UPI One World Launched; Learn How To Use The Wallet

UPI One World Rolled Out; Step-By-Step Usage Guide: India’s fast-growing digital payments ecosystem is taking another global leap as international delegates arrive for the AI Impact Summit 2026 in New Delhi. In a move designed to simplify financial transactions for overseas guests, the National Payments Corporation of India has introduced the ‘UPI One World’ wallet. The service is tailored specifically for foreign attendees visiting the summit at Bharat Mandapam between February 16 and 20, enabling seamless digital payments without the need for an Indian bank account or mobile number.

A Digital Payment Bridge For International Visitors

The newly launched wallet service allows guests from more than 40 countries to make cashless payments across India using the Unified Payments Interface. From retail shopping and dining to travel expenses, visitors can complete transactions simply by scanning QR codes — mirroring the everyday payment experience used by millions of Indians.

Officials view the initiative as more than a convenience feature. It also positions India’s homegrown fintech infrastructure on the global stage, offering foreign delegates a hands-on experience of the country’s rapidly advancing digital payment capabilities.

How UPI One World Works

To access the service, international users must download the CheqUPI application provided by Transcorp. After installation, visitors complete a registration process that includes submitting passport and visa details.

Identity verification is conducted through a selfie upload, followed by the creation of a secure UPI PIN. Once approved, users receive a unique UPI ID linked to their wallet.

Funds can be added using international debit or credit cards, allowing guests to transact digitally during their stay. The system permits payments of up to ₹25,000 per transaction, with wallet loading allowed twice a month, capped at ₹50,000 monthly.

If funds remain unused, users can transfer the balance back to the original payment source, subject to applicable foreign exchange regulations — ensuring flexibility alongside compliance.

Understanding The UPI Ecosystem

Unified Payments Interface, commonly known as UPI, is a real-time payment framework that enables instant fund transfers through mobile platforms. It allows users to send or receive money using a mobile number, QR scanner, or a dedicated UPI ID without requiring detailed bank information for each transaction.

The system powers a vast network of payment applications and has become central to India’s digital commerce growth, supporting peer-to-peer transfers as well as merchant payments.

Transaction Volumes Reflect Rising Adoption

UPI’s scale continues to expand at a remarkable pace. In January 2026 alone, the platform recorded 21.70 billion transactions, amounting to ₹28.33 lakh crore in value. The surge highlights growing consumer trust and widespread merchant adoption across urban and rural markets.

The payments infrastructure is managed by NPCI, which oversees multiple retail settlement systems that collectively support India’s cashless economy.

By extending UPI access to foreign nationals through the One World wallet, India is not only enhancing visitor convenience but also exporting its fintech innovation model to a global audience — reinforcing its reputation as a digital payments leader.

Image Courtesy: Meta AI