List of Countries Where UPI Is Accepted in 2025 (Latest Update)

UPI is also being piloted or partially accepted in some countries. Coverage may be limited to selected merchants or tourist areas: 

1. Qatar – Available at QNB-acquired merchants and some airports/tourist zones. 

1. Oman, Malaysia, Thailand – Currently in talks or at MoU stage with NPCI; may roll out soon. 

1. Other Regions – Reports indicate discussions with the US, UK, and European payment networks for future integration. 

How to Use UPI Abroad 

• Enable International Payments – Some UPI apps (like PhonePe, BHIM) may require you to activate “UPI Global” for international transactions. 

1. Scan the Merchant’s QR Code – Look for BharatQR/UPI logos or ask the cashier if UPI is accepted. 

1. Currency Conversion – Payments are usually debited in INR but converted into local currency at bank-determined forex rates. 

1. Check Fees – Some banks may levy international transaction charges. 

Why UPI Abroad Matters 

1. Convenience – Pay directly from your Indian bank account without carrying forex or cards. 

1. Lower Costs – Saves on foreign card markup fees. 

1. Trust & Familiarity – Same apps and process you use in India. 

1. Boosts Indian Tourism Abroad – Helps travelers in frequently visited countries.