RuPay's parent organisation, the National Payments Corporation of India (NPCI), has been backed by 10 leading banks. Of these are 6 public-sector banks: State Bank of India, Bank of Baroda, Punjab National Bank, Canara Bank, Union Bank of India, and Bank of India; 2 private-sector banks: ICICI Bank and HDFC Bank; and 2 foreign banks: Citibank and HSBC.[72] Banks in India are authorised to issue RuPay debit cards to their customers for use at ATMs, PoS terminals, and e-commerce websites.