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UPI can work at select merchant locations overseas, but acceptance is not universal. Before relying on it, confirm that your destination, bank account and UPI app are supported, activate the international-payment feature if available, and check the merchant and full amount before entering your UPI PIN. Keep your registered mobile access secure and have another way to pay.
Can you use UPI while traveling internationally?
Yes, in some places. NPCI describes UPI Global Acceptance as a way to pay by scanning QR codes at select international merchant locations. It is not a guarantee that UPI will work at every shop, in every country, or with every bank and app.
Before you travel, check the current NPCI information and your bank’s or app’s own guidance for the exact destination, bank account and app combination you plan to use. Keep another payment method available in case a merchant does not accept UPI or the service is unavailable.
Do not confuse overseas merchant payments with international mobile-number support
UPI Global Acceptance concerns an Indian account holder paying an accepted merchant QR code abroad. NPCI’s separate live-members listing covers support for certain international mobile numbers linked to NRE/NRO accounts. That list is not a definitive list of countries where overseas merchants accept UPI. International-number support also depends on the participating bank and app, and bank terms.
#1 Best Overall
- SECURE YOUR WALLET FROM e-PICKPOCKETING: Prevent potential identity and financial theft through your contactless cards. This is the simplest and most effective prevention solution! Block RFID and NFC signals, protect your personal information, and enjoy peace of mind wherever your travels or business take you.
- JAMMING CHIP: An antenna and jamming chip makes up the main components of the card. The antenna will sense incoming radio waves and draw power for the chip to create a jamming signal. Lifetime usage as the card does not require battery.
- BROAD WORKING DISTANCE: With a 2.4” working distance, your entire wallet stays protected. The premium RFID blocking card helps secure cards within 1.2” on either side, providing reliable protection against electronic pickpocketing.
- ULTRA-THIN & COMPACT: At the size of a standard credit card and at only 0.03” thick, the card will fit into any wallet, purse or card case. Keep your wallet compact with no added bulk from this card. Best for travel, business, and everyday use.
- TEST THE CARD: Test the card is working at your local supermarket. At the self-service checkout machines, combine the card and a contactless card on the payment reader. Payment with the contactless card will be blocked and an error message should occur on the reader.
Prepare your account and phone before departure
- Check current eligibility. Verify the destination and your specific bank and app with NPCI and the provider’s current support guidance. International acceptance and participating providers may change.
- Activate the feature for the right account. If your app offers UPI Global or UPI International, follow its instructions to enable international merchant payments for the bank account you intend to use.
- Confirm how you will authenticate. Ask your bank or app whether your setup requires the Indian SIM to remain active, SMS access, roaming or another verification step. NPCI’s guidance does not establish one roaming rule for every provider, so do not assume that roaming is always required or unnecessary.
- Protect the phone itself. Use your usual screen lock and keep the device with you. These are general device-security precautions, not a special UPI guarantee.
- Keep a backup payment method. Select-location acceptance means UPI should not be your only way to pay abroad.
Make each payment safely at the merchant
- Confirm acceptance. Look for a BHIM UPI or network-partner acceptance mark and ask the merchant whether it accepts UPI.
- Scan only the merchant’s payment QR. Check the merchant details before proceeding.
- Review the amount before authorizing. Verify the final amount in both foreign and Indian currency, along with any displayed exchange rate or fee. Stop if the merchant, amount or conversion information is wrong or unclear. NPCI’s international payment instructions specifically tell users to verify these details.
- Enter your UPI PIN only for a payment you intend to make. NPCI says, “Please do not share your UPI-PIN with anyone,” and notes that customer support will never ask for it. Do not disclose it to someone claiming to be from your bank, payment app or customer support.
- Wait for confirmation. Check the app’s success status and payment notifications. Keep the transaction reference in case you need to follow up.
Recognize requests that are designed to steal money
Scanning a QR code and entering your UPI PIN authorizes a payment; it does not receive money. Treat unsolicited instructions to scan a QR code and enter your PIN for a reward, cashback, refund or other incoming payment as a warning sign. Do not follow unfamiliar links or install an app because a stranger or unsolicited message tells you to. NPCI’s UPI fraud guidance warns about fake links and social engineering.
If your phone or SIM is lost, changed or compromised
If the phone is lost
Contact your bank promptly through an official channel and ask what steps it recommends to secure the account. Block the linked mobile number or SIM with your mobile operator as appropriate. Do not rely on a number or link sent by an unsolicited caller or message.
Rank #2
- STYLISHLY SMALL, SLIM & DISCREET: Measuring just 3 1/8" x 4 7/16", our RFID front pocket wallet is designed to be super thin and exceptionally slim. Its modern, minimalist profile fits perfectly in your pocket, purse, or travel pack without adding bulk.
- SURPRISINGLY SPACIOUS: Though slim, it features 8 slots to easily organize your essentials. Comfortably holds your driver's license, credit cards, debit cards, and membership cards, keeping everything you need right at your fingertips.
- ADVANCED RFID BLOCKING: Our slim wallets for men and women are outfitted with advanced RFID SECURE Technology. They block electronic signals to keep your identity protected while you travel, shop, or explore, safeguarding you from digital theft.
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If you replace your SIM, change phones or switch apps
Do not assume your UPI registration will carry over unchanged. NPCI says a change to the SIM, handset or PSP app can require UPI re-registration. Check your bank’s or app’s current process before making the change, especially while traveling.
If a payment is pending or the debit is unclear
Check the transaction status in your participating bank’s UPI app. If it is pending, failed or debited without confirmed merchant credit, contact your bank through its official support channel and retain the transaction reference. NPCI identifies the participating bank’s UPI app as a route for checking status or raising a grievance.
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- HIDDEN MONEY BELT FOR TRAVEL – Slim Concealed Passport Holder Under Clothes: At just 0.2" thick, this slim hidden money belt for travel stays invisible under a t-shirt or dress shirt – a concealed passport holder, undercover money belt, and discreet body wallet contoured for men's and women's body shapes. In multiple discreet colors to match any wardrobe, it keeps cash, cards, and travel documents hidden in airports, hotels, crowded markets, tourist attractions, and public transportation.
- RFID-BLOCKING ANTI-THEFT TRAVEL WALLET – Digital Pickpocket Protection: Multi-layer RFID blocking fabric shields your passport, contactless credit cards, and ID at the 13.56 MHz frequency targeted by skimmers – yet your cards scan normally once removed. As both an anti-theft travel wallet and anti-pickpocket money belt, it stops digital pickpocketing in airport security lines, train stations, and crowded tourist hotspots – safer than a back pocket, exposed wallet, or open shoulder bag.
- SPACIOUS PASSPORT & TRAVEL MONEY POUCH – Organized Travel Passport Holder: Two zippered pockets with inner mesh dividers form a travel passport holder and passport pouch for travel – holding a US or international passport, up to 10 credit cards, multiple currencies in folded cash, and a smartphone up to 6.9" (fits iPhone 15 / 16 / 17 Pro Max). Slim as a travel wallet under clothes, quick-access zippers open without removing it – a lightweight travel money pouch that beats neck pouches and hotel safes.
- COMFORTABLE & DURABLE TRAVEL BELT WALLET – N0-Slip Secure Fit: Soft moisture-wicking mesh stops sweat and skin irritation in humid heat, while 210D water-resistant ripstop nylon keeps your passport and phone dry in rain and splashes (not submersible) – hand wash and air dry. The adjustable elastic waistband fits 29"–58" waists; a locking side-release clip stays bounce-free and won't trigger metal detectors. At 0.26 lbs, this lightweight money belt suits summer, winter, and year-round travel.
- LIFETIME GUARANTEE & TRUSTED TRAVEL SECURITY – #1 Trravel Companion for Men and Women : Every VENTURE 4TH money belt carries our Lifetime Replacement Guarantee, trusted by 9,000+ 5-star travelers. With its slim 0.2" profile and multi-layer RFID shielding, this hidden waist wallet beats bulky fanny packs, uncomfortable neck pouches, and hotel safes left behind. If anything goes wrong with your travel passport holder or anti-theft money belt, we'll replace it – no questions asked.
Rank #4
- FUNCTIONALITY: Our RFID wallet not only offers security, it's also very functional. It features 6 card slots for you to place your most frequently used cards
- RFID BLOCKING TESTED & APPROVED BY INDEPENDENT LAB TESTS: Our wallets have been tested for 13.56 MHz Frequency in which our credit cards, debit cards, driver license and ID cards operate. please note that this wallet can't block some 142 kHz card signals
- ENHANCES PERSONAL SECURITY: We leverage top RFID technology to block RFID signals used to electronically scan your wallet as someone passes by unnoticed. This keeps your vital information in driver license, debit cards and credit cards from being stolen
- SUPER MINIMALIST & SLIM: Only 0.12" thick; Sizing 3.3" x 4.1" x 0.12"; extremely convenient to be carried around in your front or back pocket.
- UNISEX DESIGN: Appreciated by both men and women, these RFID slim wallets for men and women feature a sleek design and smooth leather, making them popular minimalist wallets for all. They're a perfect gift for the globetrotters in your life
Rank #3
- LIFETIME REPLACEMENT GUARANTEE – We individually test every HERO Neck Wallet in the USA before shipping. And every order comes backed by our lifetime replacement guarantee. If anything ever goes wrong we will send you a replacement absolutely free!
- HANDS-FREE TRAVEL POUCH – Our ultimate universal travel neck wallet conceals passports, IDs, credit cards, cash, iPhones (incl. 17 Pro Max without a bulky case), tickets, and valuables, keeping personal items hidden discreetly on the go.
- PROTECTIVE RFID LINING – Each unisex passport wallet features multi-RFID layers that shield credit cards, bank cards, passports and any other personal information from potential e-theft.
- SUPPORTS RUGGED ADVENTURES – We only use premium ripstop nylon fabric and heavy duty YKK zippers to make our passport travel wallets stronger, more durable, and more resilient for a lifetime of world-wide adventures.
- STREAMLINED ACCESSIBILITY – A stylish, easy-to-use design, that’s comfortable and lightweight. Our HERO Neck Wallet makes it super easy to add or remove items, including passports & large smartphones, for quick travel access.
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