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.
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
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
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.
While the app itself is free to download, a one-time joining fee of INR 999 is required after installation.
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.
Provide your passport details, including name, date of birth, and a selfie. Ensure all information is accurate and clear.
The process is generally quick, but the duration can vary based on the accuracy of provided information and the time taken for physical verification.
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.
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.
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 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.
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
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.
A charge of 2.95% (including taxes) is applied when adding money to your wallet, covering payment gateway costs and forex conversion costs.
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.
We offer a no-questions-asked refund policy. Email us at contactus@terrafin.tech with your refund request and reason, and the amount will be credited back to your source account within 10-12 days.
Send an email to contactus@terrafin.tech with your old and new numbers and the reason for the change. Your request will be processed within 7 days.
Our customer support team is available at +919845563750 via call or WhatsApp, or at contactus@terrafin.tech 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.
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.
Cheq UPI employs state-of-the-art security measures to ensure your personal and financial information is kept secure at all times.
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
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