在印度的UPI系统中,在小企业和农村收养的推动下,2025年的Q3交易额达到593亿笔,借记卡使用率下降了22%。 India's UPI system saw 59.3 billion transactions in Q3 2025, driven by small businesses and rural adoption, with debit card use dropping 22%.

印度的UPI系统在2025年3月处理了593.3亿笔交易,年同比增长33.5%,交易价值达到74.84亿卢比。 India’s UPI system processed 59.33 billion transactions in Q3 2025, a 33.5% year-on-year rise, with transaction value reaching Rs 74.84 lakh crore. 在小企业、农村地区和运输枢纽的收养驱动下,活跃的UPI QR码达到7.09亿个。 Active UPI QR codes hit 709 million, driven by adoption in small businesses, rural areas, and transport hubs. 个人对机械的付款猛增35%,超过了人对人转账的速度,而平均交易价值下降到1 262卢比,表明越来越多地用于小型日常采购。 Person-to-merchant payments surged 35%, outpacing person-to-person transfers, while average transaction value fell to Rs 1,262, signaling increased use for small, everyday purchases. 借记卡使用率下降了22%,因为消费者转向UPI,尽管信用卡发放率上升8%。 Debit card usage dropped 22% as consumers shifted to UPI, despite credit card issuance rising 8%. PoS终端的增长率为35%,达到1 212万个,由私人银行牵头进行QR部署。 PoS terminals grew 35% to 12.12 million, with private banks leading QR deployments. 预计到2025年底,可互操作的QR系统将扩大到医疗保健、燃料和公用事业。 Interoperable QR systems are expected to expand into healthcare, fuel, and utilities by late 2025.