UPI Payments
in India
Unified Payments Interface for instant INR transfers via VPA or mobile number.
UPI in India
Indian Rupee · INR
Contractor must provide their UPI VPA (e.g., name@bank).
Payment Journey
You fund in USD, stablecoin, or BTC — your contractor in India chooses how they receive it.
Fund your Bitwage Balance
USD via wire/ACH/FedNow, stablecoin (USDC/USDT), or BTC. Fund once — use for all payments.
Create a payment run
Add your India contractor(s) to a batch or individual payment. Set the amount in USD — Bitwage handles everything else.
Converts & delivers via UPI
FX rate locks at approval. Bitwage converts USD → local currency and routes the payment via UPI. Compliance screened automatically.
Funds arrive via UPI
Settlement: Instant. Fees: 0–0.5%. Contractor can also choose USDC, USDT, or Bitcoin instead — they set their preference once.
How UPI Works in India
Bitwage sends a UPI credit push to the contractor's VPA. Settlement is instant across all participating banks and wallets.
Compliance & Security
Foreign payments into India are regulated under FEMA (Foreign Exchange Management Act). Contractors receiving foreign income should file a 15CA/15CB declaration. Bitwage screens all payments against OFAC and RBI watch lists.
The INR is a managed-float currency. Bitwage locks the USD/INR rate at execution, ensuring contractors receive the exact rupee amount quoted at the time of payment approval.
Other Payment Methods in India
UPI in India FAQ
Common questions about UPI payments, settlement, fees, and requirements.
UPI payments to India typically settle in Instant. Bitwage locks your FX rate lock at execution time so recipients receive exactly the amount shown in the payment preview.
Bitwage charges 0–0.5% for UPI payments to India. There are no hidden per-transfer fees beyond the displayed rate. You can see the full cost breakdown before executing via our {{link:products/contractor-payments}} platform.
Contractor must provide their UPI VPA (e.g., name@bank). Bitwage validates all payment details before executing. For batch payments to multiple contractors, use {{link:products/masspay}} to upload a CSV with all recipient details at once.
Yes. With {{link:products/masspay}} you can include any number of India-based contractors in a single payment run, mixing UPI with other local rails. All FX conversions are locked at batch payment processing execution time.
Related Resources
Start Sending UPI Payments to India
Settlement in Instant. Fees from 0–0.5%. OFAC screened on every payment.