A UPI link-up between countries does not mean that every UPI app works everywhere. It can refer to paying select overseas merchants by QR code, receiving a cross-border remittance, linking an eligible NRI’s international mobile number to an Indian bank account, or letting an inbound visitor pay Indian merchants with a limited-purpose wallet. The right option depends on who is paying whom, where each person is, and which banks, apps and merchants participate.
What “international UPI” can mean
UPI is India’s real-time payments system, but cross-border connections support different payment journeys rather than one universal service. A QR purchase abroad, a remittance into India and a visitor’s prepaid wallet inside India are not interchangeable. Before trying to pay, identify the direction of the money and the type of payment you need to make.
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- Paying a merchant abroad: an eligible Indian account holder scans a supported QR code at a participating overseas merchant.
- Receiving money from abroad: a participating bank and app may support an inward remittance, including the UPI-PayNow connection from Singapore.
- Using an international number: an eligible NRI may link a supported foreign mobile number to an NRE or NRO account and onboard through a compatible app.
- Paying in India as a visitor: an inbound visitor may be able to use a purpose-specific prepaid UPI wallet, where and when the service is offered.
These distinctions matter because a service that lets an Indian resident receive a remittance from Singapore does not, by itself, establish that the person can pay every Singapore shop with UPI. Each connection addresses a particular use case, and eligibility can depend on the account type, app, bank, partner network, location and merchant.
Can you pay with UPI at a merchant abroad?
NPCI describes UPI Global Acceptance as QR-based payment at select international merchant locations. The payment is debited from an Indian bank account through a UPI-powered app. Availability depends on the destination, merchant, bank account and app; acceptance is not universal across a country.
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How to check and pay
- In your UPI app, find the setting for UPI Global or International and activate it for the bank account you intend to use. The precise menu can differ by app.
- At the shop, look for a BHIM UPI or network-partner acceptance mark, and ask the merchant whether it accepts UPI. A QR code alone is not proof that your app can pay it.
- Scan the merchant’s QR code using the supported UPI app and review the transaction details before authorizing.
- Check the amount in local currency and its Indian-rupee equivalent, plus the displayed exchange rate and any applicable fees. Approve only if the final amount is acceptable.
NPCI’s guidance describes this flow but does not establish one fixed exchange rate or a promise that overseas QR payments are free. The amount shown at authorization is the figure to assess; do not assume a rate or fee based on a previous payment. If the app does not show terms you can assess, or the merchant cannot confirm that the QR is supported, do not treat the transaction as guaranteed to work.
Can you receive money from Singapore through UPI?
UPI-PayNow connects India’s UPI with Singapore’s PayNow for cross-border remittances. In a release dated 11 January 2024, NPCI described Indian users receiving funds from Singapore through participating UPI apps and banks. This is a remittance route, not proof of general UPI merchant acceptance in Singapore. Participating institutions can change, so verify current support with the sending and receiving providers before relying on the route.
The key distinction is the payment’s purpose: a remittance connection moves money between people or accounts through participating institutions, while overseas QR acceptance is a way for an eligible account holder to pay a merchant. A connection supporting one flow should not be assumed to support the other, even when both are described as cross-border UPI.
Can you receive other inward remittances into an Indian UPI-linked account?
NPCI also describes a Foreign Inward Remittance feature for receiving money from abroad into UPI-linked Indian bank accounts. Support depends on the participating country, international bank, Indian bank and UPI app. The app handles required permissions or consent, but having a UPI-linked account alone does not guarantee that a particular sender or destination is eligible.
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Before a transfer, check with the provider whether the originating country and bank are supported, whether your Indian bank and app participate, and what amount, timing, exchange-rate and fee details apply. Do not infer availability for one remittance corridor from support for another. In particular, a route announced for Singapore does not establish that a transfer from another country or through another bank will be available.
Can an NRI use UPI with an international mobile number?
NPCI says NRIs with eligible NRE or NRO accounts can use UPI with supported international mobile numbers. The number must be linked to the bank account, and onboarding must take place in a compatible UPI app. Transactions remain subject to the bank’s terms.
NPCI’s live-members search listing showed 12 supported country-code entries, 16 banks and nine UPI apps. These are changeable directory figures, not a guarantee that every bank supports every listed number or that the list will remain the same. Check NPCI’s live international-number listing and confirm the specific account and number with your bank before onboarding. If your country code appears but your particular bank or app is not supported, the listing alone does not make you eligible.
Can foreign visitors use UPI in India?
UPI One World is a prepaid payment instrument linked to UPI for inbound visitors. In its announcement of 16 February 2026, NPCI described a pilot for international delegates from more than 40 countries attending the India AI Impact Summit in New Delhi from 16–20 February 2026. The wallet enabled merchant QR payments without an Indian mobile number or bank account, with onboarding through the CheqUPI app using passport and visa details at specified summit locations.
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For that initiative, NPCI stated wallet loads were capped at INR 25,000 per transaction, two loads per month and INR 50,000 in total. These figures describe the particular pilot in the announcement; they should not be read as general visitor-wallet limits or as evidence of unrestricted, ongoing access for all tourists. Visitors should verify current availability, issuing arrangements, onboarding locations and limits before travel. The fact that the pilot was offered to delegates from over 40 countries does not mean every visitor from those countries can use the wallet at any time or place.
NPCI Executive Director – Growth Sohini Rajola said of the initiative: “By extending the ‘UPI One World’ service to foreign guests at the India AI Impact Summit, we are providing a convenient way to experience India’s real-time payments ecosystem and Madein India technology.” The statement describes the aim of that summit initiative; the specific scope and terms still matter when assessing whether a visitor can use it.
Which countries accept UPI?
There is no single country list that answers every meaning of “accept UPI.” Merchant QR acceptance, remittance links, supported international mobile numbers and visitor wallets each have separate participating networks and conditions.
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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallNPCI’s release of 9 August 2024 reported UPI acceptance in Bhutan, France (at the Eiffel Tower online and Galeries Lafayette), Mauritius, Nepal, Singapore, Sri Lanka and the UAE. This is a dated snapshot of the announcement, not a current exhaustive list of countries, merchants or payment types. In the same 2024 announcement, NPCI International Payments Limited reported more than 100,000 UPI merchant transactions in Nepal; that milestone is historical context, not a current transaction-volume figure.
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For any destination, check the specific app’s current international-payment information and confirm acceptance with the merchant. A country appearing in a past announcement does not mean all shops there take UPI today. The France examples, for instance, were specific acceptance locations cited in the release, not evidence of universal acceptance throughout France.
How to decide whether a link-up fits your situation
| Your situation | Relevant arrangement | What to verify |
|---|---|---|
| You are in another country and want to pay a shop | UPI Global Acceptance at select QR-enabled merchants | That your app and bank account support activation, the merchant accepts the relevant QR payment, and the displayed conversion and fees are acceptable. |
| You want to send or receive a person-to-person transfer between Singapore and India | UPI-PayNow remittance connection | That the sending and receiving institutions currently participate and support the intended transfer. |
| You are receiving a remittance from another country into India | Foreign Inward Remittance, where supported | Country, international bank, Indian bank and app eligibility, plus any consent, amount, timing and charges shown by the provider. |
| You are an NRI with an NRE or NRO account | UPI onboarding with an eligible international mobile number | That your exact country code, bank account and app are supported; confirm with the bank and consult NPCI’s live listing. |
| You are visiting India from abroad | UPI One World or another currently offered visitor arrangement | Whether a provider is offering it for your location and dates, what identity documents and onboarding are required, and the current wallet limits. |
When checking an option, focus on the payment flow (merchant purchase or remittance), direction of funds, participating bank and app, destination or merchant coverage, conversion and charges, and any onboarding or wallet limits. “UPI works internationally” is too broad to answer whether your particular transaction will work. A practical check is to ask: Am I paying a shop or receiving a transfer? Which country and which direction? Does my exact bank-account/app combination participate? What rate, fees or limits will apply? Those answers are more useful than a general country-level claim.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the wider UPI figures do—and do not—tell you
NPCI’s February 2026 release reported 21.70 billion UPI transactions valued at INR 28.33 lakh crore (about USD 312 billion) in January 2026. That figure indicates the scale of UPI activity in India, but it is a domestic-system volume and value statistic; it does not measure cross-border availability, overseas merchant coverage or the number of foreign users able to access a particular link-up. A large domestic network and an international connection are related context, not interchangeable proof of acceptance.
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Frequently Asked Questions
Can I use UPI abroad?
Possibly, at select international merchants that accept a supported QR payment through an eligible UPI app and Indian bank account. Activate UPI Global or International if your app offers it, confirm the merchant accepts the payment, and check the local-currency amount, INR conversion, exchange rate and fees before approving. UPI is not accepted everywhere.
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Can I pay with UPI in Singapore?
UPI-PayNow is a remittance connection between India and Singapore; it is not by itself proof that you can pay every Singapore merchant. Merchant QR acceptance is a separate service. Check your app and bank’s current support and ask the merchant whether its QR is accepted.
Can an NRI use UPI with an international mobile number?
NPCI says NRIs with eligible NRE or NRO accounts can use supported international mobile numbers linked to their bank account, through compatible UPI apps and subject to bank terms. Check the current NPCI international-number listing and confirm your exact number, account and app with your bank.
Can I receive money from Singapore through UPI?
NPCI described UPI-PayNow remittances from Singapore to Indian users through participating UPI apps and banks in a release dated 11 January 2024. Confirm that the sending and receiving institutions currently support your transfer before relying on it.
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A UPI One World pilot described by NPCI in February 2026 let international delegates at the India AI Impact Summit make merchant QR payments without an Indian mobile number or bank account, after passport-and-visa onboarding through CheqUPI at specified locations. Its stated limits and access were for that initiative, not a promise of general availability to all tourists; check current arrangements before travel.
Are overseas UPI payments free, and what exchange rate will I get?
NPCI’s guidance does not establish that overseas QR payments are free or that they use a fixed exchange rate. Review the rate, local-currency amount, INR equivalent and any fees displayed in your app before authorizing the transaction.
The Bottom Line
A cross-country UPI link-up is a specific connection, not a universal international payment pass. Identify whether you need a merchant QR payment, remittance, NRI mobile-number access or a visitor wallet; then verify the exact app, bank, country or merchant, current eligibility, exchange rate, fees and any limits before you proceed.
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