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General Information

About Cheq

A1: Cheq UPI is a digital wallet designed specifically for foreign nationals and NRIs/OCIs traveling or residing in India, enabling secure transactions at over 55 million registered merchants across the country.

A2: Both foreign nationals and NRIs/OCIs can use Cheq UPI. Note that NRIs with a foreign passport are categorized as foreign nationals, while those with an Indian passport have access to a different wallet type.

Foreign nationals from these countries are not allowed: Albania, Barbados, Burkina Faso, Cambodia, Cayman Islands, Haiti, Jamaica, Jordan, Mali, Malta, Morocco, Myanmar, Nicaragua, Pakistan, Panama, Philippines, Senegal, South Sudan, Syria, Turkey, Uganda and Yemen

A3: Yes, there is a one-time joining fee of INR 999, payable after downloading the app. This fee facilitates the provision of a secure and efficient digital wallet service. Joining fees can be paid online using your international card. Joining fees can’t be paid through cash

App Download & Installation

A4: The app is available for both Android and iOS devices. Visit your respective app store, search for “Cheq UPI,” and proceed to install/download the app.

A5: While the app itself is free to download, a one-time joining fee of INR 999 is required after installation.

Account Registration & Verification

A6: Start by downloading the app, verifying your SIM, filling in your passport details, and completing the physical verification process. Your account will be active post-verification.

A7: Provide your passport details, including name, date of birth, and a selfie. Ensure all information is accurate and clear.

A8: The process is generally quick, but the duration can vary based on the accuracy of provided information and the time taken for in-person verification.

SIM Verification

A9: Input your mobile number in the app to receive an OTP via SMS, WhatsApp, or email. Enter this OTP in the app to complete verification.

A10: Preferably, yes, especially at the time of account creation. Ensuring your international SIM is active during this period is crucial for a smooth verification process.

A11: Yes, Cheq UPI works with both. Ensure the SIM you registered with (be it international or Indian) is active during the SIM verification process. Post-verification, it does not matter much which SIM is active.

In-person Verification

A12: In-person verification can be completed in select cities across India, either by visiting a branch or booking an agent through the app. Present your original documents during verification.

A13: Foreign Wallet: Original Passport, Valid eVisa, Immigration stamp on the passport with the date of entry into India.

NRI Wallet (Indian Passport Holders): Original Passport, Foreign country’s driving license or any other document, and any Indian Identity Card like Aadhar or PAN.

Wallet Activation & Usage

A14: After account verification, add money using international bank-issued credit/debit cards or net banking. Cash deposits are accepted at branches. Please note that there is an INR 5,000 limit on adding money for the first 24 hours.

A15: The payment gateway applies a charge of ~2.95% (2.5% fee plus taxes) on the total amount added, which is directly billed to the user. Currency conversion is handled by the user’s bank, with no additional charges from CheqUPI.

A16: Make payments at registered merchants using scan & pay on QR codes or by sending money to the merchant’s UPI ID. No additional transaction fee is charged.

Payment Policy

A17: Yes, The following limits apply to various payment out functions such as Scan & Pay, Pay to Contacts, Withdraw, Collect, and Intent. Users are encouraged to plan their transactions within these specified limits to ensure a seamless payment experience. 

  • All Transactions (Monthly Limit)
    • Monthly Transaction Volume: Limited to INR 3,00,000
  • All Transactions (Daily Limit)
    • Daily Transaction Count: Maximum of 20 transactions per day
    • Daily Transaction Volume: Limited to INR 1,00,000
  • Peer-to-Peer (P2P) Transactions (Daily Limit)
    • Daily P2P Transaction Count: Maximum of 10 transactions per day
    • P2P is only allowed to Indian nationals as per RBI regulations
  • All Transactions (First 24 Hours)
    • Transaction Volume for New Users: Limited to INR 5,000 during the first 24 hours of account activation
  • All Transactions (Hourly Limit)
    • Hourly Transaction Count: Maximum of 5 transactions per hour
  • All Transactions (Every 5 Minutes)
    • Transaction Count: Maximum of 3 transactions every 5 minutes
  • Per Transaction Limit
    • Maximum Amount per Transaction: INR 80,000
    • Note: This limit is product-specific and may vary for different CheqUPI services.
  • Collect Requests (Daily Limit)
    • Daily Collect Request Count: Maximum of 5 requests per day
  • External Wallet Recharge
    • Transaction Volume per Recharge: Limited to INR 5,000

A18: Users are advised to adhere to these limits when adding money to their wallet. 

  • Add Money (Monthly Limit)
    • Monthly Transaction Volume: Limited to INR 3,00,000
  • Add Money (Daily Limit)
    • Daily Transaction Count & Volume: Limited to only 2 transactions above INR 5,000 per day
  • Add Money (Per Transaction Limit)
    • Maximum Amount per Transaction: INR 70,000
    • Note: This limit is product-specific and may vary for different CheqUPI services.
  • Add Money (Same Amount Limit)
    • Frequency for Adding the Same Amount: Only 1 transaction allowed every 5 minutes

A19: If you need to withdraw unutilized funds from your Cheq UPI account, reach out to our customer care team through the help section in our app.

Once your withdrawal request is received, Cheq’s team will initiate the process within 24 hours. You can expect to receive the unutilized funds in your source account within 8-10 business days, though the exact timeline may vary depending on your bank and other factors.

Refunds & Account Modifications

A20: We offer a no-questions-asked refund policy. Email us at with your refund request and reason, and the amount will be credited back to your source account within 10-12 days

A21: Send an email to with your old and new numbers and the reason for the change. Your request will be processed within 7 days.

Technical Support & Contact

A22: Our customer support team is available at +919845563750 via call or WhatsApp, or at via email, from 9 AM to 9 PM IST Mon-Fri, and 10 AM to 7 PM Sat-Sun. Currently, support is provided in English.

A23: Customer support is available from 9 AM to 9 PM IST Monday to Friday, and from 10 AM to 7 PM IST on Saturdays and Sundays.

Security & Privacy

A24: Cheq UPI employs state-of-the-art security measures to ensure your personal and financial information is kept secure at all times.

A25: Your privacy is paramount. Your personal information is encrypted, securely stored, and not shared with third parties without your explicit consent.


Terrafin Solutions Private Limited
#231, Eden Au Lac, Indiranagar – 560038

Phone: +91 9845 563 750

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