UPI Accepted Countries List, How to Activate & Use UPI Internationally

UPI services are now live in Sri Lanka and Mauritius, and other countries for Indians. Let's look at the UPI Accepted Countries List 2024, How to Use UPI Internationally, steps to use UPI payments and more!

by Sadikaa Updated: 23 Mar, 2024, 17:23 IST
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UPI services are now live in Sri Lanka and Mauritius, and other countries, as announced by the Ministry of External Affairs for Indians. During a virtual event, Prime Minister Narendra Modi inaugurated the Unified Payment Interface (UPI) and Rupay card services in these UPI Accepted countries list. Additionally, NPCI International Payments Limited (NIPL) and Lyra introduced UPI adoption earlier this month in France. In recent years, numerous countries have embraced UPI as a payment method. For instance, NPCI International Payments Ltd. (NIPL) partnered with the Royal Monetary Authority (RMA) of Bhutan to introduce BHIM UPI QR-based payments in Bhutan on July 13, 2021. This collaboration marks a significant milestone in expanding UPI accepted countries beyond Indian borders. Now let's look at the UPI Accepted Countries List 2024, How to Use UPI Internationally, Making International Payments using UPI in Google Pay & PhonePe and more!

All UPI accepting Countries List 2024, How to Use UPI Internationally

What is UPI?

For those unfamiliar, the Unified Payments Interface (UPI) is a lightning-fast payment system that allows users to transfer money instantly, across various bank accounts, without needing to share their bank details with the recipient.

Countries where UPI is accepted

UPI has significantly expanded its reach over the past two years, with several countries where UPI is accepted. MyGovIndia has even shared a world map on its official handle, highlighting these countries where Indians can now conveniently use UPI for making payments. NPCI International Payments Limited (NIPL) has teamed up with Liquid Group to introduce QR-based UPI payments across 10 Southeast Asian nations, including Hong Kong and Singapore. Moreover, UPI is now accessible in Bhutan, Oman, and Nepal, providing a seamless experience for instant real-time payments across various bank accounts including Sri Lanka and Mauritius.


  

Complete UPI Accepted Countries List

Indians can now use UPI for making payments. Here is the list of countries that officially support UPI payment in 2024:

Country

UPI Accepting

RuPay Accepting

Bhutan

Yes

Yes

Oman

Yes

Yes (Soon)

Mauritius

Yes

Yes

Sri Lanka

Yes

Yes (Soon)

Nepal

Yes

Yes

France

Yes

Yes (Soon)

Singapore

Yes

Yes (Soon)

Southeast Asia

Yes

Yes (In specific countries)


Bhutan: Now Officially Added to UPI Accepted Countries List

Bhutan is officially on the Indian UPI Accepted countries list. On July 13, 2021, the collaboration between NPCI International Payments Ltd (NIPL) and the Royal Monetary Authority (RMA) of Bhutan marked a significant step in financial integration between India and Bhutan. Now, Indians can conveniently use BHIM UPI QR-based payments in Bhutan as it falls into the list of UPI Accepted countries.

How to Use UPI in Bhutan

In Bhutan, users can utilize UPI for payments through the BHIM UPI QR-based system. Here's a guide on how to use UPI in Bhutan:

Step 1: Locate a merchant or business in Bhutan that accepts BHIM UPI payments.

Step 2: Scan the QR code provided by the merchant using your UPI-enabled app.

Step 3: Enter the payment amount and any other required details.

Step 4: Confirm the payment through the app and authorize the transaction using your UPI PIN.

Step 5: Upon successful completion, you will receive a notification confirming the transaction.


Oman: Use RuPay Card on UPI in Oman

The Memorandum of Understanding (MoU) signed between NPCI, NIPL, and the Central Bank of Oman on October 4, 2022, brings forth a new era of payment facilitation. Oman is part of the Indian UPI Accepting countries list. This agreement enables the acceptance of Indian RuPay cards in Oman as a UPI Accepted country and vice versa, fostering seamless transactions and partnerships for cross-border remittances between the two countries using UPI rails.

How to Use RuPay Card on UPI in Oman

In Oman, users can leverage RuPay cards on the UPI platform for seamless transactions. Here's a guide on how to use RuPay cards with UPI in Oman:

Step 1: Ensure your RuPay card is linked to your UPI-enabled app.

Step 2: Locate merchants or businesses in Oman that accept UPI payments.

Step 3: Scan the QR code provided by the merchant using your UPI-enabled app.

Step 4: Enter the payment amount and any necessary details.

Step 5: Confirm the transaction using your UPI PIN.

Step 6: Upon successful completion, you'll receive a notification confirming the payment.

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Mauritius & Sri Lanka: Making UPI Payments in Mauritius and Sri Lanka

Visitors from India can now utilize UPI for transactions with local businesses in Mauritius. Similarly, tourists from Mauritius can use the Instant Payment System (IPS) app in India. Additionally, RuPay technology facilitates the issuance of RuPay cards by Mauritian banks locally through the MauCAS card network. To initiate UPI Accepted payments in Sri Lanka and Mauritius, individuals must initially register their bank account with a UPI-enabled mobile application. During this process, users are prompted to input recipient information, such as bank account numbers, along with transfer amounts and currencies. Mauritius is a valuable addition to the Indian UPI Accepted countries list.

Sri lanka is finally in the UPI Accepted countries list. Indians travelling to Sri Lanka can now make QR code-based payments at merchant locations using their UPI apps, enhancing convenience and interoperability between the two nations.

Make UPI payments in Mauritius and Sri Lanka:

Step 1: Open the UPI app and tap on your profile picture on the home page.

Step 2: Go to the Payment Settings section, and select UPI International.

Step 3: Click on the 'Activate' option next to the chosen bank account for international UPI payments.

Step 4: Confirm activation using your UPI PIN.

Step 5: Once the service is activated, scan the QR code provided by the merchant.

Step 6: Enter the amount, which will be displayed in both local currency and Indian rupees.

Step 7: Click on "Pay," enter your UPI PIN to authorize the transaction, and confirm. Once completed, the transaction will be processed successfully.


Nepal: UPI Payments Accepted Countries Now Includes Nepal

Nepal also made the list of UPI Accepted countries. Nepali users can initiate bank transfers to India using UPI IDs through mobile banking, simplifying cross-border transactions.

How to do UPI Payments in Nepal

Step 1: Install UPI-BHIM from your Google Play Store or Apple App Store as your chosen UPI app.

Step 2: Choose your preferred language and ensure your phone number is accurate. Then, select your bank account and enter your account number.

Step 3: Enter essential details like your name, virtual ID, and password to create your profile. Your payment address will be the virtual ID you generate.

Step 4: Within the app, navigate to Add/Link/Manage bank account and link your bank and account number to the previously generated virtual ID.

Step 5: Create an MPIN for yourself, which will serve as your password for completing transactions. Once you've completed these steps, you'll have successfully registered. Remember, you'll need to enter your mobile personal identification number (mPIN) each time you make a transaction.


UPI Payments now Accepted in France, Fees and UPI charges

The iconic Eiffel Tower in Paris now accepts India's Unified Payments Interface (UPI) service, thanks to the partnership between NPCI International Payments Limited (NIPL) and Lyra, a leading French company specializing in securing e-commerce and proximity payments.

How to use UPI in France

Step 1: Indian tourists visiting the Eiffel Tower can use their UPI-powered apps to easily book tickets online. They simply need to scan the QR code on the merchant’s website using their UPI app to complete the payment.
Step 2: Once the QR code is scanned, users can proceed to enter the payment details and authorize the transaction through their UPI-enabled application.

UPI Charges in France

One great advantage of using UPI for transactions in France is the potential to avoid extra charges. Unlike credit and debit cards, UPI transactions may not incur fees for international payments in France. With over 380 million users in India, UPI has become incredibly popular as a widely Accepted payment method. Its expansion to France opens up new possibilities for seamless transactions for Indian tourists.


Singapore: A UPI Accepted Country, How to Use UPI in Singapore

Singapore holds the distinction of being the first nation as one of the Indian UPI Accepted countries list to introduce cross-border Person to Person (P2P) payment services. In February of the preceding year, India and Singapore established a connection between UPI and PayNow, facilitating swift and cost-effective money transfers between Singapore and India, benefiting the Indian diaspora in Singapore. Also, several commercial establishments in Singapore have already implemented the acceptance of UPI payments through QR codes.

Steps for UPI transfer in Singapore

Here are the steps to make a UPI transfer to Singapore:

Step 1: Access the bank's mobile app or online banking platform.

Step 2: Choose the "I agree" option under outward foreign remittance.

Step 3: Proceed with the transfer by providing the beneficiary's mobile number or Virtual Payment Address (VPA).

Step 4: Enter the amount you wish to transfer.

Step 5: Check the exchange rates and review the transaction summary.

Step 6: Depending on the app's requirements, confirm the transaction with an OTP (One-Time Password) or UPI (Unified Payments Interface) pin.


Southeast Asia: UPI Accepted countries in Southeast Asia

NIPL's collaboration with Liquid Group enables QR-based UPI payments and have added several countries to the Indian UPI Accepted countries list. These 10 countries across Southeast Asia, including Malaysia, Thailand, the Philippines, Vietnam, Singapore, Cambodia, South Korea, Japan, Taiwan, and Hong Kong, are in the UPI Accepted countries list, offering a seamless payment experience for Indians travelling within the region.

Activation and Usage in South Asian UPI Accepted Countries

The process for using UPI in these countries follows a similar pattern of registering bank accounts with UPI-enabled apps and initiating payments by providing recipient details and transfer amounts.


How to Use UPI Internationally

To use UPI for payments in Sri Lanka, Mauritius, and other countries:

  1. Registration: Users need to register their bank account with a UPI-enabled mobile application.

  2. Enter Recipient Details: Users input recipient information, including bank account number, transfer amount, and currency, during the bank account linking process.

  3. Payment Process: Once the bank account is linked, users can initiate UPI payments overseas.

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Making International Payments using UPI in Google Pay

International payment transactions are similar to domestic UPI payments, with bank fees and foreign exchange conversion rates applying.

  1. Open the Google Pay app.

  2. Tap Scan QR code.

  3. Scan the international merchant’s QR code.

  4. Enter the amount in payable foreign currency.

  5. Select the bank account you want to use to pay the international merchant.

With these simple steps, users can now conveniently activate and use international UPI services on PhonePe and make international payments using UPI in Google Pay.


Activating UPI International on PhonePe
  1. Open the UPI app and go to the home screen.

  2. Click on your profile picture.

  3. Under Payment Settings, select UPI International.

  4. Click the activate button next to the bank account you wish to use for international UPI payments.

  5. Enter your UPI PIN to confirm the activation.

In case you're unsure about which UPI app to go for, you might want to check out this discussion by one of our fellow DD users: "Which UPI App is Your Favorite and Why?" It could give you some insights and help you make a decision.

If you're curious about the differences between UPI, RTGS, IMPS, and NEFT, you should check out "Difference between UPI, RTGS, IMPS, and NEFT: Charges & Limit"


It's helpful to learn about the different charges, fees, and limits for each service, as well as how fast transactions are processed. This info can help you choose the service that suits your needs the best.


FAQ's

1. Which countries have accepted UPI?

UPI (Unified Payments Interface) has gained acceptance in several countries, including Bhutan, Oman, Mauritius, Sri Lanka, Nepal, France, and various Southeast Asian countries such as Malaysia, Thailand, Philippines, Vietnam, Singapore, Cambodia, South Korea, Japan, Taiwan, and Hong Kong.

2. Which banks support UPI International?

Several Indian banks support UPI International transactions, including but not limited to State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank (PNB), and Bank of Baroda (BoB).

3. Will UPI work outside India?

Yes, UPI can work outside India in countries where it has been accepted and integrated into their payment systems. Users can initiate UPI transactions internationally, subject to the availability of UPI services in the respective country and compatibility with the recipient's banking infrastructure.

4. Can I use UPI internationally?

Yes, you can use UPI internationally in countries where it is accepted. However, it's essential to check with your bank and the UPI-enabled app you're using to ensure that international transactions are supported and to understand any associated fees or currency conversion charges. Additionally, you may need to activate UPI International services through your bank or the UPI app before using it for international transactions.

5. Are there any additional fees for using UPI internationally?

Yes, there may be additional fees associated with using UPI for international transactions. These fees could include currency conversion charges, international transaction fees imposed by your bank, and any charges levied by the recipient's bank or payment service provider. It's advisable to check with your bank and the UPI app provider for details on fees before initiating international transactions.

6. Is there a limit on the amount I can transfer internationally using UPI?

The limit for international UPI transactions may vary depending on your bank and the UPI app you're using. Banks often impose daily or transactional limits on international transfers for security and regulatory compliance reasons. You can check with your bank to know the specific limits applicable to your account and whether they can be adjusted if needed.

7. Can I use UPI for cross-border remittances?

Yes, UPI can be used for cross-border remittances, enabling individuals to send money to beneficiaries in other countries quickly and conveniently. However, the availability of cross-border remittance services may vary depending on the participating banks and regulatory requirements in the sender and recipient countries. It's advisable to check with your bank for details on cross-border remittance services available through UPI.

Deal Cadet
Sadika is a content writer with over three years of experience in Ecommerce, Tech, Finance, Skin care and Beauty, Travel, and Psychology. Her mission is simple: to bring you the best information possible.
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So paytm is out of the game now
Deal Cadet Deal Cadet
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India's star sure is shining these days. Good to see.

Finance Ninja Finance Ninja
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UAE already accept UPI payment.

Many UAE stores and UAE duty free shops accept UPI payment.

Here Live countries list -

List of countries that accept UPI :

Sr.no Country Name
1 Bhutan
2 France (E-commerce)
3 Mauritius
4 Singapore
5 Sri Lanka
6 UAE

List of countries that accept RuPay :

Sr.no Country Name
1 Bhutan
2 Nepal
3 Mauritius
4 Singapore
5 UAE

Other countries only MoUs have been signed. UPI and RuPay is not live yet on other countries.

Note – I have shared this information till February 16, 2024. More countries will go live in the future.

I think Nepal will soon live on UPI, Nepal Banks has completed all integration, Only Indian banks are not ready yet, that's why it's getting delayed.

Deal Cadet Deal Cadet
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Sadikaa Nice Article... 1 Counter question.. What could be top 5 reasons as why developed (US, Finland, Norway) nation are hesitant to accept UPI?? Companies like google already have UPI based app.. So it's not hard to implement there .. What I think is in those countries they can't force common man to link all bank account under 1 mobile number (in fact we have aadhar, pan and what not.. For example HSRP joining team, then Property cards and so on) and expose that linkeded data to commercial company for open ended financial transaction (EU has GDPR.. US has Privacy protection act) .. What's your say on it.. 
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I wont be able to give five whole reasons but there's a very simple answer behind this. Each country has its own way of handling payments, especially the countries you mentioned already have established payment systems that work well for their populations, such as Apple pay, which was introduced way before UPI. Just like how it is difficult for us to transition from Paytm, most people would prefer common methods already used. As you mentioned, stringent data privacy regulations like GDPR in the EU and privacy protection acts in the US might make it challenging to implement a system like UPI, which involves sharing personal and financial data with commercial entities. Maybe touristy places in those countries can begin to adapt to UPI in the near future.

Finance Ninja Finance Ninja
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@amc2

Yesterday's news, NPCI is in talks with US banks & US Based "FedNow" to establish a real-time payment link between the two countries - https://www.desidime.com/discussions/npci-is-in...

@Sadikaa

Last year, UPI like "FEDNOW" payment service is live on US - https://www.desidime.com/discussions/upi-like-f...

UPI in Europe -

Worldline become the first EU acquirer to offer UPI and RuPay Card in Belgium, Netherlands, Luxembourg and Switzerland with further plans for expansion, as Worldline QR is rolled out in more European countries - https://worldline.com/en/home/top-navigation/me...

UPI in Netherlands -

Netherlands based TerraPay support UPI payment to receive real-time international payments in India - https://www.desidime.com/discussions/netherland...

UPI, RuPay Card in UK -

NPCI International partners with U.K.’s PayXpert to accept UPI payment, RuPay card in UK - https://www.desidime.com/discussions/indian-tra...

UPI, RuPay Card on International E-com website in Europe & US -

NPCI arm partners UK fintech PPRO for UPI, RuPay use in global e-commerce - https://www.desidime.com/discussions/soon-we-ca...

Europe (UPI like payment system Wero) -

Europe is building the European Payments Initiative (EPI) – an alternative to Visa and Mastercard. Also launch Instant payment system called "wero".

Last month, EPI has announced the completion of its first account-to-account instant payment transactions with "wero", Through this new digital wallet, consumers will have access to a comprehensive range of features, such as secure and fast payments, person-to-person (P2P) transactions, online shopping capabilities, loyalty programs, etc.  EPI envisions wero to become the preferred digital wallet in Europe, bridging the existing gaps in the current payment ecosystem.

Wero will be available through EPI’s member banks’ applications and as a mobile application on both Android and iOS platforms. Currently, EPI is actively working towards launching wero by mid-2024 in Belgium, France and Germany, followed by the Netherlands, and aims to extend to other countries in the years to come.

Deal Cadet Deal Cadet
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Abhishek Sir.. I am not asking about launch initiatives of NPCI Or UPI mirrored apps in developed countries.. My question is about what makes them (Govt of developed countries) hesitant or not to switch to digital payment forms like gpay, bharatpe and so on.. Same country like US are accepting Crypto(Bitcoin) and India is in complete denial of launching it (it's a digital currency though) infact recent law make it illegal too... What crypto lacks is centralised authority (as its a decentralised system of ledger update) .. Same india is more happy is launching digital rupee (Crypto currency of RBI) ... Launching the UPI in those developed country is very easy but still Govt is not launching it from themselves (what NPCI does here) .. Hope you got my question now..
Finance Ninja Finance Ninja
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😀Pura essay likhwaoge tum mujhse. @amc2

Look, developing countries may find it easier to transition to new technologies compared to larger or more developed countries. This assertion might be based on several observations and factors:

Flexibility: Smaller or developing countries might have less complex bureaucratic systems and established infrastructures, making it easier for them to adapt to and implement new technologies without having to navigate through layers of regulations or entrenched interests.

Leapfrogging: In some cases, developing countries may leapfrog older, outdated technologies and directly adopt newer, more efficient ones. Since they may not have as much invested in older technologies, they can more readily embrace the latest advancements.

Resource Utilization: Developing countries often face resource constraints, which can drive innovation and creativity in finding alternative solutions. This can lead to the development and adoption of more efficient technologies tailored to their specific needs.

Partnerships and Collaboration: Developing countries may be more open to collaboration with international partners and may leverage external expertise and resources to accelerate their technological advancement.

Government Policies: Government policies in developing countries may be more conducive to innovation and technological development. They may offer incentives or create favorable conditions for the adoption of new technologies.

Hope you understand, There are many things in which India is ahead of USA.

1) DTH

2) Fiber Internet (Even today, some rural areas of America don't have mobile network but here in India almost all the villages have fiber connection)

There are more example like this and developed countries are lagging behind in all this because of heavy investment in old technology, bureaucracy, politics etc.

Now you yourself have understand how difficult it is to launch an instant payment system like UPI in a developed country.

Visa/MasterCard have heavy investment in US market, many American politicians own shares in Visa/MasterCard. Visa/MasterCard also backed by US govt, US govt has also given billions of dollars to Visa and MasterCard over the years.

There are many politicians who have introduced bills in US Congress for new innovations and alternatives to Visa and MasterCard.

This bill is not being passed since last year, in Us congress. S.1838 - Credit Card Competition Act of 2023 - https://www.congress.gov/bill/118th-congress/se...

If this bill is passed, there will be a huge revolution in America. New innovation and Instant payment system like "FEDNOW" will get a big boost.

But developed countries get stuck in bureaucracy and politics and are not able to adopt new technology quickly.

Deal Cadet Deal Cadet
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That's the nice move from India
Generous Generous
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international airport lounge kub milega ? any exp.?

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