{"id":15861,"date":"2024-10-16T09:49:03","date_gmt":"2024-10-16T04:19:03","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=15861"},"modified":"2025-04-14T09:06:59","modified_gmt":"2025-04-14T03:36:59","slug":"difference-between-imps-vs-neft","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/difference-between-imps-vs-neft\/","title":{"rendered":"IMPS vs NEFT: Difference Between IMPS and NEFT Fund Transfer"},"content":{"rendered":"<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-69e7a634a6a70\" 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-69e7a634a6a70\"  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\/difference-between-imps-vs-neft\/#Difference_Between_IMPS_and_NEFT\" >Difference Between IMPS and NEFT<\/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\/difference-between-imps-vs-neft\/#What_is_IMPS_Immediate_Payment_Service\" >What is IMPS (Immediate Payment Service)?<\/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\/difference-between-imps-vs-neft\/#What_is_NEFT_National_Electronic_Funds_Transfer\" >What is NEFT (National Electronic Funds Transfer)?<\/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\/difference-between-imps-vs-neft\/#Which_One_Should_You_Choose_NEFT_or_IMPS\" >Which One Should You Choose: NEFT or IMPS?<\/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\/difference-between-imps-vs-neft\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/blog\/difference-between-imps-vs-neft\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Difference_Between_IMPS_and_NEFT\"><\/span><strong>Difference Between IMPS and NEFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The main difference between <a href=\"https:\/\/razorpay.com\/learn\/what-is-imps\/\">IMPS<\/a> and <a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT<\/a> lies in their transaction timing and processing: IMPS enables real-time transfers 24\/7, making it ideal for urgent payments, while NEFT processes transactions in batches during banking hours, typically settling them at the end of the day.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IMPS generally allows higher transaction limits and is available on weekends and holidays, whereas NEFT is not available during these times. Below is a detailed comparison of both services based on various parameters:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h3><b>Parameters<\/b><\/h3>\n<\/td>\n<td>\n<h3><b>IMPS<\/b><\/h3>\n<\/td>\n<td>\n<h3><b>NEFT<\/b><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Definition<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">IMPS (Immediate Payment Service) enables real-time electronic fund transfers through mobile phones, Internet banking, and ATMs.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">NEFT (National Electronic Funds Transfer) facilitates one-to-one fund transfers in batches during bank working hours.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Regulatory Bodies<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Regulated by the National Payments Corporation of India (<a href=\"https:\/\/razorpay.com\/learn\/national-payments-corporation-of-india-services\/\">NPCI<\/a>).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Regulated by the Reserve Bank of India (RBI).<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Use Case<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Primarily for smaller, urgent transactions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Commonly used for bulk transactions and salary payments.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Money Transfer Time<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Transfers money instantly, available 24\/7, <\/span><span style=\"font-weight: 400;\">365 days, <\/span><span style=\"font-weight: 400;\">including <a href=\"https:\/\/razorpay.com\/learn\/bank-holidays-list-india\/\">bank holidays<\/a>.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Transfers money in batches, which may take up to two hours, operating within scheduled intervals.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Transaction Settlement<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Follows a direct settlement model; each transaction is processed individually.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Uses a deferred net settlement model; transactions are accumulated and settled in batches.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Transfer Limits<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Maximum transaction limit is Rs. 5 lakhs per transaction.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No maximum limit for NEFT, though banks may impose limits.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Transaction Charges<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Varies by bank; typically ranges from Rs. 2.5 to Rs. 25 per transaction, excluding GST.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Varies by bank; typically ranges from Rs. 2.5 to Rs. 50 per transaction, excluding GST, with no charges for online NEFT for savings accounts.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Use through NetBanking<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Log in, select IMPS, enter beneficiary\u2019s mobile number and <a href=\"https:\/\/razorpay.com\/learn\/what-is-mmid\/\">MMID<\/a>, amount, and confirm with a PIN or password.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Log in, select NEFT, enter beneficiary\u2019s name, account number, <a href=\"https:\/\/razorpay.com\/blog\/decoding-ifsc-codes-meaning-importance\/\">IFSC<\/a>, amount, and confirm with a PIN.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Use through Mobile Banking<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Use the mobile banking app to transfer money using mobile number, <a href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/\">MPIN<\/a> and MMID.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Use the mobile banking app to enter beneficiary details and confirm the transaction.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Mobile-based \/ P2P Payments<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Supports <a href=\"https:\/\/razorpay.com\/blog\/what-are-p2p-payments\/\">P2P payments<\/a> using only mobile number and MMID.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Does not support P2P payments; requires beneficiary&#8217;s bank details for transfers.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Transaction Modes<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Primarily an online mode via mobile, Internet banking, and <a href=\"https:\/\/razorpay.com\/learn\/what-is-atm\/\">ATMs<\/a>.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available both online and offline; can be done at bank branches or through ATMs.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h3><span style=\"font-weight: 400;\">Cross-Border Transfer<\/span><\/h3>\n<\/td>\n<td><span style=\"font-weight: 400;\">Does not allow cross-border transfers; funds can only be transferred within India.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allows one-way cross-border transfers to Nepal under the Indo-Nepal Remittance Facility Scheme, limited to Rs. 2 lakhs per transaction.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">It is worth mentioning that <a href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/\">RTGS vs NEFT<\/a> is another concept that you should be aware of for conducting <a href=\"https:\/\/razorpay.com\/learn\/what-is-online-transaction\/\">online transactions<\/a>.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_IMPS_Immediate_Payment_Service\"><\/span><b>What is IMPS (Immediate Payment Service)?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IMPS is a system that allows <a href=\"https:\/\/razorpay.com\/blog\/online-money-transfer\/\">online money transfers<\/a> between different banks using mobile devices, Internet banking and ATMs. It is available 24\/7 (even on holidays), ensuring that money is credited to the beneficiary&#8217;s account instantly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IMPS was launched by the Indian government in 2010 as a pilot project, and since then, many banks have joined the system.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Related Read: What is the IMPS Transfer Limit Per Day?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:332483,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:14277081},&quot;9&quot;:0,&quot;10&quot;:1,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;,&quot;19&quot;:0,&quot;21&quot;:0}\">\u00a0Related Read: <a href=\"https:\/\/razorpay.com\/learn\/imps-limit\/\">What is the IMPS Transfer Limit Per Day?<\/a><\/span><\/p>\n<p><strong>To use IMPS, you need to follow the below-given steps &#8211;<\/strong><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Connect to your bank&#8217;s mobile or Internet banking service and add the beneficiary&#8217;s details, such as name, account number, IFSC and mobile number.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the account from which you want to transfer money, enter the amount and confirm the transaction by clicking on the <a href=\"https:\/\/razorpay.com\/payment-links\/\">payment links<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You will receive an OTP on your registered mobile number, which you must enter to approve the transaction. You will also get a confirmation message with a unique transaction reference number.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">IMPS is a fast, secure and convenient way of transferring money, especially for small and urgent payments. It is also cheaper than other fund transfer modes, as the transaction charges are nominal. You can transfer any amount, even Re 1, to people using the same bank as yours, or a different bank.<\/span><\/p>\n<p><em><b>Related Read: <\/b><a href=\"https:\/\/razorpay.com\/learn\/sbi-imps-charges\/\"><b>SBI IMPS Charges 2025<\/b><\/a><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_NEFT_National_Electronic_Funds_Transfer\"><\/span><b>What is NEFT (National Electronic Funds Transfer)?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">NEFT is a system that allows fund transfers between accounts enabled for NEFT. It was initiated in 2005 and is maintained by the Reserve Bank of India (RBI). It operates through electronic messages and is available round-the-clock, 365 days of the year.<\/span><\/p>\n<p><strong>To use NEFT, you need to follow the below-given steps &#8211;<\/strong><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill out an application form with the details of the beneficiary and authorise the branch to debit your account and transfer the amount.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The branch then sends the message to its pooling centre, which forwards it to the NEFT Clearing Centre operated by the RBI.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Clearing Centre aligns the transactions bank-wise and makes accounting entries for the banks participating in the system. It then sends the messages to the destination banks, which credit the amount to the beneficiary\u2019s account.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">NEFT\u2019s money transfer features include safety, low cost, high reliability and faster fund movement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you understand what is IMPS and NEFT, let&#8217;s discuss the distinctions between them.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_One_Should_You_Choose_NEFT_or_IMPS\"><\/span><b>Which One Should You Choose: NEFT or IMPS?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When deciding between NEFT and IMPS for your fund transfer needs, consider the following factors:<\/span><\/p>\n<h3><b>1. Urgency of Transfer<\/b><span style=\"font-weight: 400;\">:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose IMPS<\/b><span style=\"font-weight: 400;\"> if you need to make an instant payment, especially outside regular banking hours, as it allows 24\/7 real-time transfers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose NEFT<\/b><span style=\"font-weight: 400;\"> if you can wait for the transaction to settle, as it processes transfers in batches and may take a few hours.<\/span><\/li>\n<\/ul>\n<h3><b>2. Transaction Amount<\/b><span style=\"font-weight: 400;\">:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose IMPS<\/b><span style=\"font-weight: 400;\"> for higher-value transactions (up to \u20b95 lakhs per transaction), making it suitable for urgent payments like bills or emergency expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose NEFT<\/b><span style=\"font-weight: 400;\"> if you are transferring larger amounts without a limit imposed by the bank, as it is suitable for large transactions made during banking hours.<\/span><\/li>\n<\/ul>\n<h3><b>3. Frequency of Transactions<\/b><span style=\"font-weight: 400;\">:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose IMPS<\/b><span style=\"font-weight: 400;\"> if you make frequent small-value payments or need to transfer money often, as it offers convenience and immediate processing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose NEFT<\/b><span style=\"font-weight: 400;\"> if your transactions are infrequent and can be planned during banking hours, making it more suitable for occasional large payments.<\/span><\/li>\n<\/ul>\n<h3><b>4. Cost Considerations<\/b><span style=\"font-weight: 400;\">:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose IMPS<\/b><span style=\"font-weight: 400;\"> if you require immediate funds transfer and are willing to pay slightly higher fees, which can range from \u20b92.5 to \u20b925, depending on the bank and transaction method.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose NEFT<\/b><span style=\"font-weight: 400;\"> if you prefer a cost-effective option for non-urgent transfers, especially since the RBI has removed service charges for online NEFT transactions for savings account holders.<\/span><\/li>\n<\/ul>\n<h3><b>5. Payment Method<\/b><span style=\"font-weight: 400;\">:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Choose IMPS<\/b><span style=\"font-weight: 400;\"> if you prefer mobile-based transactions or need to make peer-to-peer (P2P) payments using just mobile numbers and MMIDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b style=\"font-size: 19px;\">Choose NEFT<\/b><span style=\"font-weight: 400;\"> if you are comfortable entering bank details and prefer the option to complete transactions both online and offline.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Technology has had an immense impact on the way we bank today. Online fund transfers via IMPS and NEFT have eliminated the need to visit bank branches and wait in long queues. These electronic transfer methods allow you to transfer money using smartphones, NetBanking and ATMs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While IMPS is instant and available 24\/7, it has a maximum fund transfer limit of Rs. 5 lakhs per transaction. On the other hand, NEFT does not have an upper limit for fund transfers, but might take up to 2 hours for completion.<\/span><\/p>\n<p><b>Related Read: <\/b><a href=\"\u201chttps:\/\/razorpay.com\/learn\/imps-reference-number-tracking\/\u201d\"><b>What Is IMPS Reference Number and How Can You Track It?<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><b>Frequently Asked Questions<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. Which is better &#8211; IMPS vs NEFT?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on your need and purpose of transferring money. Both these services enable you to transfer money electronically from one bank to another.<\/span><\/p>\n<h3><b>2. Which is faster &#8211; IMPS or NEFT?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMPS is faster than NEFT as it transfers funds instantly. NEFT, on the other hand, takes some time as it settles funds in hourly batches.<\/span><\/p>\n<h3><b>3. Is IMPS transfer free?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No, IMPS transfer is not free. It involves a nominal charge that the respective bank decides. The charge typically ranges from Rs. 2.5 to Rs. 25, plus GST, per transaction. However, some banks may offer IMPS transfers for free as a promotional or value-added service.<\/span><\/p>\n<h3><b>4. What is the limit of NEFT and IMPS?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">There is no specific minimum limit for both NEFT and IMPS transfers. However, there is a difference in the maximum limit. IMPS transfers have a maximum limit of Rs. 5 lakhs per transaction, whereas NEFT transfers have no limit. You can transfer any amount using NEFT, except for cash-based remittances from India to Nepal, which have a limit of Rs. 2 lakhs per transaction.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Difference Between IMPS and NEFT The main difference between IMPS and NEFT lies in their transaction timing and processing: IMPS enables real-time transfers 24\/7, making it ideal for urgent payments, while NEFT processes transactions in batches during banking hours, typically settling them at the end of the day.\u00a0 IMPS generally allows higher transaction limits and<\/p>\n","protected":false},"author":86,"featured_media":16350,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[626,627,44,628],"class_list":{"0":"post-15861","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-imps","9":"tag-neft","10":"tag-online-payments","11":"tag-rtgs"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/15861","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\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=15861"}],"version-history":[{"count":20,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/15861\/revisions"}],"predecessor-version":[{"id":22032,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/15861\/revisions\/22032"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/16350"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=15861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=15861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=15861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}