How to Use UPI and Digital Payments in India as a Foreigner

India has emerged as one of the fastest-growing markets for digital payments. The widespread use of UPI payment apps in India has transformed the way people transact, from big cities to rural markets. If you are a foreigner visiting India, understanding how to use digital payments in India can make your trip easier and more secure.

In this comprehensive guide, we explain what UPI payment in India is, how you can access it as a visitor, and which are the best UPI payment apps in India that you can rely on.

What is UPI Payment in India

Unified Payments Interface, popularly known as UPI, is a real-time payment system developed by the National Payments Corporation of India. It enables direct money transfers between bank accounts via mobile apps. Unlike traditional banking methods, UPI payment in India allows transfers without sharing account numbers or IFSC codes. You can send or receive money using a simple UPI ID or by scanning a QR code.

Key Features of UPI Payment

• Instant money transfers, available twenty-four hours a day
  
• No additional fees for most transactions
  
• Ability to send or receive money using mobile number, UPI ID, or QR code
  
• Strong security with two-factor authentication
  
• Direct link to your bank account without the need for a prepaid wallet
  

Why Should Foreigners Use Digital Payments in India

Digital payments in India have become a part of daily life. Here are key reasons why you, as a foreign traveler, should consider using UPI payment apps in India:

• You avoid the hassle of carrying cash and visiting currency exchange counters
  
• Digital payments offer secure transactions through encrypted systems
  
• UPI is accepted widely across shops, hotels, transport services, and even by street vendors
  
• Payments are made directly from your linked account or wallet, making spending more manageable
  
• Digital apps offer instant transaction records for your reference
  

Can Foreigners Use UPI Payment in India

The Short Answer: Yes, with Certain Requirements

Foreigners can use UPI payment apps in India, provided they meet some conditions. Traditionally, having an Indian bank account and a registered Indian mobile number were required. However, recent changes by the National Payments Corporation of India have made it easier for tourists under specific categories.

NPCI Guidelines for Foreign Tourists

• Tourists from select countries, especially G20 nations, are permitted to use UPI services through prepaid wallets linked to UPI
  
• Completion of Know Your Customer (KYC) formalities is mandatory to activate wallets
  
• The service is currently available through select banks and approved apps only
  

How to Set Up UPI Payment in India as a Foreigner

Step One: Obtain an Indian Mobile Number

Most UPI payment apps in India require an Indian mobile number linked to your bank account for verification. Major telecom providers such as Jio, Airtel, and Vi offer tourist SIM cards with easy activation procedures.

Step Two: Open an Indian Bank Account if Eligible

If you hold an Overseas Citizen of India (OCI) status or plan an extended stay, opening a bank account in India can simplify your use of UPI services.

Step Three: Choose a UPI Payment App

There are multiple UPI payment apps in India to choose from. The best UPI payment apps in India include:

• BHIM UPI Payment App
  
• Google Pay
  
• PhonePe
  
• Paytm
  
• Amazon Pay
  
• WhatsApp Pay (available for limited users)
  

Step Four: Complete KYC and Link Your Bank Account

Once you download your preferred app, follow the registration and KYC process. After your bank account is linked and your UPI PIN is set, you are ready to make payments.

Best UPI Payment Apps in India for Foreign Tourists

Here is a look at some of the best digital payment apps in India that offer secure, reliable, and easy-to-use services:

• BHIM UPI Payment App

Developed by the National Payments Corporation of India, this app is known for its simplicity and security. It supports all UPI-enabled banks and is ideal for basic transactions and bill payments.

• Google Pay

Known for its smooth interface and rewards system, Google Pay is popular for both person-to-person and merchant payments. It supports multiple linked bank accounts and offers cashback deals.

• PhonePe

Widely accepted across India, PhonePe supports bill payments, mobile recharges, shopping, and UPI payments. Its interface is available in multiple languages and offers easy transaction tracking.

• Paytm

Apart from UPI payments, Paytm offers wallet services, shopping options, ticket bookings, and bill payments. It is often used for quick transactions and mobile recharges.

• Amazon Pay

Integrated with the Amazon shopping platform, Amazon Pay supports UPI payments and offers attractive cashback deals. It is ideal for frequent online shoppers.

What is a UPI Payment Gateway

A UPI payment gateway allows businesses to accept UPI payments from customers on their digital platforms. It connects the customer’s payment method with the merchant’s bank.

You will see UPI payment gateways integrated on websites and apps such as:

• Online stores
  
• E-commerce platforms
  
• Food delivery apps
  
• Ticket booking platforms
  

Some popular UPI payment gateways in India include Razorpay, PayU, and Cashfree.

Is UPI Payment in India Safe

Security is a top priority for UPI services in India. UPI uses advanced encryption and strict verification methods to protect users.

UPI Security Features

• Mandatory two-factor authentication for every transaction
  
• End-to-end encryption of payment data
  
• Immediate alerts and transaction history updates
  
• Requirement of a UPI PIN for each transaction
  

Important: Always download apps from trusted sources and never share your UPI PIN or OTP with anyone.

Where Can You Use UPI and Digital Payments in India

UPI payment in India is widely accepted in various sectors, including:

• Retail shops and supermarkets
  
• Restaurants and cafes
  
• Public transport, taxis, and auto-rickshaws
  
• Street vendors and markets
  
• Online shopping platforms
  
• Utility bill payments
  
• Hotel and flight bookings
  

Comparing BHIM UPI Payment App with Other UPI Apps

Features	BHIM UPI Payment App	Google Pay	PhonePe	Paytm	Amazon Pay
Official NPCI App	Yes	No	No	No	No
Cashback Offers	No	Yes	Yes	Yes	Yes
Multi-language Support	Yes	Yes	Yes	Yes	Yes
Simple Interface	Yes	Yes	Yes	Yes	Yes
Linked Wallet Option	No	No	No	Yes	Yes

Recommendation: If you are looking for an official, straightforward app for UPI payments, the BHIM UPI Payment App is a reliable choice. For added features like rewards, Google Pay or PhonePe are also excellent options.

Tips for Using Digital Payments Safely in India

• Only download apps from verified app stores
  
• Avoid making payments on public Wi-Fi networks
  
• Double-check UPI IDs and QR codes before making payments
  
• Never disclose your UPI PIN or OTP to anyone
  
• Enable app lock features for additional security
  

Conclusion

India’s transition to a digital economy has been swift, and the use of digital payments in India is now part of everyday life. UPI payment apps in India make it easier for travelers and tourists to navigate financial transactions without the need for cash.

With simple setup processes, user-friendly apps, and strong security measures, UPI payments offer a convenient option for foreigners visiting India. Choose the best digital payment app in India that fits your needs, follow basic safety practices, and enjoy a seamless, cashless experience throughout your trip.