Accept UPI payments from India, without an Indian entity

Why UPI matters

UPI processes the majority of digital payments in India. Many Indian buyers do not have cards that work for international purchases, so without UPI a large share of them simply cannot pay you.

How it works

1. Create a payment with "provider": "transak" or send a payment link with that method pinned.
2. The buyer chooses UPI, pays in rupees from their UPI app and completes the partner’s one-time check on a first payment.
3. The payment is converted to USDC and sent to your wallet; your webhook receives payment.succeeded.

curl -X POST https://api.utopay.app/v1/payments \
  -H "Authorization: Bearer utopay_sk_live_..." \
  -H "content-type: application/json" \
  -d '{ "amount": 40, "currency": "USD", "provider": "transak",
        "description": "Course access" }'

Good to know

• The minimum is about $30 — for smaller tickets, offer crypto as an option.
• Transak also offers cards and bank transfers in other countries, so the same flow works beyond India.
• You do not need an Indian company, a GST registration or an Indian bank account.

Updated October 11, 2026 · UTOPAY team