# Cheq:UPI for Foreigners & NRIs — Transcorp > Digital UPI payments in India for foreigners and NRIs. (iPhone/iPad app by Terrafin Solutions Private Limited.) - Source: https://appshunter.io/ios/app/chequpi-for-foreigners-and-nris/id1667625083 (this page in markdown: same URL + `.md`) - Developer: [Terrafin Solutions Private Limited](https://appshunter.io/developer/1667625085) - Category: Finance, Shopping - Price: Free - Rating: 3.90/5 from 95 App Store ratings · 119 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 116 MB - Languages: American English - Released: 2023-02-21 - Data updated: 2026-08-30 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/chequpi-for-foreigners-and-nris/id1667625083/reviews.md ## What is Cheq? Introducing CheqUPI – tailored specifically for foreign nationals and NRIs, our app is the epitome of convenience in digital payments across India. With CheqUPI, your stay, whether for leisure, business, or long-term, is met with the easiest and most authentic way to transact financially, just like the locals do. Features include: • Blazing fast and secure digital payments via UPI • Scan QR code and pay at 55 million merchants across India • Make online payments using your own UPI handle • Top-up funds anytime, anywhere using international credit/debit cards Getting Started • Download the app • Sign up using international/Indian phone number • Pay a one time activation fee • ⁠Top-up your wallet and make your first UPI payment • 24/7 friendly customer support • ⁠Complete in-person verification Please Note: 1) Currently, as per government norms, foreign nationals from countries on the FATF list and FATF grey list are not permitted to use the app. 2) Due to regulations, Cheq app can only be used while you're within Indian borders. Our servers detect your current location and restrict transactions being initiated from outside Indian borders. 3) You need to complete the in-person verification process by either visiting our partner branches or booking an agent. 4). Documents required are Foreign nationals (Passport, a valid Indian Visa) OCIs (Passport, OCI card) NRIs (Passport, valid foreign country ID) 5) Payments can only be made to registered merchants. Individual (P2P) payments are not permitted CheqUPI wallet is powered by Transcorp International Limited, an RBI regulated PPI license and AD2 license holder. Your data and money are stored safely & securely within India. Your money is safely parked in an RBI approved bank account hosted with Transcorp International Limited. Visit our website for more details https://www.chequpi.com/ or call/Whatsapp on +919845563750 to know more. ## Key features - Fast and secure UPI payments - Scan QR codes to pay merchants - Online payments with UPI handle - Top-up with international cards - 24/7 customer support - In-person verification ## What do users think of Cheq? Overall sentiment: neutral **Pros** - 🚀 Easy onboarding - 🚀 Smooth payment experience - 🚀 Convenient for travelers - 👍 Helpful support staff - 👍 Works well in India **Cons** - 🐛 Unreliable verification process - 🐛 Frequent app crashes - 💰 Expensive joining fee - 🔒 Security concerns - 🚫 Limited to merchant payments only **Commonly reported bugs** - Issues with SMS/email verification - App freezes during transactions - Inconsistent app performance **Most requested features** - Peer-to-peer payment support - Ability to add money via email/other methods - Better customer support responsiveness ## Recent user reviews (10 of 119) All indexed reviews: https://appshunter.io/ios/app/chequpi-for-foreigners-and-nris/id1667625083/reviews.md ### 3/5 — Mixed bag it is... *2026-08-11* PROS — Makes purchases in most restaurants, stores and malls super easy (when you get it to work!) — Easy to add money to wallet — Super responsive door service (in Mumbai at least) to do in person KYC CONS — It does not work when you try to pay via UPI to an individual. So all individually run taxis and rickshaw payments did not work. That is terrible — Had to uninstall and reinstall App On IOS to make it work (specifically funds to the wallet). App kept crashing when adding money (after acct was activated). — Acct has to be setup all over again after you leave India and come back at a later date. Beats me why? Overall, good to have app as it offers reasonable convenience. If they can make onboarding online, allow most UPI payments to individuals, that will be big step forward. ### 5/5 — Easy to setup *2026-06-28, version 3.5* The team works via WhatsApp to go through the process of verification and activation. Someone from the team visits you at your location and activates your account. Overall a seamless process. ### 5/5 — Cheq *2026-06-25, version 3.5* Very helpful, easy setup , the gentleman came to my hotel to very and activate my account ### 5/5 — Jun 19 *2026-06-19, version 3.5* Hi-Team good service at Hyderabad ### 5/5 — Great Upi app for Foreigners *2026-06-11* Great service for foreigners visiting India. The entire setup process was quick, straightforward, and easy to follow, even for someone unfamiliar with local procedures. Everything was explained clearly, and the staff was helpful and responsive whenever I had questions. The service worked exactly as expected, making my stay in India much more convenient and stress-free. I really appreciated how efficient and professional the whole experience was. I would definitely recommend it to other international travelers looking for a reliable and hassle-free service while visiting India. ### 1/5 — Wasted effort *2026-06-05, version 3.3* I had jumped through so many hoops to get physically verified and paid the registration fee. Despite several calls to their local office who verified me, the account was never activated. My vacation was for six weeks and nothing moved during that time frame. After returning back, I called them asking for the refund of my registration fees. Despite several reminders, my fees were never returned. It's been three years now. ### 5/5 — Great app for NRI’s to pay in India directly from US bank account!!! *2026-05-05* I was amazed to see this app allowing me to pay even a coconut vendor via UPI scan and pay with my USA credit card and Apple Pay. Migrated to USA way back, I didn’t even have PAN card or Aadhar card and it’s amazing feeling that I am an Indian and I can pay like an Indian while I visited my home country. Thank you guys!!! ### 4/5 — Super convenient *2026-04-15* This Cheq app made our trip to India so much more convenient. Having access to UPI in India can be a life saver. All merchants accept it and many prefer it to cash. Save the trip to ATMs. Note that it will not allow payments to individuals only to merchants. The in person verification was quick and easy with a passport at the Kolkata Transcorp office. ### 1/5 — Very bad customer support *2026-03-31, version 2.8* There customer support is very bad ### 1/5 — Waste of time *2026-01-25, version 2.0* Been trying to set it up. Made payment. Now they said they don’t have an agent in my city to come verify me, now I’m trying to resolve the issue. Worst costumer care: a mix of a bad automated system and incompetent people to deal with. Beware. ## Frequently asked questions about Cheq ### What is CheqUPI? CheqUPI is a digital payment application designed specifically for foreign nationals and Non-Resident Indians (NRIs) to facilitate easy and secure financial transactions across India. It allows users to make payments via UPI, scan QR codes at millions of merchants, and conduct online transactions. ### How do I get started with CheqUPI? To get started, download the app and sign up using an international or Indian phone number. You will need to pay a one-time activation fee and complete an in-person verification process. After that, you can top up your wallet and begin making UPI payments. ### What are the requirements to use CheqUPI? Users must be physically present within Indian borders to use the app. Foreign nationals need a passport and a valid Indian visa, OCIs require a passport and OCI card, and NRIs need a passport and a valid foreign country ID. Certain foreign nationals from countries on FATF lists are not permitted to use the app. ### Is CheqUPI free to use? No, CheqUPI is not free to use. There is a one-time activation fee required to set up your account. After the activation fee, users can top up their wallet with funds to make payments. ### Can I send money to individuals using CheqUPI? Currently, CheqUPI only permits payments to registered merchants. Individual (P2P) payments are not supported due to current regulations. All transactions must be made to businesses or services that accept UPI payments. ## Version history (last 5 releases) ### 5.0.5 — 2026-08-13 Bug fixes & improvements ### 5.0.4 — 2026-08-10 Security enhancements ### 5.0.3 — 2026-08-06 App crash resolution in the previous version ### 5.0.2 — 2026-08-05 Security implementations & protection of payments ### 5.0.1 — 2026-07-29 Bug fixes & impovements ## Apps similar to Cheq | App | Rating | Price | Category | | --- | --- | --- | --- | | [BHIM Bharat's Own Payments App](https://appshunter.io/ios/app/bhim-bharats-own-payments-app/id1200315258) | 4.4 (1,389) | Free | Finance | | [Paytm: Secure UPI Payments](https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634) | 4.7 (39,205) | Free | Finance | | [PhonePe UPI, Payment, Recharge](https://appshunter.io/ios/app/phonepe-upi-payment-recharge/id1170055821) | 4.7 (169,290) | Free | Finance | | [Razorpay - Accept Payments Now](https://appshunter.io/ios/app/razorpay-accept-payments-now/id1497250144) | 4.1 (23) | Free | Finance | | [BHIM SBIPay](https://appshunter.io/ios/app/bhim-sbipay/id1342240155) | 3.0 (99) | Free | Finance | | [ICICI Bank Money2India](https://appshunter.io/ios/app/icici-bank-money2india/id1524595805) | 1.8 (302) | Free | Finance | ## More apps by Terrafin Solutions Private Limited - [Cheq Pay](https://appshunter.io/ios/app/cheq-pay/id6784157837) All apps by Terrafin Solutions Private Limited: https://appshunter.io/developer/1667625085 ## Related topics [upi for nri](https://appshunter.io/ios/topics/upi-for-nri) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*