Pay any UPI QR in India, even without an Indian bank account

UPI Pay Assist helps visitors to India pay shops that accept UPI. You scan the shop's QR code and fund the payment in USDC, a US-dollar stablecoin. A verified local payer settles the rupee side over UPI, and the shop receives a normal UPI payment.

How it works

1. ScanThe visitor scans the shop's UPI QR code and enters the amount in rupees. We show the price in USDC, including our fee.

2. FundThe visitor sends the quoted USDC. The order is held until the shop is paid.

3. Local payerA local payer pays our Razorpay payment link in rupees through UPI (PhonePe, Google Pay, Paytm and other UPI apps). Razorpay confirms the payment.

4. Shop paidWe pay the shop's UPI QR the exact amount and share the UPI reference number with the visitor. The local payer receives the visitor's USDC.

Who it is for

Visitors who hold USDC and want to pay Indian shops that only accept UPI. Local payers in India who want to exchange rupees for USDC by paying merchants on visitors' behalf.

Pricing

Item	Price
Service fee (visitor)	1.5% of the rupee amount, added to the USDC quote
Exchange rate	Shown on every quote before you pay; valid for that order
Local payers	No fee; they receive the USDC quoted for the order

Orders are limited to ₹2,000 each. Prices are in Indian Rupees (INR) and USDC.

Important

USDC is a digital asset. Its use may be restricted in some countries; you are responsible for complying with the laws that apply to you. We do not offer investment advice, trading or custody of digital assets beyond holding an order's funds until it completes.