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How to Manage International Payments on PhonePe

Planning a trip abroad or buying something from an international website? PhonePe now allows you to pay at merchants in select international locations using UPI. However, for security reasons, it's important to know how to turn this feature on only when you need it. This guide will show you exactly how to do it!

What are PhonePe International Payments?

This feature allows you to pay in foreign currency at supported merchants abroad using your Indian bank account via UPI. The amount is debited in Indian Rupees (INR) based on the current exchange rate. It’s convenient, but keeping it "OFF" when you aren't traveling is a great way to prevent unauthorized global transactions.

Step-by-Step: Enabling the Feature

1. Open Profile: Tap your profile picture in the top-left corner of the PhonePe home screen.
2. Payment Settings: Scroll down to the "Payment Settings" section and tap on UPI International.
3. Select Bank: You will see a list of your linked bank accounts. Tap the Activate button next to the bank you want to use.
4. Confirm with PIN: Enter your UPI PIN to confirm the activation. The feature is usually enabled for a set period (like 90 days).

How to Disable International Payments

If you've returned from your trip or want to secure your account, follow the same steps:

• Go to Profile > UPI International.
• Tap the Deactivate button next to the active bank account.
• Confirm your choice, and international UPI payments will be instantly stopped.

💡 Important Things to Note

• Exchange Rates: The bank will apply exchange rates and potentially a small forex fee for every transaction.
• Merchant Support: Currently, this works only in countries like UAE, Singapore, Mauritius, Nepal, and Bhutan at specific merchant outlets.
• Auto-Deactivation: For your safety, the feature often turns off automatically after a certain period if not used.

Now you can shop across borders with confidence! Got questions? Let us know in the comments!