry of Micro, Small & Medium Enterprises believe more than half of their retail sales will be via UPI, found NeoInsights study titled ‘Decoding Digital Payments: A Retailer Perspective’, recently released by NeoGrowth, an MSME-focused digital lender in India. The study covered the digital payments adoption behaviour of Indian retailers across 25+ cities and 70+ industry segments. UPI …

India expected to become 50% non-cash economy in consumption by 2026
1 year, 8 months ago

India expected to become 50% non-cash economy in consumption by 2026

Firstpost  

India is expected to become a 50 per cent non-cash economy in consumption in the next three years. According to a new report, the person-to-merchat digital transactions could reach over $1.5 trillion by the Financial Year 2026. Saurabh Trehan, Partner and Leader of the Financial Services practice, Bain & Company, said, “With the current technical and financial momentum, India is …

From Your Sabziwala to Countries Like Singapore, How UPI Has Changed the Way You Pay - News18
1 year, 9 months ago

From Your Sabziwala to Countries Like Singapore, How UPI Has Changed the Way You Pay - News18

News 18  

Keeping up with the digital era, the Centre presented an idea that significantly reduced the worry of not having enough cash or an ATM nearby. India’s UPI journey began almost seven years ago and since then, the report card has showed only promising outcomes, including its role in boosting the fin-tech ecosystem. In December, Bharat Interface for Money was launched …

PM Modi: Current digital finance innovations may lead to destabilisation
1 year, 10 months ago

PM Modi: Current digital finance innovations may lead to destabilisation

India Today  

Prime Minister Narendra Modi on Friday held a virtual meeting with the finance ministers and the central bank governors under India's G20 presidency to address the important issues related to banking and payments. In order to reduce the risks of destabilisation and misuse posed by innovation in digital finance, the Prime Minister urged G20 members to create rules and laws …

India's UPI and Singapore's PayNow are now linked: How will this benefit users?
1 year, 10 months ago

India's UPI and Singapore's PayNow are now linked: How will this benefit users?

Firstpost  

India has experienced a technological revolution in recent years. With the Unified Payments Interface being connected to PayNow on Tuesday, Indians can now send money to their friends, coworkers, and relatives in Singapore via digital payment systems like Google Pay and PayTM. 🎥A short film screened on UPI of India and PayNow of Singapore It elucidates how the linkage of …

Digital payments will soon overtake cash transactions: PM Modi on UPI-PayNow link between India, Singapore
1 year, 10 months ago

Digital payments will soon overtake cash transactions: PM Modi on UPI-PayNow link between India, Singapore

India TV News  

PM Modi on digital payments system: Prime Minister Narendra Modi today expressed hope that digital transactions will soon surpass cash as Unified Payments Interface is increasingly becoming the most preferred payment mechanism in the country. PM Modi after the launch of the cross-border connectivity between the UPI and PayNow of Singapore said about 74 billion transactions amounting to over Rs …

Fintech-Driven Digital Lending To Bridge Credit Gap In India, Says Report
1 year, 10 months ago

Fintech-Driven Digital Lending To Bridge Credit Gap In India, Says Report

News 18  

The fintech revolution is likely to spur digital lending in India, which is expected to surpass traditional avenues of lending by 2030. This will be driven by deeper inroads being made in the unsecured small-ticket size segment and the secured collateral-based high-ticket size market, according to the latest white paper Fintech-led Digital Lending: Coming of Age by Experian India in …

Fintech In 2022: A Defining Year For Digital Lenders; Untapped Segments See Growth Potential In 2023
2 years ago

Fintech In 2022: A Defining Year For Digital Lenders; Untapped Segments See Growth Potential In 2023

News 18  

The Indian economy has seen a recovery in the year 2022 after a two-year hit by the coronavirus waves in 2020 and 2021. Currently, about 40 per cent of payments by value are digital, contributing to a $3 trillion digital payment market on account of rapid expansion in digital infrastructure, UPI-led migration to digital, pandemic-led acceleration of shift in customer …

76% Indians prefer to make payments through UPI: Know-why
2 years, 2 months ago

76% Indians prefer to make payments through UPI: Know-why

India TV News  

Nearly 76 per cent of Indians now prefer using UPI during online checkouts while more millennials are now using UPI when shopping online, a report showed on Tuesday. While 78 per cent Indians say they are likely to purchase fashion products such as clothing, shoes and accessories, 70 per cent would shop for groceries within social media apps. About 63 …

Fintech 2.0 in 2023: Can India unlock next level
2 years, 2 months ago

Fintech 2.0 in 2023: Can India unlock next level

Firstpost  

The FinTech industry has grown exponentially, and the wave of changes brought in by fintech has profoundly impacted financial inclusion and penetration. It has also been beneficial since a country like India caters to a large population, so it requires advanced technology FinTech has become such an integral part of the financial services ecosystem over the past few years, that …

There Is A Fintech Revolution Happening In India, And These Are The Factors Driving The Industry
2 years, 3 months ago

There Is A Fintech Revolution Happening In India, And These Are The Factors Driving The Industry

ABP News  

India has the highest adoption rate of any country in the world when it comes to financial technology, and this has ushered in a new age for the sector. Fintech's meteoric rise can be attributed to a confluence of factors, including technological advancements, altering social mores, and a regulatory climate that encourages innovation. The India stack and other forms of …

Indian FinTech market to reach $1 trillion by 2030, says CEA
2 years, 3 months ago

Indian FinTech market to reach $1 trillion by 2030, says CEA

The Hindu  

“India is among the fastest growing fintech markets in the world with a market size of $31 billion in 2021 that is expected to reach $1 trillion by 2030,” said V. Anantha Nageswaran, Chief Economic Advisor of India, Ministry of Finance, Government of India. “The next wave in the fintech sector could be the cash flow lending to MSMEs using …

We are well placed to let fintech lead the success of Digital India
2 years, 5 months ago

We are well placed to let fintech lead the success of Digital India

Live Mint  

From a 6.6% contraction in 2020-21, the Indian economy recorded a sharp rebound of 8.7% growth in 2021-22, by provisional estimates. The Niti Aayog report, India’s Booming Gig and Platform Economy, has underscored the role of fintech and a regulatory sandbox regime in helping India achieve its $5 trillion target. Broadly, the fintech sector is regulated under five regulations: the …

UPI: the dawn of digital fintech nirvana
2 years, 6 months ago

UPI: the dawn of digital fintech nirvana

The Hindu  

If you own a smartphone, you have most probably done UPI-based payments using BHIM or some other mobile application. Secondly, a Payment Service Provider takes care of the to-and-fro transactions to this VPA and finally, the UPI software orchestrates the fund movement from a customer’s VPA to a target VPA and completes the transaction. A ubiquitous payment system The popularity …

Rise in Spending Through Credit Cards, Debit Cards, UPI Indicates Pick-Up In Consumption: FinMin
2 years, 6 months ago

Rise in Spending Through Credit Cards, Debit Cards, UPI Indicates Pick-Up In Consumption: FinMin

News 18  

Spending through credit cards and debit cards in April jumps 77.8 per cent and 12.5 per cent to Rs 1.05 lakh crore and 3.49 lakh crore, respectively. “Value of UPI transactions processed through the National Payment Corporation of India stood at Rs 10.4 lakh crore during May 2022, the highest since UPI was launched in 2016, registering month-on-month growth of …

Modi govt 8 years: How India outpaced world in UPI, digital payments
2 years, 7 months ago

Modi govt 8 years: How India outpaced world in UPI, digital payments

India TV News  

Long gone are the days when people use to stand in the long queue at ATMs or at banks to withdraw money. Today, his will effort towards the technological advancement, and support of great engineers, UPI payments were launched in the nation on 11th April 2016 by Dr Raghuram G Rajan, Governor, RBI. And eventually, various banks started to upload …

Govt testing UPI Lite to allow payments without internet
2 years, 11 months ago

Govt testing UPI Lite to allow payments without internet

Live Mint  

BENGALURU :The National Payments Corp. of India is testing a solution that will allow Unified Payments Interface -based digital payments without active internet connection, according to multiple people familiar with the development. The solution, called UPI Lite, will likely be used first to enable digital payments under ₹200 in rural areas, the people, including three government officials and a senior …

Credit-starved India Cannot Achieve Double-digit Growth. It Needs Digital Banks for Lending
3 years ago

Credit-starved India Cannot Achieve Double-digit Growth. It Needs Digital Banks for Lending

News 18  

The Indian economy might have been “liberalized” since the early 1990s, yet a sector–banking–still exists where a license is given and the business model defined by the regulator. The need for regulation for digital banks arises as traditional universal banks like Kotak are already offering digital banking through their 811 service. These banks can leverage a new deposit base like …

The other digital divide
3 years, 1 month ago

The other digital divide

The Hindu  

“Your phone is your wallet,” said Bill Gates in 1996. When smartphones and apps took over, Internet banking moved to apps and IMPS transformed into mobile wallets, which was one step removed from your bank account. Pick an app, download and install it on your smartphone, authenticate your SIM through an OTP process, enable your mobile number-linked bank account, and …

Experience Bank of Maharashtra’s hassle free Digital Lending platform
3 years, 2 months ago

Experience Bank of Maharashtra’s hassle free Digital Lending platform

Hindustan Times  

- Zero processing charges on Housing Loan and Car Loan during ongoing festive season - Lucrative Rate of Interest With changing lifestyles and increased demand for luxury, the surge in auto and home loan is visible in every nook and corner of the country. Considering the consumer demand, Bank of Maharashtra, a premier public sector bank in the country, has …

2020 in review: Digital payments policy initiatives in 2020 that could have a lasting impact
3 years, 2 months ago

2020 in review: Digital payments policy initiatives in 2020 that could have a lasting impact

Firstpost  

Globally, the pandemic has had a transformative impact on digital payments in terms of adoption and growth. The RBI’s persistent steps furthering digital payments have supported last year’s challenges and forced wide-spread digitization. Avenues emerging last year to further UPI include recurring payments via UPI AutoPay, UPI based remittances and cross-border payments, NPCI’s international subsidiary) and offline PoS payments via …

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