> Rupay is a failure with a market share of 0.34%[3] (in comparison UPI is at 37.73%), in spite of having ZERO MDR on debit transactions[4]. Rupay's failure is

> Rupay is a failure with a market share of 0.34%[3] (in comparison UPI is at 37.73%), in spite of having ZERO MDR on debit transactions[4]. Rupay's failure is because of zero MDR, not in spite of it.