About UPI

Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID

UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@”in the middle. For example, your receiver’s UPI ID could be“receiver’s_name@bank_name” or “phone_number@bank_name.”

When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.

To receive the payment, the receiver needs to have their UPIID linked to the bank enabled for international UPI remittance. Please seebelow the list of banks that support international UPI.

Current list of banks that support international UPI transfers

Below are the banks currently supported. More banks will be made available soon.

Send limits using UPI

Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through WesternUnion

Western Union is the first money transfer service company touse a UPI transfer internationally.

1.   Log in to your Western Union profile.

2.  Choose India as your receiving country (you willneed to know your receiver’s mailing address).

3.  Choose to send using a bank pay out and use anypayment method.

4.  Choose UPI ID under the bank informationsection. You’ll be able to browse all the banks enabled for international UPItransfer.

5.  Choose to send your transfer, and you’re allset. Generally, your transfer should be completed in minutes.