Paytm UPI for NRIs with International Mobile Numbers

Paytm & NPCI Launch UPI Services for NRIs: A Game-Changer in Global Digital Payments

In a groundbreaking move set to redefine the landscape of digital payments, Paytm, in collaboration with the National Payments Corporation of India (NPCI), has launched Unified Payments Interface (UPI) services for Non-Resident Indians (NRIs). This initiative enables NRIs to link their international mobile numbers with UPI and perform seamless digital transactions within India — a massive leap forward in India’s vision of globalizing its fintech ecosystem.

This development not only strengthens India’s digital infrastructure but also bridges the financial gap between overseas Indians and the domestic payment network, creating a truly borderless payment experience. times.motormitra

Connecting the Global Indian

For years, NRIs have relied on traditional remittance channels or Indian SIM cards to send money and make payments in India. However, these methods often involved delays, high conversion fees, and complex verifications. Recognizing the need for a more efficient system, Paytm and NPCI have now extended UPI’s capabilities to international users, giving them direct access to India’s fastest-growing digital payment framework.

Through this service, NRIs can now register their international mobile numbers on Paytm and connect their NRE (Non-Resident External) or NRO (Non-Resident Ordinary) bank accounts to seamlessly send, receive, and pay within India — all without the need for an Indian phone number or physical presence.

This marks a significant milestone in India’s fintech evolution, promoting inclusivity and strengthening the nation’s ambition to make UPI a global financial standard. times.motormitra

Also Read – India Approves ₹5,532 Cr Electronics Projects | ECMS Boost 2025

Key Highlights of the Initiative

• International Mobile Number Integration: NRIs can now link their overseas mobile numbers directly to UPI, eliminating the need for an Indian SIM card.
• Beta Mode Launch: The service is currently live in beta testing mode, ensuring smooth functionality before a wider rollout.
• Global Availability: The initial rollout covers 12 countries, including major NRI hubs such as the USA, UK, UAE, Singapore, Canada, and Australia.
• Partnership with NPCI: The move comes under the strategic guidance of NPCI International Payments Limited (NIPL), which has been spearheading UPI’s global expansion.
• Seamless Merchant Payments: NRIs can use UPI for payments at millions of Indian merchants and platforms, from Paytm and PhonePe to Google Pay and BharatPe.

💡 What This Means for NRIs

The new feature is a game-changer for millions of Indians living abroad. It enables NRIs to participate actively in India’s digital economy while maintaining ease of access from their country of residence. Here’s how it benefits them:

• Effortless Money Transfers: Send money to family and friends in India directly using UPI, without worrying about banking intermediaries or delays.
• Easy Payments During Visits: When visiting India, NRIs can use their international mobile numbers to make UPI payments for shopping, dining, travel, and more.
• Access to Indian Services: UPI-linked Paytm accounts allow NRIs to use Indian e-commerce platforms, streaming services, and online marketplaces that support UPI payments.
• No Need for Indian SIM: This service completely removes the dependency on maintaining an Indian mobile number for transactions — a huge convenience for long-term residents abroad. times.motormitra

How It Works: Step-by-Step Setup

Setting up UPI for international users is straightforward and secure. Here’s how NRIs can activate the service:

1. Download Paytm App: Install the Paytm app on your smartphone from Google Play Store or Apple App Store.
2. Register Using International Number: Choose your country code and sign up using your overseas mobile number.
3. Link Your NRE/NRO Bank Account: Connect your eligible NRE or NRO account from any UPI-participating Indian bank.
4. Complete KYC Verification: Verify your account details as per NPCI and RBI’s KYC norms.
5. Activate UPI Services: Once verified, UPI access will be activated for your international mobile number. You can now make payments, scan QR codes, and transfer funds instantly. times.motormitra

Also Read – India Launches Trishul 2025 | Tri-Service Drill Near Pak Border

Supported Countries (Phase 1 Rollout)

The beta version of this program currently supports NRIs from the following 12 countries, with more nations to be added in future updates:

This list strategically includes countries with large Indian diaspora populations and strong remittance links to India. times.motormitra

Strategic Impact on India’s Fintech Ecosystem

This move is more than just a product upgrade — it’s a strategic financial step aligned with India’s long-term digital vision.

1. Globalizing UPI:
   The initiative supports India’s ambition to position UPI as a global digital payment model, potentially setting the stage for cross-border UPI acceptance worldwide.
2. Boosting Remittances:
   With UPI-enabled NRE/NRO accounts, the process of sending money to India becomes faster and more cost-efficient. It could significantly increase the volume of inward remittances, which already form a large part of India’s foreign exchange inflow.
3. Enhancing Financial Inclusion:
   NRIs, who previously struggled to access Indian digital platforms, can now be part of the ecosystem — bridging the financial gap between India and its global citizens.
4. Strengthening India’s Soft Power:
   By making UPI an international payment standard, India is effectively exporting its fintech innovation, enhancing its global reputation as a leader in digital infrastructure. times.motormitra

Also Read – Historic Win! India Bags Two Golds at Pickleball World Cup 2025

Security & Compliance Measures

Both Paytm and NPCI have emphasized that user safety remains the top priority. The platform is built on end-to-end encryption, ensuring that all transactions are completely secure.

• KYC & Verification: NRIs must undergo proper Know Your Customer (KYC) verification through their respective banks before linking UPI.
• Regulatory Compliance: The system follows RBI guidelines and adheres to international data protection and privacy standards.
• Secure Channels: Every payment, whether domestic or international, passes through NPCI’s UPI network, ensuring traceability and fraud prevention. times.motormitra

Future Outlook: What Lies Ahead

As the beta testing phase matures, Paytm and NPCI plan to gradually expand the service’s scope. Some upcoming developments include:

• Expansion to More Countries: The next phase will likely cover regions like Europe, Africa, and Southeast Asia, where Indian populations continue to grow.
• Cross-Border Merchant Payments: NPCI is exploring UPI integration with international merchants, enabling direct INR payments from global locations.
• Collaborations with Global Banks & Fintechs: Future updates could include partnerships with global banks and fintech providers for smoother onboarding and interoperability.
• Integration with NPCI’s RuPay Network: A potential synergy between UPI and RuPay could offer NRIs even greater flexibility in managing finances both abroad and in India. times.motormitra

Conclusion

The launch of UPI services for NRIs via Paytm and NPCI is not just a technological upgrade — it’s a symbol of India’s digital inclusivity and financial innovation. It empowers millions of Indians living abroad to stay connected with their homeland’s economy in a fast, secure, and convenient way.

As this initiative evolves, it has the potential to reshape the global digital payments ecosystem, position India as a fintech pioneer, and strengthen the economic ties between India and its global diaspora.

For more such updates and latest news on cars and bikes stay connected to times.motormitra.in
Thank you ..