RuPay charges transaction processing fees that are approximately 23% lower than those charged by Visa and Mastercard.[75] The NPCI charges a flat-fee per transaction of 60 paise from acquiring bank and 30 paise from the card issuing bank. For example, if a customer made a transaction with their RuPay card at a POS terminal operated by another bank, then the customer's bank (the bank that issued the card) would pay 30 paise to the NPCI while the bank that operates the POS terminal (the acquiring bank) would pay 60 paise to the NPCI.[79]