Whether you are buying groceries, paying your auto-rickshaw driver, or booking a luxury hotel, chances are you’ve done it via UPI. The simple act of pointing your phone at a QR code and entering a few digits has become a reflex for regular users, which does not require any conscious effort. As of October 2025, approximately 491 million people in India actively use UPI across banks and platforms. While this financial ritual is well-ingrained in India, international travel can pose challenges, as not all countries have adopted UPI yet.

The most recent addition is Qatar, where Indian travellers can now use UPI easily at major tourist spots and Duty Free outlets. NPCI International Payments Ltd (NIPL), in partnership with Qatar National Bank (QNB), has introduced QR code-based UPI acceptance

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