UPI can work at select merchant locations overseas, but acceptance is not universal. Before relying on it, confirm that your destination, bank account and UPI app are supported; activate the international-payment feature if available; and check the merchant and final amount before entering your UPI PIN. Keep your registered phone access secure and carry another way to pay.
Can you use UPI when traveling abroad?
NPCI describes UPI Global Acceptance as a way to pay by scanning QR codes at select international merchant locations. It does not mean UPI works at every merchant or in every country. Check NPCI’s UPI Global Acceptance information and your bank’s and app’s current guidance for your exact destination and account before departure.
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Do not confuse overseas merchant payments with support for international mobile numbers. NPCI’s separate live-members list concerns supported country codes, banks and apps for international-number linkage, a capability associated with eligible NRE/NRO accounts and subject to bank terms. It is not a definitive list of places where a traveler can pay merchants using an Indian mobile number.
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Prepare your account and phone before you leave
- Confirm the exact payment combination. Check that your destination and intended merchant type are supported, and that your own bank and UPI app offer the feature for the account you plan to use. Availability, participating providers and terms can change.
- Activate the international payment feature. If your app offers UPI Global or UPI International, enable it for the relevant bank account by following the app’s instructions. Do this before travel so you can resolve setup problems at home.
- Ask about authentication and connectivity. Check with your bank or app whether you need your registered Indian SIM active, SMS access, roaming, or another verification step. NPCI’s published guidance does not establish one roaming rule for all users, banks or apps.
- Protect the device and account. Use your phone’s screen lock, keep the UPI PIN private, and avoid leaving an unlocked phone unattended. These are basic device-security practices; they do not guarantee that UPI will be available or protect against every kind of fraud.
- Bring a backup payment method. Because overseas acceptance is selective, have another way to pay if a merchant, connection or app does not work.
Pay safely at an overseas merchant
- Check that the merchant accepts UPI. Look for a BHIM UPI or network-partner acceptance mark and ask the merchant before scanning. An acceptance sign is a useful check, not a guarantee that your particular bank and app will complete the payment.
- Scan only the merchant’s payment QR. Before authorizing, inspect the merchant details and the final amount shown in both the foreign currency and Indian rupees. Review any displayed exchange rate and fees. NPCI’s international payment instructions tell users to verify the final amount in both currencies and applicable exchange rates or fees.
- Enter your UPI PIN only for a payment you intend to make. If the merchant name or amount is wrong, unclear or unexpected, stop and ask the merchant to resolve it before authorizing.
- Wait for confirmation. Check the in-app status and payment notifications. Keep the transaction reference in case you need to follow up about a payment.
Recognize common UPI fraud attempts
A UPI PIN authorizes a payment; it is not needed to receive money. Treat unsolicited instructions to scan a QR code and enter your PIN to get a refund, cashback, reward or incoming payment as a warning sign. Do not follow unfamiliar links, install apps at a stranger’s suggestion, or let someone else operate your payment app.
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- SECURE YOUR WALLET FROM e-PICKPOCKETING: Prevent potential identity and financial theft through your contactless cards. This is the simplest and most effective prevention solution! Block RFID and NFC signals, protect your personal information, and enjoy peace of mind wherever your travels or business take you.
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- TEST THE CARD: Test the card is working at your local supermarket. At the self-service checkout machines, combine the card and a contactless card on the payment reader. Payment with the contactless card will be blocked and an error message should occur on the reader.
Never disclose your PIN, including to anyone claiming to be bank or app support. NPCI’s UPI FAQ says, “Please do not share your UPI-PIN with anyone,” and states that customer support will never ask for it. If you need help, contact your bank or app using a channel you independently know to be official.
If your phone or SIM is lost, changed or compromised
If your phone is lost or stolen
Contact your bank promptly and ask what action it recommends to secure your account. Contact your mobile operator to block the linked number or SIM as appropriate. NPCI’s FAQ advises users who lose a phone to block the mobile number and contact the bank.
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If you replace your SIM, phone or UPI app
Do not assume your UPI registration will carry over unchanged. NPCI says a change of SIM, handset or PSP app can require re-registration. Check your bank’s or app’s current process before making the change, especially if you are relying on UPI while traveling.
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If a payment is pending, failed or disputed
Check the transaction status in your app and use the participating bank’s UPI app to raise a grievance or check the status, as NPCI’s FAQ describes. If money was debited but the merchant has not confirmed payment, contact the bank through its official channel. Do not call a number or open a link supplied by an unsolicited caller or message.
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- HIDDEN MONEY BELT FOR TRAVEL – Slim Concealed Passport Holder Under Clothes: At just 0.2" thick, this slim hidden money belt for travel stays invisible under a t-shirt or dress shirt – a concealed passport holder, undercover money belt, and discreet body wallet contoured for men's and women's body shapes. In multiple discreet colors to match any wardrobe, it keeps cash, cards, and travel documents hidden in airports, hotels, crowded markets, tourist attractions, and public transportation.
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What to verify before depending on UPI abroad
- The destination and merchant accept the relevant UPI payment network.
- Your exact bank account and UPI app support international merchant payments, and the feature is enabled.
- You know whether your provider requires the registered SIM, SMS access, roaming or other authentication.
- The merchant identity, final amount in both currencies, exchange rate and any fees are clear before you enter your PIN.
- You have another payment method if UPI is not accepted or cannot be used.
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