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UPI can work for payments at select overseas merchants, but it is not accepted everywhere. Before relying on it abroad, confirm that your destination, bank account and specific UPI app are supported, activate the international-payment feature if available, and check every payment carefully before entering your UPI PIN.
Will UPI work when you travel abroad?
Sometimes. NPCI describes UPI Global Acceptance as a way to pay at select international merchant locations by scanning an accepted QR code. Availability depends on the merchant and the bank account and app you use; it is not a guarantee that UPI will work at every shop or throughout a country. Check NPCI’s UPI Global Acceptance information and your bank or app’s current guidance before departure.
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Do not treat NPCI’s list of banks and apps supporting international mobile-number linkage as a list of countries or merchants where you can pay. That is a separate NRI-related capability for international mobile numbers linked to NRE/NRO accounts, subject to supported apps, banks and bank terms. See the NPCI guidance for NRI UPI users and its live list of supported members for that feature.
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What to check before you leave
- Confirm the exact combination. Check whether the destination and the merchants you expect to visit accept UPI, and whether your specific bank and UPI app support the international merchant-payment feature. NPCI’s live acceptance information can change.
- Activate the feature for the right account. If your app offers UPI Global or UPI International, follow its instructions to enable it for the bank account you intend to use. NPCI says activation is required for the specified account through a UPI-powered app.
- Ask about mobile access and authentication. Confirm with your bank or app whether your Indian SIM must remain active, whether SMS access or roaming is needed, and what authentication steps apply. NPCI’s guidance does not establish one universal roaming requirement.
- Keep access to your registered phone secure. Use your phone’s screen lock and do not share your UPI PIN. A charged phone helps keep the app available, but neither a power bank nor a screen lock is a UPI-specific security guarantee.
- Carry another way to pay. Select acceptance means UPI may not be available at a particular merchant, even if the feature is enabled.
How to 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 if you are unsure.
- Scan only the merchant’s payment QR. Before approving, verify the merchant details and the final amount shown in both the foreign and Indian currencies. Review any displayed exchange rate and fees. Stop if the merchant, amount or conversion information is wrong or unclear. NPCI’s international payment instructions call for checking these details.
- Enter your PIN only to authorize the payment you intend to make. The UPI PIN authorizes a payment; it is not needed to receive money. Do not enter it to claim a reward or cashback, unlock a refund, or accept help from a stranger. NPCI says, “Please do not share your UPI-PIN with anyone,” and says customer support will never ask for it. Review NPCI’s UPI safety FAQ.
- Confirm the result in the app. Wait for the in-app status and payment notification. Keep the transaction reference in case you need to follow up.
Recognize common UPI scam signals
A request to scan a QR code and enter your PIN to receive money, cashback or a refund is a warning sign: the PIN is used to authorize a payment. Be cautious of unexpected links, unfamiliar apps, and callers or messages offering urgent account help. Never share your PIN with someone claiming to be bank or app support; use contact details from the official bank or app instead. NPCI’s fraud-awareness guidance covers deceptive links and social engineering.
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SaiTech IT 5 Pack RFID Blocking Card for Credit Debit ID Card, Black
- 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.
- JAMMING CHIP: An antenna and jamming chip makes up the main components of the card. The antenna will sense incoming radio waves and draw power for the chip to create a jamming signal. Lifetime usage as the card does not require battery.
- BROAD WORKING DISTANCE: With a 2.4” working distance, your entire wallet stays protected. The premium RFID blocking card helps secure cards within 1.2” on either side, providing reliable protection against electronic pickpocketing.
- ULTRA-THIN & COMPACT: At the size of a standard credit card and at only 0.03” thick, the card will fit into any wallet, purse or card case. Keep your wallet compact with no added bulk from this card. Best for travel, business, and everyday use.
- 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.
If your phone or SIM is lost, changed or compromised
- If the phone is lost, act promptly. Contact your bank through an official channel and ask what steps are needed to secure the account. Contact your mobile operator to block the linked number or SIM as appropriate. NPCI’s FAQ advises contacting the bank and blocking the mobile number after phone loss.
- Do not assume a SIM or handset change leaves UPI untouched. NPCI says changing the SIM, handset or PSP app can require UPI re-registration. Check your bank or app’s current process before replacing a SIM or switching phones while abroad.
- For a pending, failed or disputed payment, check the app first. If money was debited but the merchant has not confirmed receipt, check the transaction status and raise a grievance through the participating bank’s UPI app. Use official bank channels, not numbers or links sent by an unsolicited caller or message.
Keep overseas payment acceptance and mobile-number support separate
For an Indian account holder paying an overseas merchant, the relevant service is UPI Global Acceptance: QR payments at participating locations, after activation for the relevant bank account. NRI support for an international mobile number linked to an NRE/NRO account is a different capability. Its supported country codes and bank/app combinations do not establish where overseas merchants accept UPI. Verify each capability against its own current NPCI and provider information.
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VENTURE 4TH Travel Money Belt, RFID Blocking Passport Holder - Black
- 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.
- RFID-BLOCKING ANTI-THEFT TRAVEL WALLET – Digital Pickpocket Protection: Multi-layer RFID blocking fabric shields your passport, contactless credit cards, and ID at the 13.56 MHz frequency targeted by skimmers – yet your cards scan normally once removed. As both an anti-theft travel wallet and anti-pickpocket money belt, it stops digital pickpocketing in airport security lines, train stations, and crowded tourist hotspots – safer than a back pocket, exposed wallet, or open shoulder bag.
- SPACIOUS PASSPORT & TRAVEL MONEY POUCH – Organized Travel Passport Holder: Two zippered pockets with inner mesh dividers form a travel passport holder and passport pouch for travel – holding a US or international passport, up to 10 credit cards, multiple currencies in folded cash, and a smartphone up to 6.9" (fits iPhone 15 / 16 / 17 Pro Max). Slim as a travel wallet under clothes, quick-access zippers open without removing it – a lightweight travel money pouch that beats neck pouches and hotel safes.
- COMFORTABLE & DURABLE TRAVEL BELT WALLET – N0-Slip Secure Fit: Soft moisture-wicking mesh stops sweat and skin irritation in humid heat, while 210D water-resistant ripstop nylon keeps your passport and phone dry in rain and splashes (not submersible) – hand wash and air dry. The adjustable elastic waistband fits 29"–58" waists; a locking side-release clip stays bounce-free and won't trigger metal detectors. At 0.26 lbs, this lightweight money belt suits summer, winter, and year-round travel.
- LIFETIME GUARANTEE & TRUSTED TRAVEL SECURITY – #1 Trravel Companion for Men and Women : Every VENTURE 4TH money belt carries our Lifetime Replacement Guarantee, trusted by 9,000+ 5-star travelers. With its slim 0.2" profile and multi-layer RFID shielding, this hidden waist wallet beats bulky fanny packs, uncomfortable neck pouches, and hotel safes left behind. If anything goes wrong with your travel passport holder or anti-theft money belt, we'll replace it – no questions asked.
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Travelambo Front Pocket Minimalist Leather Slim Wallet RFID Blocking Medium Size(Litchi Lavender)
- FUNCTIONALITY: Our RFID wallet not only offers security, it's also very functional. It features 6 card slots for you to place your most frequently used cards
- RFID BLOCKING TESTED & APPROVED BY INDEPENDENT LAB TESTS: Our wallets have been tested for 13.56 MHz Frequency in which our credit cards, debit cards, driver license and ID cards operate. please note that this wallet can't block some 142 kHz card signals
- ENHANCES PERSONAL SECURITY: We leverage top RFID technology to block RFID signals used to electronically scan your wallet as someone passes by unnoticed. This keeps your vital information in driver license, debit cards and credit cards from being stolen
- SUPER MINIMALIST & SLIM: Only 0.12" thick; Sizing 3.3" x 4.1" x 0.12"; extremely convenient to be carried around in your front or back pocket.
- UNISEX DESIGN: Appreciated by both men and women, these RFID slim wallets for men and women feature a sleek design and smooth leather, making them popular minimalist wallets for all. They're a perfect gift for the globetrotters in your life
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HERO Neck Wallet - RFID Blocking Passport Holder, Easy to Conceal Travel Pouch (Army Grey)
- LIFETIME REPLACEMENT GUARANTEE – We individually test every HERO Neck Wallet in the USA before shipping. And every order comes backed by our lifetime replacement guarantee. If anything ever goes wrong we will send you a replacement absolutely free!
- HANDS-FREE TRAVEL POUCH – Our ultimate universal travel neck wallet conceals passports, IDs, credit cards, cash, iPhones (incl. 17 Pro Max without a bulky case), tickets, and valuables, keeping personal items hidden discreetly on the go.
- PROTECTIVE RFID LINING – Each unisex passport wallet features multi-RFID layers that shield credit cards, bank cards, passports and any other personal information from potential e-theft.
- SUPPORTS RUGGED ADVENTURES – We only use premium ripstop nylon fabric and heavy duty YKK zippers to make our passport travel wallets stronger, more durable, and more resilient for a lifetime of world-wide adventures.
- STREAMLINED ACCESSIBILITY – A stylish, easy-to-use design, that’s comfortable and lightweight. Our HERO Neck Wallet makes it super easy to add or remove items, including passports & large smartphones, for quick travel access.
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Buffway Slim Minimalist Front Pocket RFID Blocking Leather Wallets for Men and Women - Carbon Fiber Black
- STYLISHLY SMALL, SLIM & DISCREET: Measuring just 3 1/8" x 4 7/16", our RFID front pocket wallet is designed to be super thin and exceptionally slim. Its modern, minimalist profile fits perfectly in your pocket, purse, or travel pack without adding bulk.
- SURPRISINGLY SPACIOUS: Though slim, it features 8 slots to easily organize your essentials. Comfortably holds your driver's license, credit cards, debit cards, and membership cards, keeping everything you need right at your fingertips.
- ADVANCED RFID BLOCKING: Our slim wallets for men and women are outfitted with advanced RFID SECURE Technology. They block electronic signals to keep your identity protected while you travel, shop, or explore, safeguarding you from digital theft.
- DURABLE & STYLISH FAUX LEATHER: Crafted from premium synthetic leather, this minimalist wallet sleeve combines a luxurious look and feel with everyday functionality. Its durable construction is designed to withstand the rigors of daily use, travel, and shopping.
- THE PERFECT UNISEX GIFT: With its sleek design and practical security features, this wallet is a popular choice for both men and women. It arrives ready for gifting, making it an ideal present for the frequent traveler, minimalist, or anyone in your life!
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