Products → UPI (INR)
QUICK ANSWER
HitPay lets businesses outside India accept UPI from Indian customers. Your customers 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. Activation takes about 5 business days.
Why UPI
BACKGROUND
UPI (Unified Payments Interface) is India’s real-time payment network. It runs inside the apps Indian customers already use, including Google Pay, PhonePe and Paytm, and moves money straight from their bank account.
For a business outside India, it matters wherever you sell to customers in India: education and tuition, travel and tours, SaaS and digital services, and ecommerce that ships to India.
UPI (INR) works in checkout and the API, payment links, invoices, the HitPay online store, and the Shopify and WooCommerce plugins. Your customer pays in INR and you’re paid in your home currency.
It isn’t for businesses registered in India. UPI recurring payments (Autopay) and INR virtual accounts are coming soon.
Per transaction · checkout, payment links, invoices and plugins
01. Transaction fee
Settled in your home currency to your HitPay balance
02. Payout
Plus a 1% FX fee at settlement, when the INR your customer pays is converted to your home currency. Minimum INR 1, no maximum ticket size.
Setup
Turn it on once, then take UPI in checkout, links, plugins and the API. Activation takes about 5 business days.
01. Get set up
Turn it on
Create a free HitPay account, or log in to the one you have
Go to Payment Methods → UPI (INR)
Enable it and submit your documents
Approval takes about 5 business days
Indian customers then see UPI at checkout
02. Online
Checkout and links
UPI appears in hosted checkout, payment links and invoices
It also shows in the HitPay online store
The Shopify and WooCommerce plugins pick it up
Your customer picks UPI and approves in their UPI app
Settlement lands in your home currency with your other methods
03. Developers
Payment API
Add
upi_01 or upi_02
to
payment_methods
upi_02 supports refunds through the API
Confirm completion with webhooks rather than the redirect
Method codes are assigned by provider; see the UPI (INR) page in HitPay Docs
Choosing
Both run on one HitPay account. Singapore merchants can enable both: UPI (INR) for online sales to India, UPI (SGD) for Indian visitors in Singapore.
Use UPI (INR) if you:
Sell online to customers in India
Want customers to pay in INR, settled in your home currency on T+5
Take payments in checkout, links, invoices, plugins or the API
Use UPI (SGD) if you:
Are a Singapore merchant serving Indian tourists and expats
Take payments in store with Borderless QR, or online
Want SGD settlement on T+1
COMPARISON
As of 30 Oct 2026, from each provider’s own pages. Check them against your entity and stack before you choose.
Stripe
Offers UPI with INR presentment. Compare it if Stripe already runs your card processing.
HitPay puts UPI (INR) on the same account as PayNow, cards and your other methods, with no monthly fee.
Airwallex
UPI is in early access, settling in USD or your default currency on T+3. Compare it if Airwallex is already your multi-market stack.
HitPay’s UPI (INR) is live at 2% + 1% FX and settles in your home currency on T+5.
TRUST
HitPay Payment Solutions Pte Ltd is MAS licensed in Singapore, and HitPay is BSP registered in the Philippines. 20,000+ businesses use HitPay.
HitPay Payment Solutions Pte Ltd
MAS licensed
PCI DSS Level 1
Related
UPI (INR) works alongside HitPay’s other cross-border tools. Read the UPI (INR) launch post.
FAQ
Can a business outside India accept UPI payments?
Who can use UPI (INR)?
How much does UPI (INR) cost?
What currency do I receive, and when?
Is there a maximum transaction amount?
Where can I use UPI (INR)?
What's the difference between UPI (INR) and UPI (SGD)?
Does UPI (INR) support subscriptions?
How long does activation take?
Still have questions?
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