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Accept UPI payments from Indian customers in INR, no Indian entity needed
Author:
The HitPay Team
Last Updated:
HitPay's UPI (INR) lets businesses outside India accept UPI from Indian customers, who pay in INR with Google Pay, PhonePe, Paytm or any UPI app. You pay 2% per transaction plus a 1% FX fee, and we settle in your home currency on T+5. You don't need an Indian entity.
Updated 4 Nov 2026
What’s new
We launched UPI (INR) on 30 Oct 2026. It’s a cross-border payment method: if your business is outside India and you sell to customers in India, they can now pay you in INR from the UPI app they already use, and you get paid in your home currency. Full details are on our UPI page.
Why UPI matters if you sell to India
UPI is India’s most-used payment method, with over 400 million users. Customers pay in INR in an app they already use, with no card or foreign-currency step.
Who it’s for
UPI (INR) is for businesses in Singapore, Malaysia, the Philippines, Hong Kong, Australia, the US and any other HitPay market that sell to customers in India. You onboard through your existing HitPay account. It isn’t for businesses registered in India. Good fits include:
Education and tuition
Travel and tours
SaaS and digital services
Ecommerce shipping to India
Where it works
UPI (INR) is online only. You can use it on:
Checkout and API
Payment links
Invoices
The HitPay online store
The Shopify and WooCommerce plugins
Fees and payouts
Item | UPI (INR) |
|---|---|
Transaction fee | 2% |
FX fee | 1%, at settlement |
Setup and monthly fee | None |
Minimum amount | INR 1 |
Maximum amount | No maximum |
Settlement | Your home currency, to your HitPay balance on T+5 |
See HitPay pricing for the rates in your market.
UPI (INR) or UPI (SGD)?
HitPay has two UPI options, and you can enable both.
Detail | UPI (INR) | UPI (SGD) |
|---|---|---|
Customer pays in | INR | SGD |
Best for | Selling online to customers in India | Indian tourists and expats paying Singapore merchants |
Online or in person | Online | Online and in-store QR |
Settles | Your home currency, T+5 | SGD, T+1 |
Subscriptions | Coming soon | No |
Serving Indian tourists in store? See Borderless QR.
How to start
Sign up or log in to HitPay.
Go to Payment Methods, then UPI (INR), enable it and submit your documents.
Once you’re approved, in about 5 business days, Indian customers see UPI at checkout.
For developers
The method codes are upi_01 and upi_02, assigned by provider. upi_02 supports API refunds. See the UPI (INR) docs.
Coming soon
UPI recurring payments (Autopay) and INR virtual accounts.
FAQ
Can a business outside India accept UPI payments?
Yes. With HitPay’s UPI (INR), businesses outside India accept UPI from Indian customers, who pay in INR. You don’t need an Indian entity.
Who can use UPI (INR)?
HitPay merchants in every market we serve, including Singapore, Malaysia, the Philippines, Hong Kong, Australia and the US. It isn’t for businesses registered in India.
How much does UPI (INR) cost?
2% per transaction plus a 1% FX fee. There’s no setup or monthly fee.
What currency do I receive, and when?
Your home currency, in your HitPay balance on T+5.
Is there a maximum transaction amount?
No. HitPay sets no maximum ticket size for UPI (INR).
Does UPI (INR) support subscriptions?
Not yet. UPI recurring payments are coming soon.
How long does activation take?
About 5 business days after you submit your documents.
Local pages: Singapore, Malaysia and the Philippines.
Accept UPI payments from Indian customers in INR, no Indian entity needed
Author:
The HitPay Team
Last Updated:
HitPay's UPI (INR) lets businesses outside India accept UPI from Indian customers, who pay in INR with Google Pay, PhonePe, Paytm or any UPI app. You pay 2% per transaction plus a 1% FX fee, and we settle in your home currency on T+5. You don't need an Indian entity.
Updated 4 Nov 2026
What’s new
We launched UPI (INR) on 30 Oct 2026. It’s a cross-border payment method: if your business is outside India and you sell to customers in India, they can now pay you in INR from the UPI app they already use, and you get paid in your home currency. Full details are on our UPI page.
Why UPI matters if you sell to India
UPI is India’s most-used payment method, with over 400 million users. Customers pay in INR in an app they already use, with no card or foreign-currency step.
Who it’s for
UPI (INR) is for businesses in Singapore, Malaysia, the Philippines, Hong Kong, Australia, the US and any other HitPay market that sell to customers in India. You onboard through your existing HitPay account. It isn’t for businesses registered in India. Good fits include:
Education and tuition
Travel and tours
SaaS and digital services
Ecommerce shipping to India
Where it works
UPI (INR) is online only. You can use it on:
Checkout and API
Payment links
Invoices
The HitPay online store
The Shopify and WooCommerce plugins
Fees and payouts
Item | UPI (INR) |
|---|---|
Transaction fee | 2% |
FX fee | 1%, at settlement |
Setup and monthly fee | None |
Minimum amount | INR 1 |
Maximum amount | No maximum |
Settlement | Your home currency, to your HitPay balance on T+5 |
See HitPay pricing for the rates in your market.
UPI (INR) or UPI (SGD)?
HitPay has two UPI options, and you can enable both.
Detail | UPI (INR) | UPI (SGD) |
|---|---|---|
Customer pays in | INR | SGD |
Best for | Selling online to customers in India | Indian tourists and expats paying Singapore merchants |
Online or in person | Online | Online and in-store QR |
Settles | Your home currency, T+5 | SGD, T+1 |
Subscriptions | Coming soon | No |
Serving Indian tourists in store? See Borderless QR.
How to start
Sign up or log in to HitPay.
Go to Payment Methods, then UPI (INR), enable it and submit your documents.
Once you’re approved, in about 5 business days, Indian customers see UPI at checkout.
For developers
The method codes are upi_01 and upi_02, assigned by provider. upi_02 supports API refunds. See the UPI (INR) docs.
Coming soon
UPI recurring payments (Autopay) and INR virtual accounts.
FAQ
Can a business outside India accept UPI payments?
Yes. With HitPay’s UPI (INR), businesses outside India accept UPI from Indian customers, who pay in INR. You don’t need an Indian entity.
Who can use UPI (INR)?
HitPay merchants in every market we serve, including Singapore, Malaysia, the Philippines, Hong Kong, Australia and the US. It isn’t for businesses registered in India.
How much does UPI (INR) cost?
2% per transaction plus a 1% FX fee. There’s no setup or monthly fee.
What currency do I receive, and when?
Your home currency, in your HitPay balance on T+5.
Is there a maximum transaction amount?
No. HitPay sets no maximum ticket size for UPI (INR).
Does UPI (INR) support subscriptions?
Not yet. UPI recurring payments are coming soon.
How long does activation take?
About 5 business days after you submit your documents.
Local pages: Singapore, Malaysia and the Philippines.
Accept UPI payments from Indian customers in INR, no Indian entity needed
Author:
The HitPay Team
Last Updated:
HitPay's UPI (INR) lets businesses outside India accept UPI from Indian customers, who pay in INR with Google Pay, PhonePe, Paytm or any UPI app. You pay 2% per transaction plus a 1% FX fee, and we settle in your home currency on T+5. You don't need an Indian entity.
Updated 4 Nov 2026
What’s new
We launched UPI (INR) on 30 Oct 2026. It’s a cross-border payment method: if your business is outside India and you sell to customers in India, they can now pay you in INR from the UPI app they already use, and you get paid in your home currency. Full details are on our UPI page.
Why UPI matters if you sell to India
UPI is India’s most-used payment method, with over 400 million users. Customers pay in INR in an app they already use, with no card or foreign-currency step.
Who it’s for
UPI (INR) is for businesses in Singapore, Malaysia, the Philippines, Hong Kong, Australia, the US and any other HitPay market that sell to customers in India. You onboard through your existing HitPay account. It isn’t for businesses registered in India. Good fits include:
Education and tuition
Travel and tours
SaaS and digital services
Ecommerce shipping to India
Where it works
UPI (INR) is online only. You can use it on:
Checkout and API
Payment links
Invoices
The HitPay online store
The Shopify and WooCommerce plugins
Fees and payouts
Item | UPI (INR) |
|---|---|
Transaction fee | 2% |
FX fee | 1%, at settlement |
Setup and monthly fee | None |
Minimum amount | INR 1 |
Maximum amount | No maximum |
Settlement | Your home currency, to your HitPay balance on T+5 |
See HitPay pricing for the rates in your market.
UPI (INR) or UPI (SGD)?
HitPay has two UPI options, and you can enable both.
Detail | UPI (INR) | UPI (SGD) |
|---|---|---|
Customer pays in | INR | SGD |
Best for | Selling online to customers in India | Indian tourists and expats paying Singapore merchants |
Online or in person | Online | Online and in-store QR |
Settles | Your home currency, T+5 | SGD, T+1 |
Subscriptions | Coming soon | No |
Serving Indian tourists in store? See Borderless QR.
How to start
Sign up or log in to HitPay.
Go to Payment Methods, then UPI (INR), enable it and submit your documents.
Once you’re approved, in about 5 business days, Indian customers see UPI at checkout.
For developers
The method codes are upi_01 and upi_02, assigned by provider. upi_02 supports API refunds. See the UPI (INR) docs.
Coming soon
UPI recurring payments (Autopay) and INR virtual accounts.
FAQ
Can a business outside India accept UPI payments?
Yes. With HitPay’s UPI (INR), businesses outside India accept UPI from Indian customers, who pay in INR. You don’t need an Indian entity.
Who can use UPI (INR)?
HitPay merchants in every market we serve, including Singapore, Malaysia, the Philippines, Hong Kong, Australia and the US. It isn’t for businesses registered in India.
How much does UPI (INR) cost?
2% per transaction plus a 1% FX fee. There’s no setup or monthly fee.
What currency do I receive, and when?
Your home currency, in your HitPay balance on T+5.
Is there a maximum transaction amount?
No. HitPay sets no maximum ticket size for UPI (INR).
Does UPI (INR) support subscriptions?
Not yet. UPI recurring payments are coming soon.
How long does activation take?
About 5 business days after you submit your documents.
Local pages: Singapore, Malaysia and the Philippines.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.