Accept UPI Payments From Indian Customers and Receive Stablecoins

UPI processes the majority of digital payments in India. For Indian customers it is faster and more familiar than cards — many don't use international cards at all. Accepting UPI as a foreign business has traditionally required an Indian entity and a local payment partner.

How UPI checkout works on Vulta

1. A customer in India opens your payment link.
2. Vulta shows UPI as a payment option (it is only offered to payers in India).
3. Your price is converted to rupees at the live exchange rate — a $25 item is shown in INR.
4. The customer pays with their UPI app on the provider's page.
5. The provider converts the payment and sends stablecoins to your wallet. The payment is marked paid automatically.

Requirements

• A Vulta account and a USDC (Polygon) wallet address.
• A Card or Card + Crypto payment link. UPI appears alongside card providers for payers in India.

Things to know

• India only, INR only. UPI is offered only to payers located in India.
• Provider checks. The UPI provider may verify the payer, as with card on-ramps.
• Minimums and fees are set by the provider and shown on its page.

Why it matters

If you sell software, courses, services or digital goods to Indian customers, UPI can be the difference between a sale and an abandoned checkout.

See card payments for online stores or create a free account.

Frequently asked questions

Do I need an Indian company to accept UPI this way?

No. The UPI provider handles the rupee payment in India, and you receive stablecoins in your wallet.

What exchange rate is used?

Your price is converted to INR at the live rate when the checkout opens. The provider shows the final rupee amount to the customer.

Can non-Indian customers use UPI?

No. UPI is offered only to payers located in India, and requires an Indian UPI account.

Is there a minimum amount?

The provider sets a minimum, shown when the customer chooses UPI. Very small amounts may not be accepted.