India in Talks to Link UPI with Alipay+ for Cross-Border Payments

Indian government and RBI discuss integrating UPI with Ant International's Alipay+, potentially enabling seamless international payments for Indian tourists across 100+ markets. UPI-Alipay+ Integration OverviewHistoric TalksBenefits for TravelersPlatform StatsSecurity ConsiderationsUPI's…

By Hardik Dhamija

February 3, 2026

2 min read

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Indian government and RBI discuss integrating UPI with Ant International’s Alipay+, potentially enabling seamless international payments for Indian tourists across 100+ markets.

UPI-Alipay+ Integration Overview

Platform	Network Size	Current Reach
UPI	18B monthly transactions	Singapore, UAE, France
Alipay+	1.8B user accounts	150M+ merchants, 100+ markets

Historic Talks

India’s government and central bank are in talks with Ant International about linking Alipay+ with India’s Unified Payments Interface for cross-border transactions. The move would help Indian tourists use UPI with merchants in countries signed up with Alipay+.

Talks between officials and Singapore-based Ant International reflect warming ties with China—explore fintech at Technosports.

Benefits for Travelers

Integration removes requirements for foreign currency cards or local wallets—Indian tourists pay across borders using UPI apps in Southeast Asia, Middle East, and Europe.

Advantages:

Familiar UPI apps abroad
Pay in Indian rupees
Access 150M+ global merchants
No multiple payment apps

Platform Stats

UPI (January 2026): 21.7 billion transactions worth ₹28.33 lakh crore, reflecting 28% YoY growth. Platform handles 700M daily payments averaging ₹91,000 crore.

Alipay+: Global payments platform linking 40+ local wallets to 100M+ merchants across 100+ countries, providing access to 1.8 billion consumer accounts.

Security Considerations

Final decision would be taken after security considerations due to sensitivities involving geopolitical positioning and securing digital infrastructure and data because of Alipay’s roots to China.

Reserve Bank of India takes cautious approach to cross-border linkages, particularly foreign platforms, due to data localization, transaction security, and compliance concerns.

UPI’s Global Expansion

India works on bilateral arrangements connecting UPI with instant payment systems in other countries. UPI became India’s retail payments backbone—domestic success led policymakers to support tourists, migrant workers, and overseas businesses.

International Presence: Singapore, UAE, France, Sri Lanka, Japan via bilateral agreements.

Next Steps

No official confirmation from RBI, finance ministry, NPCI, or Ant International. Integration requires regulatory approvals covering data storage, settlement processes, and dispute resolution.