UPI (Unified Payments Interface) is a real-time payment system in India that allows members to pay using apps like Google Pay, PhonePe, and Paytm.

Nas.io supports UPI for both one-time purchases and subscriptions, but only for creators who meet specific eligibility requirements.

UPI is available only if all of the following are true:

• Country: India
• Base currency: INR (₹)
• You have an Indian bank account
• You have a valid PAN

This is required because:
• UPI payments are processed via Stripe India or Razorpay
• Indian taxes (GST and possible TDS) must be applied
• Nas.io must report these transactions locally

If you:
• Are based outside India
• Do not have an Indian bank account
• Do not have PAN

Then:

❌ You cannot offer UPI as a payment method
✅ You can still sell to Indian members using:

Important: Payment methods are determined by the creator’s business location and currency — not by the member’s country.

For eligible India-based creators, members can use UPI to purchase:

• Memberships
• Events
• Digital Products
• Other one-time products

Both one-time payments and subscriptions are supported.

On the checkout page, members can:

Common UPI apps include:
• Google Pay
• PhonePe
• Paytm

Your member may find the guide to locate their UPI ID in their respective UPI apps.

The most common UPI apps are Google Pay/PhonePe/Paytm

UPI has a daily transaction limit of ₹100,000 (1 lakh INR).

If a product price is above ₹100,000:

❌ UPI payment will not go through
✅ Members must use credit or debit cards instead
​
​Read here for more information on UPI transaction limit

We are working with our payment partners to improve the UPI checkout experience so that, in the future, members may be redirected directly to popular UPI apps (Google Pay, PhonePe, Paytm) instead of manually entering their UPI ID

Q: My audience is in India, but I’m based outside India. Can I offer UPI?

A: No. UPI is only available for creators who are set up as India-based businesses with INR currency, an Indian bank account, and a valid PAN. If you are based outside India, Indian members can still pay using credit or debit cards.

Q: If I change my base currency to INR, will UPI be enabled?

A: Not by itself. To enable UPI, your account must also be set up as an India-based business with an Indian bank account and PAN. Currency alone is not sufficient.

Q: Can members outside India use UPI?

A: No. UPI is an India-only payment method and can only be used by members with Indian UPI apps and bank accounts.

Q: Can UPI be used for subscriptions?

A: Yes. Members can use UPI to purchase subscriptions. However, auto-renewal is not supported. Members must manually approve each renewal payment.

Q: Is there a limit on UPI payments?

A: Yes. UPI has a daily transaction limit of ₹100,000 (1 lakh INR). Payments above this amount must be made using credit or debit cards.

Q: What currency will I be paid in if I use UPI?

A: All UPI payments are processed and paid out in INR.

Q: Why does Nas.io require an Indian bank account and PAN for UPI?

A: This is required to comply with Indian tax and reporting regulations, including GST and possible withholding tax (TDS), for UPI transactions processed through Indian payment providers.

If you have questions or need help, you can: