What is IMPS, NEFT, and UPI, and which does Kangaroo Service use?
Kangaroo Service uses both IMPS/NEFT and UPI to deliver funds to bank accounts in India.
IMPS — Immediate Payment Service. IMPS is a 24×7 interbank electronic fund transfer service launched by the National Payments Corporation of India in 2010. It allows funds to move instantly between banks across India via mobile, internet, and ATM channels — safe, economical, and available outside normal banking hours.
NEFT — National Electronic Funds Transfer. NEFT is an electronic payment system developed by the Reserve Bank of India (RBI) to enable customers to transfer funds between banks in India. It is a secure, reliable, and economical system for interbank fund transfers.
UPI — Unified Payments Interface. UPI powers multiple bank accounts in a single mobile application from any participating bank, merging several banking features, seamless fund routing, and merchant payments. It also supports peer-to-peer collect requests that can be scheduled and paid on the recipient's convenience.
A note on UPI for cross-border transfers. UPI is extremely popular for domestic transfers in India, but not every beneficiary bank supports cross-border remittance via UPI. Your beneficiary should confirm with their bank whether cross-border UPI credits are accepted. In some cases, even when a bank technically supports cross-border UPI, individual transactions can still be rejected for compliance or other reasons.
We also can't tell from a UPI Virtual Payment Address (VPA) alone which underlying bank holds the account — for example, a Paytm VPA might link to HDFC, ICICI, or any other participating bank. If you're unsure, sending to a regular bank account using IFSC + account number is the most reliable option.
You can verify an IFSC code using our IFSC lookup tool.