IRCTC to launch its own Payment Gateway ‘iPay’ in August – Details Here!

Payment Gateway iPay: IRCTC announced that its own payment aggregator IRCTC-iPay will be available on by August 18. iPay gets PCI-DSS certification!

NEW DELHI: As you book train tickets on the website or mobile app of IRCTC (Indian Railways Catering and Tourism Corporation), you will soon not need any third party vendor’s bank card or cash wallet because IRCTC is set to launch its own payment aggregator known as IRCTC-iPay. In a tweet shared on Wednesday, IRCTC announced that its own payment aggregator IRCTC-iPay will be available by August 18, which is nearly two months from now.

The tweet also hints that IRCTC has already completed all the regulatory formalities in run up to the official launch in August.

The PCI-DSS (Payment Card Industry Data Security Standard) certificate has been granted to IRCTC, mentioned the tweet. The IRCTC iPay provides all payment options such as Credit Card, Debit Card, International Card, Auto Debit, UPI, Wallets etc.

The Payment Card Industry Data Security Standard (PCI DSS) applies to entities that accept credit card payments. If a company or service provider intends to accept card payment, and store, process and transmit cardholder data, then it needs to host data securely with a PCI compliant hosting provider.

It is noteworthy that one can also use BHIM app to buy train tickets via IRCTC. This facility was introduced in December last year.

PCI DSS certification would also ensure that the data is safe and communication between different servers take place in a secured manner. The back-end support will be provided by Delhi and Bengaluru based MMAD communications, which is the IRCTC’s technology partner, said reports. IRCTC’s payment gateway may give sriff competition to payment firms such as Razorpay, Mobikwik and Paytm, who currently power IRCTC’s railway ticket booking transactions through their gateways.

SBI (State Bank of India) card

Besides iPay, IRCTC also offers IRCTC SBI card that enables customers to get up to 10 per cent value back on AC1, AC11, CC booking as SBI Card Travel Reward Points for ticket purchases at

Through the IRCTC SBI Platinum Card, you can shop, dine, travel on your and earn one reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at Customers can redeem all their reward points on against railway ticket purchases (s).

How to apply for IRCTC SBI Platinum Card

Customers need to send an SMS typing “RAIL” to 56767. After that, a representative from SBI will contact him/her. You can also visit “Apply Now” section of to apply for this card.

IRCTC has been running special travel packages and trains across domestic and international destinations. One can explore IRCTC Tourism’s Buddhist Circuit Special Train package that includes an eight-day long itinerary, to places such as Bodhgaya, Nalanda, Rajgir, Varanasi, Samath, among others. One can also plan a six-day trip to Russia or five day tour to Andaman or a six-day tour to Bhutan.