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You can soon do UPI even if you don't have Indian bank account, you can just download an app and connect any payment source to your UPI ID.

https://inc42.com/buzz/japan-may-join-the-growing-list-of-co...

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I was back there 2 months ago. That facility was not available and I was from one of the 20 countries that are allowed (you can specify a US/Can phone number). I downloaded PhonePe and PayTm. You at least needed a NRE (rupee) account. What seemed to work always was tap. But I think the tap amount was always < us 200.

If you have guidance on how to setup Google Pay/other with UPI it would be appreciated. I even tried updating my Google Pay software to get the Indian version in the hope it would work.

UPI is great and I hope it becomes worldwide. I think they started in France recently. If you are an Indian citizen/OCI holder encourage your foreign banks to get involved. I do not have much hope for Canadian oligopoly banks but if a bank in the US got it I would move some of my money there.

American here. I visited India in June of 2023. I tried using various apps to access UPI, but I was unable to figure it out. I couldn't find a way to connect a USA account (bank, credit card, PayPal, etc.) as a payment source. Hopefully it will be easier soon.

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