{"id":774,"date":"2024-08-29T18:58:28","date_gmt":"2024-08-29T13:28:28","guid":{"rendered":"https:\/\/rzplearn.com\/?p=774"},"modified":"2025-05-02T15:56:18","modified_gmt":"2025-05-02T10:26:18","slug":"difference-between-neft-and-rtgs","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/","title":{"rendered":"NEFT vs RTGS: What is the Difference Between NEFT and RTGS?"},"content":{"rendered":"\r\n<p>Among the <a href=\"https:\/\/razorpay.com\/blog\/electronic-payment-system\/\">electronic payment systems<\/a> in India, NEFT and RTGS are two commonly used methods for <a href=\"https:\/\/razorpay.com\/blog\/online-money-transfer\/\">online money transfer<\/a>. Though both facilitate secure electronic transactions, they differ in key aspects such as processing speed, transaction limits, and suitability for various transfer needs.<\/p>\r\n<p>This article explains the difference between RTGS and NEFT, and their advantages and disadvantages.<\/p>\r\n\r\n\r\n\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ea17c94a4c8\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ea17c94a4c8\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#NEFT-vs-RTGS-What-is-the-Key-Difference\" >NEFT vs RTGS: What is the Key Difference?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#NEFT-vs-RTGS-Explained-in-Detail\" >NEFT vs RTGS: Explained in Detail<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Advantages-of-NEFT\" >Advantages of NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Advantages-of-RTGS\" >Advantages of RTGS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Disadvantages-of-NEFT\" >Disadvantages of NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Disadvantages-of-RTGS\" >Disadvantages of RTGS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#NEFT-vs-RTGS-Which-is-Faster\" >NEFT vs RTGS: Which is Faster?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#NEFT-vs-RTGS-Which-is-Better\" >NEFT vs RTGS: Which is Better?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/#Frequently-Asked-Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NEFT-vs-RTGS-What-is-the-Key-Difference\"><\/span>NEFT vs RTGS: What is the Key Difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>The key difference between NEFT and RTGS lies in their payment processing methods. NEFT is ideal for small value transactions that operate in batches while RTGS is used for high-value transactions that settle payments in real-time.<\/p>\r\n<p><strong>The key difference between their features also includes:<\/strong><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<h3><b>Feature<\/b><\/h3>\r\n<\/td>\r\n<td>\r\n<h3><b>NEFT<\/b><\/h3>\r\n<\/td>\r\n<td>\r\n<h3><b>RTGS<\/b><\/h3>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Transaction Limit<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p>There is no minimum value. However, the transaction amount should not exceed \u20b92 lakh.<\/p>\r\n<\/td>\r\n<td>\r\n<p>There is no maximum limit. However, the transaction amount should be above \u20b92 lakh.<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Transaction Charges<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Reserve Bank of India (RBI) does not mandate any transaction charges for NEFT, individual banks may impose their own fees.<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Only for RTGS transactions that take place in bank branches, the RTGS charges will be around (\u20b925 to \u20b950).<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Mode of Transfer<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Online banking, mobile banking apps, bank branches, and ATM<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Online banking, mobile banking apps, and bank branches<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Payment Process<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Batch-based payment process<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Individual transaction-based<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Transfer Timings<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Within two hours of the batch settlement<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Immediately<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><b>Operating Hours<\/b><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">24\/7, 365 days<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">24\/7, 365 days<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p>&nbsp;<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"NEFT-vs-RTGS-Explained-in-Detail\"><\/span>NEFT vs RTGS: Explained in Detail<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3>What is NEFT?<\/h3>\r\n<p data-sourcepos=\"5:1-5:90\"><a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT (National Electronic Funds Transfer)<\/a> is an electronic payment system operated by the Reserve Bank of India (RBI) that enables fund transfers between bank accounts. You can conveniently <a href=\"https:\/\/razorpay.com\/learn\/transfer-funds-neft\/\">transfer funds using NEFT<\/a> through online banking, mobile apps, or by visiting your bank branch.<\/p>\r\n<p data-sourcepos=\"7:1-7:155\">NEFT employs a net settlement system, meaning transactions are accumulated and processed in batches at half-hourly intervals throughout the day. This <a href=\"https:\/\/razorpay.com\/learn\/what-is-batch-processing\/\">batch processing<\/a> system contributes to its lower <a href=\"https:\/\/razorpay.com\/learn\/neft-payment-charges-method\/\">NEFT transaction charges<\/a> compared to real-time payment systems like RTGS.<\/p>\r\n<p data-sourcepos=\"9:1-9:71\">While there is no minimum or maximum amount limit for NEFT transactions, individual banks may impose their own charges for using the service. It&#8217;s advisable to check with your bank for any applicable fees.<\/p>\r\n<h3>What Details Do You Need for an NEFT Transfer?<\/h3>\r\n<p>The required details to transfer funds using NEFT include:<\/p>\r\n<ul>\r\n<li>Beneficiary&#8217;s full name<\/li>\r\n<li>Beneficiary&#8217;s bank name, account number ,and branch<\/li>\r\n<li>Beneficiary&#8217;s <a href=\"https:\/\/razorpay.com\/blog\/decoding-ifsc-codes-meaning-importance\/\">IFSC<\/a><\/li>\r\n<li>Transfer amount<\/li>\r\n<\/ul>\r\n<p>When you initiate a fund transfer, banks assign a unique <a href=\"https:\/\/razorpay.com\/learn\/what-is-utr-number\/\">UTR (Unique Transaction Reference)<\/a> that can be used to check the NEFT status.<\/p>\r\n<h3>What is RTGS?<\/h3>\r\n<p><a href=\"https:\/\/razorpay.com\/learn\/rtgs\/\">RTGS (Real Time Gross Settlement)<\/a> is an electronic payment system for high-value and time-sensitive transactions. It processes funds transfers instantly on a one-to-one basis without batching. Instant settlement reduces the risk of <a href=\"https:\/\/razorpay.com\/blog\/online-payments-failure-reasons\/\">online payment failures<\/a> but requires more liquidity from banks.<\/p>\r\n<p>You can <a href=\"https:\/\/razorpay.com\/learn\/transfer-funds-using-rtgs\/\">transfer funds through RTGS<\/a> via online banking or bank branches. While there is no maximum limit on fund transfer amount, the minimum transaction limit is \u20b92 lakh. <a href=\"https:\/\/razorpay.com\/learn\/what-are-rtgs-charges\/\">RTGS charges<\/a> are capped at \u20b950 for transfers exceeding \u20b95 lakh. Though fund transfers take place 24&#215;7, 365 days, different banks have exception hours in their <a href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/\">RTGS timings<\/a>.<\/p>\r\n<h3>What Details Do You Need for an RTGS Transfer?<\/h3>\r\n<p>The required details to transfer funds using RTGS include:<\/p>\r\n<ul>\r\n<li>Beneficiary&#8217;s full name<\/li>\r\n<li>Beneficiary&#8217;s <a href=\"https:\/\/razorpay.com\/learn\/bank-account-number\/\">bank account number<\/a> and branch<\/li>\r\n<li>Beneficiary&#8217;s IFSC<\/li>\r\n<li>Transfer amount<\/li>\r\n<li>Purpose of remittance<\/li>\r\n<\/ul>\r\n<p>RTGS system assigns a Unique Transaction Reference (UTR) to identify the transactions. You can use this number to perform an<a href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/\"> RTGS status check<\/a>.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages-of-NEFT\"><\/span>Advantages of NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3><strong>1. Cost-effective<\/strong><\/h3>\r\n<p>NEFT transactions are cost-effective for smaller amounts as there are no or minimal charges for fund transfers.\u00a0<\/p>\r\n<h3><strong>2. Wide accessibility<\/strong><\/h3>\r\n<p>You can transfer the funds using NEFT through various methods like net banking, mobile banking apps, and bank branches.<\/p>\r\n<h3><strong>3. No lower limit<\/strong><\/h3>\r\n<p>Unlike RTGS, NEFT does not have a minimum transaction limit.<\/p>\r\n<h3><strong>4. Suitable for various transaction types<\/strong><\/h3>\r\n<p>You can use NEFT for a wide range of transactions like personal transfers, bill payments, and business transactions.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages-of-RTGS\"><\/span>Advantages of RTGS<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3><strong>1. Instant fund transfer<\/strong><\/h3>\r\n<p>RTGS is a real-time, immediate transfer of funds between banks. This is ideal for high-value and time-sensitive transactions.<\/p>\r\n<h3><strong>2. No upper limit<\/strong><\/h3>\r\n<p>Unlike other electronic payment systems such as IMPS and <a href=\"https:\/\/razorpay.com\/blog\/what-is-upi-and-how-it-works\/\">UPI<\/a>, RTGS has no maximum RTGS limit per day.<\/p>\r\n<h3><strong>3. Low in risk<\/strong><\/h3>\r\n<p>RTGS transactions are settled individually and not batch-wise. Hence, the risk of payment default or system-wide issues is minimal.\u00a0<\/p>\r\n<h3><strong>4. Helps to improve the liquidity of your business<\/strong><\/h3>\r\n<p>The real-time nature of RTGS allows increased liquidity for your business, as funds are available for use immediately after transfer.<\/p>\r\n<h3><strong>5. Suitable for large-value transactions<\/strong><\/h3>\r\n<p>RTGS is useful for businesses dealing with large sums of money on a regular basis.<\/p>\r\n<h3><strong>6. Immediate confirmation<\/strong><\/h3>\r\n<p>RTGS provides immediate confirmation of successful transactions.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Disadvantages-of-NEFT\"><\/span>Disadvantages of NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3>1. Delay in processing the transaction<\/h3>\r\n<p>NEFT transactions are processed in batches. This leads to delayed payments to concerned parties where fund transfers are required instantly.<\/p>\r\n<h3>2. Additional transaction charges<\/h3>\r\n<p><a href=\"https:\/\/www.rbi.org.in\/commonman\/English\/Scripts\/FAQs.aspx?Id=274#:~:text=No%20levy%20of%20charges%20by,have%20been%20capped%20by%20RBI.\" target=\"_blank\" rel=\"noopener\">As per the RBI<\/a>, there are no transaction charges for savings bank account NEFT transactions. However, some banks may charge additional fees for NEFT transactions.<\/p>\r\n<h3>3. Limited by transaction limits<\/h3>\r\n<p>Banks like the Central Bank of India restrict NEFT transfers to half-hourly slots between 9 AM and 8 PM, Monday through Friday.<\/p>\r\n<h3>4. Limited use for e-commerce platforms<\/h3>\r\n<p>Many online shopping platforms prefer instant <a href=\"https:\/\/razorpay.com\/blog\/different-types-of-payment-methods\/\">payment methods<\/a>. This makes NEFT less convenient for <a href=\"https:\/\/razorpay.com\/learn\/what-is-ecom-transaction\/\">e-commerce transactions<\/a>.<\/p>\r\n<h3>5. Cool-off period<\/h3>\r\n<p>You need to wait for at least 30 min to 4 hours after adding the new beneficiary. Only post the cool-off period, you can make the fund transfer to the added beneficiary.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Disadvantages-of-RTGS\"><\/span>Disadvantages of RTGS<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3>1. Higher transaction costs<\/h3>\r\n<p>RTGS incurs higher charges compared to other electronic payment systems like NEFT or IMPS. This makes it less cost-effective for smaller transactions.<\/p>\r\n<h3>2. Minimum transfer limit<\/h3>\r\n<p>RTGS transfers have a minimum transfer amount limit of \u20b92 lakh. This is too high for everyday personal banking needs.<\/p>\r\n<h3>3. Lack of payment scheduling<\/h3>\r\n<p>RTGS system doesn&#8217;t allow fund transfer for future dates or <a href=\"https:\/\/razorpay.com\/blog\/what-is-recurring-billing\/\">recurring payments<\/a>. This creates inconvenience if you need to make regular payments to the concerned parties.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"NEFT-vs-RTGS-Which-is-Faster\"><\/span>NEFT vs RTGS: Which is Faster?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>When comparing the speed of RTGS vs NEFT, RTGS takes the lead. RTGS processes transactions instantly. This makes it the faster option for high-value, time-sensitive transfers. On the other hand, NEFT operates in batches, with transactions processed in half-hourly intervals.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"NEFT-vs-RTGS-Which-is-Better\"><\/span>NEFT vs RTGS: Which is Better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>The choice between the two depends on the urgency and value of the transaction. For large, urgent transfers where immediate settlement is important, you can choose the RTGS mode of fund transfer. However, for lower-value transactions where slight delays are acceptable, NEFT is suitable and cost-effective.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>NEFT and RTGS are nationwide electronic payment systems with their unique advantages and use cases. NEFT is ideal for smaller transactions and everyday banking needs. It&#8217;s cost-effective and widely accessible. While, RTGS is ideal for high-value, time-sensitive transactions. Additionally, RTGS offers improved liquidity, it comes with higher <a href=\"https:\/\/razorpay.com\/learn\/what-are-transaction-costs\/\">transaction costs<\/a> and a minimum transfer limit. Understanding the difference between RTGS and NEFT allows you to select the appropriate method for your specific financial needs.<\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3>1. Should I use NEFT or RTGS for a \u20b92 lakh transaction?&#8221;<\/h3>\r\n<p>Choose NEFT if you prioritize lower fees and don&#8217;t need an immediate transfer. Choose RTGS if you prioritize the funds to be transferred quickly and are willing to pay slightly higher fees.<\/p>\r\n<h3>2. Which is the cheaper method between NEFT and RTGS?<\/h3>\r\n<p>NEFT is cheaper for everyday transactions like paying bills, transferring rent, or sending money to friends or families. However, these transactions should typically not exceed INR 2,00,000.<\/p>\r\n<h3>3. When should I use NEFT and when should I use RTGS?<\/h3>\r\n<p>Use NEFT for smaller transactions (up to INR 2,00,000 lakh), non-time-sensitive transfers, and 24\/7 availability. This is ideal for rent or bill payments. Choose RTGS for larger amounts (above INR 2,00,000 lakh) and time-sensitive transfers.<\/p>\r\n<h3>4. Which is the preferred option for large-scale transfers, NEFT or RTGS?<\/h3>\r\n<p>RTGS is preferred for large-scale transfers, exceeding INR 2,00,000.<\/p>\r\n<h3>5. Are NEFT and RTGS secure?<\/h3>\r\n<p>Yes, NEFT and RTGS are secured electronic fund transfer systems by the RBI. They use encrypted channels and require multiple layers of authentication.\u00a0<\/p>\r\n<h3>6. Which method offers faster transfers, NEFT or RTGS?<\/h3>\r\n<p>Real-Time Gross Settlement (RTGS) is faster than National Electronic Funds Transfer (NEFT).<\/p>\r\n<h3>7. Is it possible to schedule future transactions with NEFT and RTGS?<\/h3>\r\n<p>RBI does not provide <a href=\"https:\/\/razorpay.com\/learn\/what-is-payment-schedule\/\">payment schedule<\/a> feature in NEFT and RTGS to schedule the transactions for future.\u00a0If you need to schedule future payments, you might consider using other banking services or financial applications that offer this functionality. These services often integrate with NEFT or RTGS.<\/p>\r\n<h3>8. Can NEFT and RTGS be used for international transfers?<\/h3>\r\n<p>No,\u00a0NEFT and RTGS are not designed for international fund transfers. It is only suitable for domestic payment systems used within India. For sending money abroad, you can use other methods such as SWIFT (Society for Worldwide Interbank Financial Telecommunication) and <a href=\"https:\/\/razorpay.com\/blog\/a-comprehensive-guide-to-international-wire-transfers\/\">wire transfers<\/a>, etc.<\/p>\r\n<h3>9. Are there any alternatives to NEFT and RTGS for fund transfers?<\/h3>\r\n<p>The alternative to NEFT and RTGS is <a href=\"https:\/\/razorpay.com\/learn\/what-is-imps\/\">IMPS (Immediate Payment Service)<\/a>, which offers instant 24\/7 transfers through online payment methods like UPI (Unified Payments Interface), <a href=\"https:\/\/razorpay.com\/learn\/mobile-wallet\/\">mobile wallets<\/a>, and traditional methods like demand drafts or cheques.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Both RTGS and NEFT have their strengths. Let&#8217;s understand these strengths and decide which mode to use and most importantly, when.<\/p>\n","protected":false},"author":151156456,"featured_media":576,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[3958],"class_list":{"0":"post-774","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-neft-and-rtgs"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156456"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=774"}],"version-history":[{"count":21,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/774\/revisions"}],"predecessor-version":[{"id":17169,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/774\/revisions\/17169"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/576"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}