Indian Payments Ifrastructure
by Osborne Saldanha
1. Payment Gateways
1.1. Gift / Loyalty Cards
1.1.1. Semi Closed Wallets
1.2. Citrus
1.3. CCAvenues
2. Regional Rural Banks
3. Shamrao Vithhal Co-operative Bank
4. Mastercard
5. Banks
5.1. Federal Bank of India
5.2. Euronet Service
5.2.1. Direct Operator Billing
5.2.1.1. Yippster
6. Closed Wallets
7. SREI Infrastructure Finance
8. ATM Networks
8.1. Bank of India
8.1.1. Tata Communication Payment Solutions
8.2. White Label ATM's
8.2.1. Radio Frequency ID
8.2.2. Hitachi Payment Services
8.2.2.1. Offline
8.2.2.1.1. Vakrangee
8.2.2.1.2. Point of Sale Devices
8.2.2.1.3. Phone / IVR
8.2.2.1.4. SMS
8.2.2.1.5. Fortumo
8.2.2.1.6. Diners Club
8.2.3. Muthoot Finance
8.2.4. Prizm
8.2.5. National Financial Switch
8.2.6. Punjab National Bank
9. Sound Wave-based
10. Commercial Banks
11. State Bank of India
11.1. ToneTag
12. Semi Open Wallets
13. Radio Wave-based
13.1. National Automated Clearing House
13.2. National Electronic Funds Transfer (NEFT)
13.3. Credit/Debit Card Networks
14. Credit/Debit Card
14.1. ApplePay
14.2. Acquiring Bank
15. Netbanking
16. Banking Systems
16.1. Unified Payments Interface
16.2. Electronic Clearance Service (ECS)
17. Riddhi Siddhi Bullions
18. Near Field Communication
19. National Payments Corporation of India (NPCI)
19.1. Real Time Gross Settlement (RTGS)
19.1.1. Payment Banks
19.1.2. Scheduled Banks
19.1.3. Non-Scheduled Banks
19.1.4. Co-operative Banks
20. Magnetic Wave-based
21. Cheques
22. BTI Payments
23. Online
23.1. Issuing Bank
23.1.1. Open Wallets
23.2. Email
23.2.1. PayU Money
23.2.1.1. Prepaid Instruments
23.2.1.1.1. Wallets