PFBNOW INTERGRATIONS!
GPAY INTERNATIONAL! BENEFITS!
Here are some benefits (and a few limitations) of **GPay’s international / cross-border / UPI-International** features (at least as provided in India) based on current info:
---
## ✅ Benefits of using GPay internationally / UPI International
1. **Pay international merchants / e-commerce using UPI**
You can use UPI International via GPay to pay merchants outside India (foreign online stores / e-commerce) that accept an international QR / UPI payment. ([Google Help][1])
2. **Convenience for travellers**
If you’re travelling to countries where this is supported, you can make payments directly with UPI via GPay, so less need for cash or foreign currency. ([Business League - Financial Experts][2])
3. **Expanded UPI footprint**
Google Pay has partnered with NPCI / NIPL to enable UPI outside India—so in future more and more countries could support these payments, making cross-border use simpler. ([The Indian Express][3])
4. **Limits are fairly high**
Transactions up to ₹2,00,000 via UPI International are allowed. ([MySmartPrice.com][4])
5. **Transparent conversion fees**
While there is a currency conversion / bank fee, GPay often lets you see how much conversion and bank charges will be before making the transaction. ([MySmartPrice.com][4])
6. **Relative cost advantage vs older methods**
Because UPI is an infrastructure already used domestically, the additional costs for cross-border UPI may be less than using foreign card charges or other overseas payment gateways. Also, removing “need for international payment gateway” in some cases reduces friction. ([Business League - Financial Experts][2])
---
## ⚠️ Limitations / things to watch out
1. **Not all banks & merchants support it**
Your bank must allow UPI International; and the merchant has to accept international QR / UPI. If either doesn’t support, transaction may fail. ([Google Help][1])
2. **Activation & validity period**
You need to *activate* UPI International for your bank account via GPay. Also, the activation may expire after 7 days, meaning you might need to re‐activate. ([Google Help][1])
3. **Conversion / bank charges**
Even though UPI International may be “free of cost” in terms of GPay’s fees, banks will apply foreign exchange conversion rates, possible fees etc. These can vary bank-by-bank. ([MySmartPrice.com][4])
4. **Amount & country restrictions**
There are only certain countries where UPI International is available (e.g. Bhutan, Nepal, Mauritius, Singapore, Sri Lanka, UAE as per some announcements); also the limit per transaction or within some period may apply. ([Google Help][1])
5. **Regulation / compliance / delays**
Because this is cross-border finance, sometimes additional verification / compliance steps may be needed (e.g., for large amounts). Exchange rates may change. ([Wise][5])
---
If you like, I can check exactly how GPay’s international UPI works for your bank (in Maharashtra) so you know what applies to *you*. Do you want me to check that?
[1]: https://support.google.com/pay/india/answer/13949170?utm_source=chatgpt.com "UPI International - Google Pay Help"
[2]: https://www.businessleague.in/upi-google-pay-partners-with-npci-now-you-can-make-payments-through-gpay-even-in-foreign-countries/?utm_source=chatgpt.com "UPI: Google Pay partners with NPCI, now you can make payments through Gpay even in foreign countries - Business League"
[3]: https://indianexpress.com/article/technology/tech-news-technology/google-pay-partners-with-npci-to-expand-upi-for-international-payments-9112960/?utm_source=chatgpt.com "Google Pay partners with NPCI to expand UPI for international payments | Technology News - The Indian Express"
[4]: https://www.mysmartprice.com/gear/internet/internet-features/how-to-activate-and-use-upi-international/?utm_source=chatgpt.com "UPI International Payments: How To Activate and Use - MySmartPrice"
[5]: https://wise.com/in/blog/google-pay-international-transfers?utm_source=chatgpt.com "Can Google Pay be used internationally in India? [Explained] - Wise"