UPI Is Not Just for India: Countries Where UPI Payments Are Expanding

Kokila Chokkanathan
UPI Goes Global

New delhi / International:
Unified Payments Interdata-face (UPI), India’s popular real-time payment system, is no longer limited to domestic transactions. Over the past few years, UPI has expanded its reach, allowing cross-data-border payments and usage in multiple countries.

Countries Where UPI Is Accepted

UPI has partnered with international payment networks and banks, enabling digital payments in these countries:

Singapore – Tourists and indian residents can make payments using UPI at partner merchants.

United Arab Emirates (UAE) – UPI transactions are enabled via select banks and fintech apps.

Nepal – Cross-data-border payments are facilitated between indian and Nepali bank accounts.

Bhutan – indian tourists and residents can pay using UPI-enabled apps.

United States & UK (Limited Availability) – Some fintech platforms allow UPI-based transfers to indian accounts from abroad.

Note: Adoption is increasing through partnerships with local banks, payment gateways, and fintech apps.

Advantages of Using UPI Internationally

Real-Time Transactions:

Payments are instant, even across data-borders, avoiding delays associated with traditional wire transfers.

Low Transaction Fees:

UPI payments are cost-effective, often cheaper than international card or bank transfers.

Ease of Use:

Users can pay using mobile apps like BHIM, google Pay, PhonePe, and Paytm without carrying cash.

Secure Payments:

UPI uses two-factor authentication and secure banking protocols, making transactions safe and reliable.

How to Use UPI Abroad

Ensure your UPI-enabled app supports international transactions.

Check if the merchant or bank accepts UPI QR codes or payment links.

Link your Indian bank account to the UPI app and verify international transaction permissions.

Scan the merchant’s QR code or use the app to pay.

Key Takeaways

  • UPI is gradually becoming a global payment solution, not just for indian users.
  • International travelers and businesses can now enjoy seamless, secure, and cost-effective transactions.
  • Adoption is expected to grow as more countries partner with India’s UPI network.
💡 Pro Tip: Before traveling, check with your UPI app and bank if international payments are enabled to avoid failed transactions.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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