> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# UPI (INR)

> Cross-border: businesses outside India accept UPI from Indian customers, who pay in INR

## Overview

UPI is India's most-used payment method, with over 400 million users. With UPI (INR), your Indian customers pay in their local currency, so they don't have to deal with currency conversion at checkout.

You don't need an Indian entity to accept UPI (INR). You can onboard through your existing HitPay account.

![UPI (INR) at checkout](https://mintcdn.com/hitpay/oy8vus25m7irk3TB/images/changelog/upi-inr.png?fit=max\&auto=format\&n=oy8vus25m7irk3TB\&q=85\&s=4657362ef39b85f3be9fe225af730dc7)

> [!NOTE]
>
> UPI (INR) is separate from [UPI (SGD)](https://docs.hitpayapp.com/payment-methods/upi), where customers pay in SGD. You can enable both.

| Detail | Description |
| :- | :- |
| Fund Credit To | HitPay Balance |
| Charge Confirmation (When the funds reach your Available Balance) | T+5 |
| Presentment Currency (Currency displayed to your customer) | INR |
| Settlement Currency (Currency that you get paid out in) | Your home currency |
| Minimum Amount | INR 1 |
| Maximum Amount | No maximum |
| Activation Time | About 5 business days |
| Supported for online transactions | ✓ |
| Supported for in-person transactions | ✕ |
| Recurring Payments | ✕ (coming soon) |
| Refund Supported | Depends on provider — see [Developer Section](#developer-section) |
| Supported Countries | ALL (Cross-border Payment Method) |
| Transaction Fees | 2% + 1% FX fee at settlement |

## Who can use it

UPI (INR) is a cross-border payment method. It lets businesses outside India accept UPI from customers in India, who pay in INR. It is not for businesses onboarded in India.

* **Markets:** available to businesses onboarded in Singapore, Malaysia, the Philippines, Hong Kong, Australia, and the United States, and to businesses HitPay onboards globally. See [Availability by market](https://docs.hitpayapp.com/getting-started/availability-by-market.md).
* **No Indian entity needed:** onboard through your existing HitPay account.
* **Settlement:** in your home currency, with a 1% FX fee at settlement on top of the 2% transaction fee. Payouts go to your HitPay Balance on T+5.
* **Ticket size:** no maximum.
* **Channels:** online only. Works on [payment links](https://docs.hitpayapp.com/payment-links/payment-links.md), [invoices](https://docs.hitpayapp.com/invoicing/invoice-basics.md), the [online store](https://docs.hitpayapp.com/store/setup-online-store.md), and the [Shopify](https://docs.hitpayapp.com/plugins/shopify.md) and [WooCommerce](https://docs.hitpayapp.com/plugins/woocommerce.md) plugins. Not available for in-person payments.
* **Coming soon:** UPI recurring payments (Autopay) and INR virtual accounts.

## Setup

To start accepting UPI (INR), follow these steps:

1. Go to **Payment Methods** in your HitPay dashboard.
2. Select **UPI (INR)**.
3. Enable it and submit the required documents.

Onboarding takes about 5 business days. You can start accepting UPI (INR) payments once your account is approved.

## Fees and payouts

* **Transaction fee:** 2%
* **FX fee:** 1%, applied at settlement
* **Payouts:** Funds go to your HitPay Balance on T+5

## Developer Section

| Method Code | Refund API Support |
| - | - |
| `upi_01` | ✕ |
| `upi_02` | ✓ |

> [!NOTE]
>
> The method code assigned to your account depends on your UPI (INR) provider. Check **Payment Methods > UPI (INR)** in your onboarding flow to see which one applies to you — this also determines whether refunds are supported.

## FAQs

> [accordion] What is the difference between UPI (INR) and UPI (SGD)?
>
> With UPI (INR), customers pay in INR, their local currency. With [UPI (SGD)](https://docs.hitpayapp.com/payment-methods/upi), customers pay in SGD. They are separate payment methods and are enabled separately.

> [accordion] Do I need an Indian business entity?
>
> No. You can onboard UPI (INR) through your existing HitPay account.

> [accordion] How long does onboarding take?
>
> About 5 business days after you submit the required documents.

> [accordion] Can I use UPI (INR) for in-person payments or subscriptions?
>
> UPI (INR) is available for online payments only and isn't available in person. Recurring payments (UPI Autopay) are coming soon.

> [accordion] Can businesses in India use UPI (INR)?
>
> No. UPI (INR) is for businesses outside India that want to accept payments from customers in India.

> [accordion] Is there a maximum transaction amount?
>
> No. UPI (INR) has no maximum ticket size.


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