List of Countries that Accept UPI Payments (Updated)

Countries that Accept UPI Payments
Countries that Accept UPI Payments

Unified Payments Interface (UPI) has revolutionized the way payments are made in India, offering a fast, secure, and convenient method of transferring money. Initially designed to enhance the digital payment infrastructure within India, UPI’s growing acceptance across international borders marks a significant milestone in the global payments landscape. This article delves into the essence of UPI, its operational mechanism, its benefits for Indian travelers, and the list of countries that have embraced UPI payments.

Also Read: Can I Make Payments in France Using UPI?

What is UPI?

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI) that facilitates inter-bank transactions. It operates on mobile platforms, allowing users to send and receive money instantly. UPI is designed to be a comprehensive payment solution, enabling users to access multiple bank accounts in a single mobile application, thereby streamlining payments, fund transfers, and bill payments through a mobile interface.

How do UPI Payments Work?

UPI payments work on the principle of immediate money transfer through mobile devices. Users can create a UPI ID and a PIN to execute transactions. The process involves linking a bank account to the UPI-enabled app, after which money can be sent or received using the UPI ID, mobile number, or a QR code. Transactions are authenticated through a mobile number linked to the bank account and secured with a PIN, ensuring safety and confidentiality.

The simplicity and efficiency of UPI transactions eliminate the need for entering lengthy bank account details or waiting for beneficiary activation time, making it an attractive option for instant payments.

How does UPI Acceptance Help Indian Travelers?

The acceptance of UPI payments internationally is a game-changer for Indian travelers. It simplifies financial transactions for tourists and business travelers alike, enabling them to make payments abroad just as they would in India. This means there’s no need to worry about currency exchange rates, carrying large amounts of foreign currency, or facing issues with card payments in countries with different banking systems. The convenience extends to a wide range of transactions, including hotel bookings, restaurant bills, shopping, and even cab services, making travel smoother and more enjoyable.

List of Countries that Accept UPI Payments

The international acceptance of UPI is expanding, with several countries recognizing its potential to facilitate easy payments for Indian visitors. Here’s a list of countries that have opened their doors to UPI payments:

  1. United Arab Emirates (UAE): A popular destination for Indian travelers, the UAE was among the first to accept UPI payments, catering to the large Indian expatriate community and tourists.
  2. Singapore: With its advanced digital payment infrastructure, Singapore has integrated UPI into its payment systems, allowing seamless transactions for Indian tourists.
  3. Nepal: Proximity and cultural ties make Nepal a frequent destination for Indian tourists. UPI payments here enhance the convenience of cross-border financial transactions.
  4. Bhutan: Recognizing the benefits of digital payments, Bhutan has facilitated UPI transactions to foster easier payment methods for Indian visitors.
  5. Mauritius: This island nation, a favorite among Indian holidaymakers, accepts UPI payments, adding to the ease of traveling abroad.
  6. France: A relatively new addition, France has started accepting UPI payments in certain tourist-centric locations, acknowledging the increasing number of Indian travelers.
  7. United Kingdom (UK): With a significant Indian diaspora and a large number of Indian tourists, the UK’s adoption of UPI payments marks a significant step in easing financial transactions.

This list is not exhaustive and is expected to grow as more countries recognize the benefits of integrating UPI into their payment systems. The global expansion of UPI not only enhances the travel experience for Indians abroad but also signifies India’s growing influence in the international digital payments arena.


The acceptance of UPI payments internationally heralds a new era in global digital transactions, offering unprecedented convenience and security for Indian travelers. As UPI continues to gain ground worldwide, it paves the way for a seamless and unified payment system that transcends geographical boundaries, making it easier for people to travel, shop, and explore the world without worrying about the hassles of traditional payment methods.

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