> For the complete documentation index, see [llms.txt](https://developer.paddle.com/llms.txt).

# UPI International

Let customers pay with UPI International. No configuration required.

---

## Key attributes

| Attribute | Value |
| --- | --- |
| Countries | IN |
| Currencies | USD |
| Platforms | Desktop |
| One-time items | Supported |
| Subscriptions | Not supported |
| Capture | Deferred |
| Chargebacks | Supported |
| Refunds | Supported |
| Installments | Not supported |
| Can be presented when saved? | Not supported |
| Express checkout | Not supported |

UPI International (Unified Payments Interface) is a realtime system that allows users to link multiple bank accounts to a single app for easy digital payments.

It's the main way to pay online in India, processing the majority of transactions in the country. Beyond India, UPI International is becoming an emerging player in the future of cross-border payments, [integrating with banks](https://www.npci.org.in/what-we-do/upi-global/upi-global-acceptance/live-members) in the United Arab Emirates, Singapore, France, and Sri Lanka.

You don't need to set up a bank account in India or sign up for a UPI merchant account to add UPI International as a payment option with Paddle.

{% card-group cols=3 %}
{% card title="primary market" stat="IN" statColor="blue" %}
More than 80% of digital payments in India go through UPI.
{% /card %}

{% card title="active users" stat="~350m" statColor="purple" %}
Supported by over 600 banks, UPI has over 350 million active users.
{% /card %}

{% card title="processed per year" stat="$3.3tn" statColor="green" %}
In FY 2025, UPI processed over 185 billion transactions worth ₹261 trillion.
{% /card %}
{% /card-group %}

{% collapsible title="Popular supported banks" %}

- AU small Finance Bank
- Axis Bank Ltd
- Bank of Baroda
- Bank of India
- Bank of Maharashtra
- Bharat Co-operative Bank
- Canara Bank
- Central Bank of India
- City Union Bank
- CSB Bank Ltd
- DBS Bank Ltd
- DCB Bank
- Dhanlaxmi Bank Ltd
- Equitas Small Finance Bank
- HDFC Bank Ltd
- ICICI Bank
- Indian Bank
- IndusInd Bank
- Janata Sahakari Bank Ltd. Pune
- Karur Vysya Bank
- Kotak Mahindra Bank
- NKGSB Bank
- Punjab and Sind Bank
- Punjab National Bank
- RBL Bank
- Saraswat Bank
- South Indian Bank
- State Bank of India
- Suryoday Small Finance Bank Ltd.
- Tamilnadu Mercantile Bank
- TJSB Sahakari Bank Ltd
- UCO Bank
- Union Bank of India
- Yes Bank Ltd

For a full list, see [UPI global acceptance](https://www.npci.org.in/what-we-do/upi-global/upi-global-acceptance/live-members).
{% /collapsible %}

{% collapsible title="Popular supported apps" %}
Customers must turn on UPI International in their UPI app. If not enabled, most apps should prompt customers to turn on as part of the checkout flow.

- BHIM
- Aditya Birla
- Canara Bank (ai1)
- DBS Bank Ltd (digi bank by DBS India)
- Dhanlaxmi Bank (BHIM DLB UPI)
- Federal Bank (FedMobile)
- Freecharge
- GPay
- Groww
- ICICI Bank (iMobile)
- Indian Bank (IndOASIS)
- Indian Overseas Bank (BHIM IOB UPI)
- IndusInd Bank (BHIM Indus Pay)
- Jio (Jio Finance App)
- Karnataka Bank (BHIM KBL UPI)
- Karur Vysya Bank (BHIM KVB Upay)
- Paytm
- Phonepe
- Punjab National Bank (BHIM PNB)
- South Indian Bank (SIB Mirror+)
- State Bank of India (BHIM SBIPay)
- TATA Neu
- UCO Bank (BHIM UCO)
- WhatsApp Pay

For a full list, see [UPI global acceptance](https://www.npci.org.in/what-we-do/upi-global/upi-global-acceptance/live-members).
{% /collapsible %}

## How it works

{% journey %}
{% journey-step title="Customer chooses UPI" %}

Turn on UPI in a couple of clicks in your Paddle dashboard. Paddle automatically presents UPI as a payment method for customers paying on desktop in a supported country and currency.

{% /journey-step %}

{% journey-step title="Customer starts confirmation" %}

Customers are prompted to scan a QR code with their phone.

They can also copy the UPI key and paste it into their banking app manually.

{% /journey-step %}

{% journey-step title="Customer turns on UPI International" %}

If the customer doesn't have UPI International turned on, most banking apps prompt them to enable it as part of the payment flow.

If not prompted, they'll need to turn on UPI International in their banking app then try to pay again.

{% /journey-step %}

{% journey-step title="Customer confirms purchase" %}

Customer confirms purchase on their phone using their banking app. The exact process varies depending on the banking app the customer uses, but typically they'll authenticate using on-device biometrics.

{% /journey-step %}

{% journey-step title="Payment authorized" %}

Payment is authorized, and Paddle Checkout shows a screen that confirms the checkout is completed, but the payment is pending capture.

{% /journey-step %}

{% journey-step title="Payment completed" %}

After authorization, payment is captured. This typically happens immediately after authorization, but can take up to ten minutes.

The transaction is marked as completed in Paddle, and the customer receives a copy of their invoice by email.

{% /journey-step %}
{% /journey %}

## Accept UPI International

### Set up prices in USD

If you've turned on automatic currency conversion, Paddle automatically localizes prices in India to `INR`.

As UPI International is only available for prices in `USD`, you need to [create a country-price override for India](https://developer.paddle.com/build/products/offer-localized-pricing.md) to present customers in India with a price in `USD`.

{% instruction-steps %}

1. Go to **Paddle > Catalog > Products**, then find the product you want to present UPI for.
2. Find the price you want to create a price override for in the list, then click the **…** action menu and choose **Edit** from the menu.
3. Under the country-specific prices section, add an override for India where the currency is `USD`.
4. Click **Save** when you're done.

{% /dashboard-instructions %}

When you do this, your prices in India will be presented in `USD` — including for other payment methods like card or PayPal.

To learn more, see [Localize prices](https://developer.paddle.com/build/products/offer-localized-pricing.md).

### Request approval for UPI International

To keep the Paddle platform safe for everyone, the early access program for UPI International requires additional approval from Paddle. It's not available for any products related to online gaming.

You can request to join the early access program for UPI International if you agree that you don't offer products related to online gaming using UPI International.

To apply, contact [sellers@paddle.com](mailto:sellers@paddle.com).

### Turn on UPI International

Once approved, turn on UPI International.

{% instruction-steps %}

1. Go to **Paddle > Checkout > Checkout settings**.
2. On the General tab, check **UPI International**.
3. Click **Save** to apply.

{% /dashboard-instructions %}

## Test UPI International

You can test UPI International using your Paddle sandbox account.

1. Turn on UPI International for your Paddle account.
2. Open a checkout for a one-time item that's priced in `USD` (US Dollar).
3. Pick India as the country, then enter an email and PIN code.
4. Select UPI as the payment method.
5. Click **Pay with UPI** and follow the prompts to complete purchase.

{% callout type="info" %}
Paddle Checkout only presents UPI International as a payment method for one-time items priced in `USD`, where the customer address is in India.
{% /callout %}