QR payments in India
Pay UPI QR codes in India with USDT
Scan any UPI code and pay from your stablecoin wallet. A local payer settles the bill in Indian rupees, and the merchant sees a normal UPI payment — no Indian bank account, card or cash.
UPIIndiaTaj Mahal, Agra. Photo: Antrix3, CC BY-SA 4.0, via Wikimedia Commons
- QR network
- UPI (Unified Payments Interface)
- Operated by
- National Payments Corporation of India (NPCI)
- Merchant receives
- Indian rupee (INR)
- You pay with
- USDT on Polygon
How it works
How to pay a UPI QR code in India
- 01
Scan the UPI code
Open QRiks in your phone's browser and scan the merchant's QR. The amount in INR comes from the code or you type it in.
- 02
Check the quote
See the amount in Indian rupees and your USDT total, with the rate, fee and network cost listed.
- 03
A payer in India pays it
A vetted local payer pays the code from their Indian account through UPI. Your USDT waits in escrow.
- 04
Confirmed, then settled
An independent validator in India confirms the merchant was paid in Indian rupees. Then the escrow is released.
The network
About UPI
In India, QR codes are paid through UPI (Unified Payments Interface), operated by the National Payments Corporation of India (NPCI). UPI QR codes are everywhere in India, from roadside vendors to airports, and settle instantly between banks.
You will see UPI codes at chai stalls, auto-rickshaws, kirana stores, restaurants and monument ticket booths. With QRiks every one of them can be paid with USDT, and the merchant receives Indian rupees as usual.
Can I pay UPI QR codes without a Indian bank account?
Yes. With QRiks you scan the UPI code and pay with USDT. A vetted payer in India pays the merchant from their own Indian account, so you don't need a local bank account, card or phone number.
What does the merchant in India receive?
The merchant receives Indian rupees (INR) through UPI, exactly like a payment from a local customer. They don't need to know about QRiks or accept crypto.
What do I pay with?
USDT on Polygon from your QRiks wallet. The quote shows the exchange rate, our fee and the network cost before you confirm.
Who runs UPI?
UPI (Unified Payments Interface) is operated by the National Payments Corporation of India (NPCI).
What if the payment doesn't go through?
Your USDT stays in escrow until an independent validator in India confirms that the merchant was paid. If the merchant wasn't paid, your USDT is returned.
Where can I pay with UPI in India?
Anywhere a UPI QR code is displayed: chai stalls, auto-rickshaws, kirana stores, restaurants and monument ticket booths.
Pay UPI codes with USDT
Be among the first to pay QR codes in India with QRiks.