I am a user of rupay.its not so helpfull .its not valid everywhere.i am a user of online shoping so I have to pay by credit card but its not acceptable everywhere.i not getting any benefit of rupay.some 5 stars hotels also not accept the payment by rupay credit card.i want to change.so suggest me something better then rupay which is exceptable everywhere.on some sites net banking is also not available by rupay.this is so useless.i am so dis appointed.suggest me something better.