List of Countries Accepting UPI Payments other than India (2024)

France greenlit the implementation of the Unified Payments Interface (UPI) within its borders on February 2, 2024. NPCI International Payments Limited (NIPL) and Lyra, a prominent French entity specialising in safeguarding e-commerce and proximity payments, jointly declared the adoption of the UPI payment framework in France.

List of Countries Accepting UPI Payments other than India (1)

Moreover, the Indian government has persistently championed the utilisation of its digital payment infrastructure, notably the UPI, to facilitate streamlined cross-border transactions. Such initiatives seek to mitigate the expenses associated with fund transfers and remittance payments.

The first country to enable UPI payments after India is Bhutan.

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List of Countries Accepting UPI Payment

Bhutan was the first nation beyond India to facilitate transactions via the BHIM app using the Unified Payments Interface (UPI). Here is the complete list:

Country

Date

Bhutan

13 July, 2021

United Arab Emirates

21 April, 2022

Malaysia

2021

Singapore

21 February, 2023

Nepal

December 2023

Oman

December 2023

Qatar

15 March, 2023

Russia

April 2023

France

2 February, 2024

Sri Lanka

12 February, 2024

Mauritius

12 February, 2024

United Kingdom

Ongoing

In September 2021, Liquid Group, a prominent cross-border digital payment service provider, entered into a memorandum of understanding (MoU) with NIPL. The aim was to introduce a UPI-based QR code payment system across multiple countries, including Singapore, Malaysia, Thailand, Philippines, Vietnam, Cambodia, Hong Kong, Taiwan, South Korea, and Japan, starting in 2022.

List of Countries Accepting UPI Payments other than India (2)

Subsequently, on March 8, 2022, NIPL further solidified its international collaborations by signing an MoU with the Arab Monetary Fund (AMF). This agreement is designed to interlink UPI with the Buna Payment Platform, which boasts connectivity with central banks and financial institutions throughout the Arab region. Such integration is poised to facilitate seamless cross-border multi-currency transactions.

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Future Market For UPI

Notably, India has been proactive in extending the reach of UPI globally. As of July 4, 2022, discussions regarding UPI integration have already been initiated with 30 countries, reflecting India's commitment to fostering international cooperation in the realm of digital payments. These are the potential markets for UPI:

Country

Date

Details

Australia

21 March 2022

India proposed early integration of UPI with the Australian New Payment Platform to improve higher education access and tourism potential during a bilateral virtual summit.

Europe

11 October, 2022

Worldline SA will enable European merchants' POS terminals to accept UPI as per the MoU signed. The initial market expansion will include Belgium, the Netherlands, Luxembourg, and Switzerland. Payment will be facilitated through the Worldline QR code.

Thailand

20 April 2023

Bank of Thailand is planning cross-border remittances and QR-based payments with India. Officials reviewed the progress of connecting UPI and PromptPay at the India-Thailand Joint Trade Committee meeting. Negotiations between the Reserve Bank of India and the Bank of Thailand are ongoing.

Saudi Arabia

19 September 2022

Commerce and Industry Minister Piyush Goyal discussed introducing UPI in Saudi Arabia during a meeting with Majid bin Abdullah Al Qasabi. The operationalisation of UPI is a priority area in bilateral Fintech collaboration.

United States

July 2023

The Clearing House is working with EBA Clearing and SWIFT for real-time USD-Euro payment called Immediate Cross-Border (IXB). Talks of a payment corridor between IXB and UPI are ongoing.

Bahrain

20 March 2023

Minister of Industry and Commerce Abdulla Adel Fakhro held talks with Indian counterparts after the UPI-PayNow linkage. Preliminary discussions for a similar partnership between Bahrain and India in the cross-border payment space started in April 2023.

Japan

May 2023

Japanese Digital Minister Taro Kono informed us that a team from Japan will visit India to study the UPI system. Japan is considering joining the network for increased interoperability and as another standard of cross-border payment. A memorandum of understanding (MoU) was signed during the G7 meeting.

Philippines

June 2023

India initiated preliminary discussions regarding UPI cooperation with payment firms from the Philippines. Both nations signed a memorandum of understanding on financial technologies to collaborate in various areas including digital payment space.

Ethiopia

November, 2023

Indian delegation sought collaboration with Ethiopia on digital payment solutions by integrating UPI and Ethswitch. The proposal aims to explore the settlement of trade transactions in the local currency to boost bilateral trade and conserve foreign exchange.

New Zealand

August, 2023

During a bilateral meeting, India started discussions with counterparts from New Zealand on the introduction of UPI to promote ease of doing business, trade, and tourism between both nations.

August 2023 witnessed a flurry of news reports and articles focused on the BFSI sector. According to data provided by NPCI, the platform recorded a staggering 10.5 billion transactions in August, marking a notable increase from the 9.9 billion transactions recorded in July 2023. By August 2023, UPI had surpassed the remarkable milestone of 10 billion transactions. Furthermore, UPI transactions in August amounted to ₹15.7 lakh crore, a slight uptick from the ₹15.3 lakh crore recorded in July. In the fiscal year 2023, the cumulative value of annual transactions soared to $1.7 trillion, with a substantial portion amounting to $380 billion dedicated to merchant payments.

UPI in Nepal: How to make payment through the App

In a groundbreaking collaboration, NPCI International Payments Ltd (NIPL), the global extension of the esteemed National Payments Corporation of India (NPCI), and Fonepay Payment Service Ltd, Nepal's premier payment network, have declared the activation of Unified Payment Interface (UPI) for cross-border transactions linking India and Nepal.

How do you make payments through the Apps?

To utilise UPI overseas, users must opt for UPI International and enable international transactions through their respective banks. While availing this service, banks may levy forex charges for facilitating international payments. To enable this functionality, the National Payments Corporation of India (NPCI) collaborates with a prominent company from the target country.

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List of Countries Accepting UPI Payments other than India (2024)

FAQs

How many countries are accepting UPI? ›

Overseas markets accepting UPI payments include Singapore, Malaysia, UAE, France, Nepal, UK, Mauritius, Sri Lanka, to name a few. India is making significant strides in expanding the network of its digital payment systems like RuPay, UPI (Unified Payments Interface), etc.

Does UPI work outside India? ›

Unified Payment Interface, commonly known as UPI, services are now available in multiple countries other than India. These include Sri Lanka, Mauritius, Bhutan, Oman, Nepal, France and UAE.

Is UPI available in the USA? ›

Yes, NRIs can use UPI from their registered overseas mobile number from the approved geographies, i.e. Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA for INR transactions in India. How can an NRI set up a UPI/ VPA ID?

Why UPI is not implemented in USA? ›

Instant payments haven't taken off in the US yet. That's in part because the US economy is card-based. Banks make a lot of money on interchange fees and late payments, which means it's difficult to sacrifice profitable credit and debit cards for free instant payments.

Which country is no 1 in UPI transaction? ›

UPI is used at all levels from street vendors to large shopping malls. Today, among all countries in the world, India is the country with the highest digital transaction, accounting for nearly 46% share, as per the 2022 data.

Is UPI available globally? ›

Yes, as long as you have a UPI-enabled mobile app and a registered bank account, you're good to go! 2. Are there any additional fees for international UPI payments? You'll encounter standard bank fees and foreign exchange rates for international UPI transactions.

Can I use UPI in Canada? ›

UPI enables ICICI Bank Account Holders to send and receive money from their smartphones with a single identifier i.e. Virtual Payment Address (VPA), using their registered Indian or overseas mobile number from select geographies, i.e. Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA.

Does UPI work in the Philippines? ›

Southeast Asia. NIPL has entered into an agreement with Liquid Group to facilitate QR-based UPI payments in 10 countries, encompassing Malaysia, Thailand, Philippines, Vietnam, Singapore, Cambodia, South Korea, Japan, Taiwan, and Hong Kong.

Does China have UPI? ›

CUP is a payment method from China. Other names of the methods are China UnionPay or UPI (for international payments) or simply UnionPay. It was founded in 20020. Basically, UnionPay is the biggest card scheme in mainland China.

Does Japan have UPI? ›

NIPL signed an agreement with Liquid Group to enable QR-based UPI payments in 10 countries, including Malaysia, Thailand, Philippines, Vietnam, Singapore, Cambodia, South Korea, Japan, Taiwan, and Hong Kong.

Does UPI work in Germany? ›

Yes, UPI apps like BHIM, GPay , Phonepe, etc can also be used outside India to send and recieve money in your Local account. NRI/NRE accounts should be used for such transfers outside India.

How many countries is UPI available in? ›

Employment Type. Indians can now use the Unified Payments Interface (UPI) to make payments in seven countries. Following its launch in Sri Lanka and Mauritius, UPI payments are accepted in France, UAE, Singapore, Bhutan, and Nepal.

How can I use UPI outside India? ›

To make UPI payments outside India, one needs to enable international payments on the respective apps. For example, if you are using UPI via the PhonePe app, the same has to be enabled on the platform from the settings menu. Once enabled, one will be able to make UPI payments with ease in international locations.

Is UPI like zelle? ›

UPI allows for larger transactions to accommodate business payments and high-value transfers, whereas Zelle and Venmo typically have lower limits, often geared towards person-to-person payments.

How many countries accept Google Pay? ›

Supported countries. As of July 2024, Google Wallet is available in 86 countries worldwide for both Android & Wear OS, with Google Pay being integrated in 85 of said nations: Albania.

What is the ranking of UPI in the world? ›

Universitas Pendidikan Indonesia is one of the top public universities in Bandung , Indonesia. It is ranked #1201-1400 in QS World University Rankings 2025.

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