How To Make UPI Payments Abroad: A Comprehensive User Guide

For years, Indian travellers abroad had to juggle cash, forex cards and international credit cards to manage their expenses. But things are finally changing. The Unified Payments Interface (UPI), which revolutionised the way we pay in India, is now going global. Imagine scanning a QR code at a cafe in Paris or a retail store in Singapore and paying instantly through your UPI app. With strategic partnerships across countries, UPI is steadily expanding its footprint in international markets. For Indian travellers, this means carrying the convenience of their bank account in their pocket. Here's a closer look at how UPI works abroad and where you can currently use it.

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What Is UPI (Unified Payments Interface)?

UPI is a real-time payment system developed by the National Payments Corporation of India (NPCI). It enables users to make instant, secure and seamless transactions between bank accounts using a mobile phone.

Key Features Of UPI:

• Instant Transfers: Money is transferred instantly between bank accounts.
• 24/7 Availability: UPI is available round the clock, every day of the year.
• Secure: Transactions are secured with encryption and two-factor authentication.
• Simple: Users can make payments using a virtual address (VPA) or QR code.
• Interoperable: UPI enables transactions between different banks and payment service providers.

Photo Credit: Pexels

How To Use UPI Abroad

Using UPI overseas is as simple as it is back home. Follow these steps:

• Download and set up a UPI-enabled app like Google Pay, PhonePe, Paytm, or BHIM, linked to your Indian bank account. To use UPI internationally, activate the UPI International feature within the app.
• Look for a UPI or partner QR code at the payment counter (e.g., PayNow in Singapore, Fonepay in Nepal).
• Scan the QR code through your app.
• Enter the amount and pay - the money is debited in INR, while the system manages currency conversion.
• Receive instant confirmation, just as you would in India.

Countries Where UPI Works Abroad

According to the National Payments Corporation of India (NPCI), UPI payments are currently active in several international destinations:

• Singapore - Linked with PayNow for smooth merchant payments and remittances.
• United Arab Emirates (UAE) - Accepted in malls, airports, supermarkets, and retail outlets through local tie-ups.
• Mauritius - Available at retail and tourist locations along with RuPay acceptance.
• Nepal - Integrated with Fonepay for cashless payments.
• France - First launched at the Eiffel Tower, now expanding to popular retail hubs.
• Bhutan - One of the first adopters, widely accepting UPI since 2021.
• Sri Lanka - Linked with LankaPay, available at shops and airports.

Photo Credit: Pexels

Is UPI Likely To Work In Other Countries Soon?

According to a report, the Reserve Bank of India plans to expand the Unified Payments Interface (UPI) to 20 countries by FY29. This initiative aims to enhance global digital payments, strengthen economic ties, and boost financial inclusion. The expansion is part of the RBI's broader goal to create a global impact by leveraging UPI's success.

UPI Abroad: What You Need To Know

1. Do You Need An International SIM To Use UPI Abroad?

No, but you do need an active internet connection (via Wi-Fi or roaming). The mobile number linked to your bank account should remain active for OTP verification if required.

2. Will UPI Payments Abroad Be Charged Extra?

While there are no additional charges for using UPI International, your bank may apply conversion fee that varies by bank and country. To see if your bank supports international UPI payments, visit the NPCI website for a list of participating banks.

3. Can NRIs Use UPI Abroad?

Yes, NRIs can use UPI if they have a Non-Resident External (NRE) or Non-Resident Ordinary (NRO) account linked to their UPI app and an Indian mobile number.

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4. Which UPI Apps Work Best Abroad?

Apps like Google Pay, PhonePe, Paytm, and BHIM work well, but acceptance depends on the local merchant's integration with UPI's partner network.

5. Is UPI Transaction Data Secure Abroad?

Yes, UPI transactions abroad are secured with encryption and two-factor authentication. Your data is protected by the same security protocols that apply to domestic transactions.

With UPI's global expansion, Indian travellers can now enjoy the convenience of seamless payments abroad, making international travel easier than ever.