{"id":10322,"date":"2022-12-22T17:07:12","date_gmt":"2022-12-22T11:37:12","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=10322"},"modified":"2025-03-25T15:08:30","modified_gmt":"2025-03-25T09:38:30","slug":"rbi-policy-upi-bbps","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/","title":{"rendered":"RBI Policy Development: New scope for UPI and BBPS"},"content":{"rendered":"<blockquote class=\"modern-quote\"><p><span style=\"font-weight: 400;\" data-rich-links=\"{&quot;dat_df&quot;:{&quot;fres_frt&quot;:1,&quot;dfie_ts&quot;:{&quot;tv&quot;:{&quot;tv_s&quot;:1670414400,&quot;tv_n&quot;:0}},&quot;dfie_l&quot;:&quot;en&quot;,&quot;dfie_p&quot;:{&quot;fres_frt&quot;:0,&quot;tres_tv&quot;:&quot;MMM d, y&quot;},&quot;dfie_dt&quot;:&quot;Dec 7, 2022&quot;,&quot;dfie_pt&quot;:3},&quot;type&quot;:&quot;date&quot;}\">Dec 7, 2022<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Reserve Bank of India has announced two developments when it comes to the Unified Payment Interface(UPI) and Bharat Bill Payment System(BBPS)<\/span><\/p><\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d0fd1c9125e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d0fd1c9125e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/#What_is_UPI\" >What is UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/#What_is_BBPS\" >What is BBPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/#1_UPI_will_have_the_option_of_blocking_funds_for_future_payments\" >1. UPI will have the option of blocking funds for future payments:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/#2_Bharat_Bill_Payment_System_BBPS_Will_Now_Support_All_Payments_Collection\" >2. Bharat Bill Payment System (BBPS) Will Now Support All Payments &amp; Collection:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/blog\/business-banking\/rbi-policy-upi-bbps\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_UPI\"><\/span><strong>What is UPI?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You have to make an immediate transfer to your friend. You get your phone, open the mobile app, enter the <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/razorpay.com\/learn\/what-is-virtual-payment-address-vpa\/\">Virtual Payment Address<\/a> (unique ID as given by the bank), enter the amount to be transferred and there you go!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is a UPI transaction.\u00a0<\/span><\/p>\n<p>UPI is a real-time payment system that enables you to transfer funds from one bank account to another via a mobile platform.<\/p>\n<p><span style=\"font-weight: 400;\">Easy, faster and seamless transaction from anywhere round the clock 24*7 and 365 days!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yes, it\u2019s a reality now with UPI transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">UPI supercharges multiple bank accounts and all of them in a single mobile application. This system also enables you to send a request to receive money which can be then transferred by the payer as per convenience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You go to your favourite pani-puri stall, scan the QR code and transact in seconds. That\u2019s the power of UPI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Today, UPI has been the major contributor towards revolutionizing digital payments in India.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_BBPS\"><\/span><strong>What is BBPS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">BBPS was introduced by the Reserve bank of India. This was designed to offer an integrated, interoperable bill payment system for customers. BBPS facilitates the conversion of bill payments from cash to an electronic channel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This system enables payment via multiple payment modes and also ensures instant payment confirmation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a simple structure that will help simplify the bill payment process via BBPS:<\/span><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-10323 size-full alignnone\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2022\/12\/Chart.png\" alt=\"chart\" width=\"2400\" height=\"982\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart.png 2400w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart-300x123.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart-1024x419.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart-768x314.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart-1536x628.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Chart-2048x838.png 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/span><\/p>\n<h3><strong>Payment Modes<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-10356 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2022\/12\/4.png\" alt=\"\" width=\"2400\" height=\"786\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4.png 2400w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4-300x98.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4-1024x335.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4-768x252.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4-1536x503.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/4-2048x671.png 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/span><\/p>\n<h3><strong>Two-tiered structure of BBPS<\/strong><\/h3>\n<p><strong>BBPCU:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0The operations of BBPS is looked after by a single authorized entity known as Bharat Bill Payment Central Unit (BBPCU).<\/span><\/p>\n<p><strong>BBPOUs:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Bharat Bill Payment Operating Units (BBPOUs)-the authorised operational units are of the following types:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-10324 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2022\/12\/Customer-Biller.png\" alt=\"bill\" width=\"2400\" height=\"690\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller.png 2400w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller-300x86.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller-1024x294.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller-768x221.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller-1536x442.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2022\/12\/Customer-Biller-2048x589.png 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/p>\n<h3><strong>Why BBPS?<\/strong><\/h3>\n<p><em>Know how BBPS can be beneficial for you.<\/em><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Interoperable:<\/strong> Both banking and non-banking platforms will be connected via an integrated platform like BBPS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Accessible:<\/strong> Faster and seamless payment of bills is a reality now through any channel including Agent-Assisted Model at any Agent\/BC outlet\/bank branch\/ online channels.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Integration:<\/strong> BBPOU (Bharat Bill Payment Operating Unit) i.e Banks\/Non-Banks will have to connect only to BBPCU (Bharat Bill Payment Central Unit) for access to all the billers. BBPOU is where all billers need to connect to enable all customers to pay their bills.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Clearing &amp; Settlement:<\/strong> A standard TAT is maintained for multiple clearing and guaranteed settlements.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Complaint Management:<\/strong>\u00a0 Customer complaints about any transactions will be tackled by a standardized complaint management system.<\/span><\/li>\n<\/ul>\n<p><em><strong>So, what is RBI planning?<\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_UPI_will_have_the_option_of_blocking_funds_for_future_payments\"><\/span><strong>1. UPI will have the option of blocking funds for future payments:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">UPI is now powered with a single block and multiple debit feature. But what does it mean?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now customers can create a payment mandate against their merchants for specific transactions at a later date by blocking funds in the merchant\u2019s bank account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new single block multiple debit feature will allow you to block funds for future payments which can be debited as per your needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, There&#8217;s an e-commerce platform and a sum of Rs 10,000 can be directly approved by a customer. Now they place 10 different orders of Rs 1,000 each. This will now be auto-debited until the maximum limit of Rs 10,000 is reached. Hence they do not need any additional permits.<\/span><\/p>\n<p><b>Related Read: <\/b><a href=\"\u201chttps:\/\/razorpay.com\/learn\/what-is-payment-bank\/\u201d\"><b>What are Payment Banks? Features &amp; List of Payments Banks<\/b><\/a><\/p>\n<h3><b>What it means for businesses?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The merchants will get the assurance of timely payments, while the customers can pay by blocking the amount in their accounts. This means that the commitment to pay is held intact but once the goods are delivered and received only then the amount will be transferred to the account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Once the UPI customer has agreed to block the money in their bank account, the merchant can now go for multiple debits up to a maximum permitted amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This feature will enable easy methods for the customers to keep the money for investment purposes such as buying securities in the stock market, besides the purchase of government securities and others.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">This UPI development will also build better trust in transactions as merchants will be assured of timely payments.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Although UPI already has the feature of processing mandates for recurring transactions it only allows a single block and single debit at a time.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u201cIt has, therefore, been decided to introduce a single-block-and-multiple debits functionality in <\/span><b>UPI, <\/b><span style=\"font-weight: 400;\">which will significantly enhance the ease of making payments in e-commerce space and towards investments in securities,\u201d said the <strong>RBI.<\/strong><\/span><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"2_Bharat_Bill_Payment_System_BBPS_Will_Now_Support_All_Payments_Collection\"><\/span><strong>2. Bharat Bill Payment System (BBPS) Will Now Support All Payments &amp; Collection:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Currently, BBPS does not support any non-recurring payments or collections. It does not cater to bill payments and collections like rent collections, education fees, and tax payments even when they are recurring in nature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">RBI has now decided to improve the scope of BBPS by including all categories of payments and collections, both of recurring and non-recurring nature.<\/span><\/p>\n<h3><b>What it means for businesses?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This will allow a wider set of businesses for faster access to funds and improved efficiency of BBPS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enabling Recurring payments across wider categories will allow the customers to ensure timely payment of their bills and that too it is all automated.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hence this means there would be no customer intervention at every step of bill payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instead of just recurring payments, now business-to-business and peer-to-peer <a href=\"https:\/\/razorpay.com\/blog\/what-is-an-invoice-payment\/\">invoice payments<\/a> can be done seamlessly through BBPS, hence <a href=\"https:\/\/razorpay.com\/blog\/what-is-invoice\/\">invoices<\/a> can be counted as bills<\/span><\/li>\n<\/ul>\n<blockquote class=\"modern-quote\"><p><span style=\"font-weight: 400;\">\u201cIndia, as an economy, has already witnessed a rapid rise in digital payments, logging 23.06 billion transactions amounting to Rs 38.3 lakh crore in the third quarter this year. RBI\u2019s recent efforts with respect to digital payments will certainly contribute towards the cashless economy imperative.&#8221;-Akash Sinha, CEO and co-founder, Cashfree Payments<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Banking has faced prominent evolution. The evolution of the fintech space has had a significant impact on businesses today.<\/span><\/p>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.com\/x\/?r=blog_cta_business_banking_rbi_policy_upi_bbps&amp;utm_source=blog&amp;utm_medium=cta\" target=\"_blank\" rel=\"noopener\" data-schema-attribute=\"\">Join RazorpayX!<\/a><\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Read more: <a href=\"https:\/\/razorpay.com\/blog\/business-banking\/fintech-meaning-evolution-outcome\/\">Fintech<\/a><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/razorpay.com\/x\/current-accounts\/\">\u00a0<span style=\"font-weight: 400;\">RazorpayX<\/span><\/a><span style=\"font-weight: 400;\"> allows business owners to open<\/span><a href=\"https:\/\/razorpay.com\/x\/current-accounts\/?utm_source=direct&amp;utm_medium=website\"> <span style=\"font-weight: 400;\">current accounts<\/span><\/a><span style=\"font-weight: 400;\">,<\/span><a href=\"https:\/\/razorpay.com\/x\/tax-payments\/\"> <span style=\"font-weight: 400;\">pay taxes<\/span><\/a><span style=\"font-weight: 400;\">, schedule payments,<\/span><a href=\"https:\/\/razorpay.com\/x\/vendor-payments\/\"> <span style=\"font-weight: 400;\">pay vendors<\/span><\/a><span style=\"font-weight: 400;\"> seamlessly and check invoices from a single dashboard. This saves valuable time and effort.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It fills the gap between advanced banking solutions and finance professionals. It allows easy accounting software integration.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">With<\/span><a href=\"https:\/\/razorpay.com\/payroll\/\"> <span style=\"font-weight: 400;\">RazorpayX Payroll<\/span><\/a><span style=\"font-weight: 400;\">, businesses can automate salary payments and provide insurance policies to their employees.<\/span><\/li>\n<\/ul>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.com\/x\/current-accounts\/?r=blog_cta_business_banking_forex_trading&amp;utm_source=blog&amp;utm_medium=cta\" target=\"_blank\" rel=\"noopener\" data-schema-attribute=\"\">Explore RazorpayX-powered Current Account<\/a><\/div>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"rank-math-rich-snippet-wrapper\"><div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is UPI?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>UPI is a real-time payment system that enables you to transfer funds from one bank account to another via a mobile platform.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is BBPS?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>BBPS was introduced by the Reserve bank of India. This was designed to offer an integrated, interoperable bill payment system for customers. BBPS facilitates the conversion of bill payments from cash to an electronic channel.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What are the two new RBI developments in UPI and BBPS?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The two new RBI monetary policy developments are as follows:<br \/>\n1. UPI will have the option of blocking funds for future payments<br \/>\n2. Bharat Bill Payment System (BBPS) Will Now Support All Payments &amp; Collection:<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dec 7, 2022: The Reserve Bank of India has announced two developments when it comes to the Unified Payment Interface(UPI) and Bharat Bill Payment System(BBPS) What is UPI? You have to make an immediate transfer to your friend. You get your phone, open the mobile app, enter the Virtual Payment Address (unique ID as given<\/p>\n","protected":false},"author":102,"featured_media":10355,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[27],"tags":[384,383,93],"class_list":{"0":"post-10322","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business-banking","8":"tag-bbps","9":"tag-rbi-policy","10":"tag-upi"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/10322","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=10322"}],"version-history":[{"count":4,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/10322\/revisions"}],"predecessor-version":[{"id":21675,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/10322\/revisions\/21675"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/10355"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=10322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=10322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=10322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}