---
title: "Cheq:UPI for Foreigners & NRIs - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "Introducing CheqUPI – tailored specifically for foreign nationals and NRIs, our app is the epitome of convenience in digital payments across India. With CheqUPI, your stay, whether for leisure, busine"
---

# Cheq:UPI for Foreigners & NRIs — United States
> Transcorp

![Cheq App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/40/bb/9c/40bb9c85-1f6b-0be6-5b15-291ea30fd680/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/400x400bb.png)

**Developer:** [Terrafin Solutions Private](https://apptail.io/developer/terrafin-solutions-private-MSN)
**Category:** Finance
**Rating:** 3.9/5 (90 ratings)
**Price:** Free
**Bundle ID:** com.cheq.ios
**Store:** Apple App Store
**Country:** United States
**Version:** 5.4.2 (released 2026-10-26)
**Original Release:** 2023-02-21

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1667625083)
**AppTail Page:** [https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/united-states](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/united-states)

## Cheq Description
Introducing CheqUPI – tailored specifically for foreign nationals and NRIs, our app is the epitome of convenience in digital payments across India. With CheqUPI, your stay, whether for leisure, business, or long-term, is met with the easiest and most authentic way to transact financially, just like the locals do.


Features include:
• Blazing fast and secure digital payments via UPI
• Scan QR code and pay at 55 million merchants across India
• Make online payments using your own UPI handle
• Top-up funds anytime, anywhere using international credit/debit cards






Getting Started
•  Download the app
•  Sign up using international/Indian phone number
•  Pay a one time activation fee
•  ⁠Top-up your wallet and make your first UPI payment
• 24/7 friendly customer support
•  ⁠Complete in-person verification


Please Note:
1) Currently, as per government norms, foreign nationals from countries on the FATF list and FATF grey list are not permitted to use the app.
2) Due to regulations, Cheq app can only be used while you're within Indian borders. Our servers detect your current location and restrict transactions being initiated from outside Indian borders.
3) You need to complete the in-person verification process by either visiting our partner branches or booking an agent.
4). Documents required are
Foreign nationals (Passport, a valid Indian Visa)
OCIs (Passport, OCI card)
NRIs (Passport, valid foreign country ID)
5) Payments can only be made to registered merchants. Individual (P2P) payments are not permitted
CheqUPI wallet is powered by Transcorp International Limited, an RBI regulated PPI license and AD2 license holder. Your data and money are stored safely & securely within India. Your money is safely parked in an RBI approved bank account hosted with Transcorp International Limited.
Visit our website for more details  or call/Whatsapp on +919845563750 to know more.

## Cheq Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/ce/23/8e/ce238e23-228e-72cd-e2c7-534a22644cdc/93613abc-91e3-464a-a32c-21fb47907ec8_Image_1.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/f7/40/6f/f7406fc6-b754-364f-0731-4ac8e04d2fe6/1706c166-b8d2-4bce-95fb-0f8734caec89_Image_4.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/a1/69/1c/a1691c44-f98e-c2ad-7cc2-e97b051ecc1f/7314c092-56eb-458f-ae98-a686f5c61aa2_Image_6.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/1f/e3/be/1fe3be9a-c036-ce9c-9d9b-be1c818d56f9/e1e75fce-1d4e-4401-838c-3e0e28cc07bb_Image_5.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/32/3f/98/323f98be-322b-bac5-c749-5cbdaca42908/ff1589c4-8e94-408c-a190-b963936abbf0_Image_2.png/1284x2778.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/b7/22/71/b72271df-00b1-94a8-d038-81b0507b4a04/61ecc7d6-423d-43cb-b341-4afceb8d6108_Image_3.png/1284x2778.png)

## Cheq Rating Breakdown in United States
- 5 stars: 61 (68%)
- 4 stars: 3 (3%)
- 3 stars: 4 (4%)
- 2 stars: 3 (3%)
- 1 stars: 19 (21%)

## Cheq Reviews in United States

### *---- "Doesn’t work with vendor having personal account"
Works with vendors having business accounts. But many auto drivers and street vendors have their UPI linked to their person account and cheq doesn’t support paying to such accounts. 75% of the time I tried to pay didn’t work due to this.
-- narenrh, 2025-08-05

### *---- "Sometimes works"
Normally, I only review things I love.  Making an exception here to warn others.  At times Cheq works smoothly, creating a critical gateway to payments in India. However, the service is frequently down for hours or days without notice. Sometimes it won’t open the scan screen.  Sometimes the add money service is “not available”. Sometimes you try to add money, and it claims your credit card CVV is incorrect.  You may be awkwardly unable to pay at a business, so if you do get Cheq, never assume it will work, have backup, and treat the app like a toy. If you get Cheq, have a travel partner get a different app for when one goes down. We got Cheq in Pune; Transcorp had the wrong address listed for the KYC.  We finally got to the correct location, but later when we went again to add our son on, the office was closed permanently, but was still listed on Transcorp’s website.  They actually asked us to come to Delhi to add him, as if that was feasible. When our daughter initially signed up, Cheq froze her American account for 1000 DOLLARS instead of charging the 1000 rupee fee because their subsidiary didn’t process the exchange rate; eventually corrected after getting the American bank involved. Customer service is largely ineffective and unavailable, and not at all present on weekends.  If other options become available, choose carefully.
-- KPPforthewin, 2025-07-21

### *---- "Scam"
They don’t know what they are doing. They take your Rs 1499 and then nothing happens. If you email them they copy you on internal emails asking how the process works. 
Do not use - it doesn’t work - they just take your money
-- Bobra23, 2025-07-17

### ***-- "Mostly works"
While this mostly works, adding money can take days. If you need just a little bit more to make a purchase, you may be out of luck when trying to quickly add money via foreign debit card. And adding money via credit card = cash advance (lots of fees + interest). You can “encash” to have any remaining money refunded back to your bank but it can be very slow and there are transaction fees on every step. I as given an official business invoice but could not pay with Cheq. Apparently the business was officially a wholesaler and only retailers are allowed.
-- Not for iPhoneSE, 2025-07-04

### ***-- "Great when it works most times; but unacceptable/unreliable to break for a financial app"
Most times it works, and it is great. But breaks a few times (eg. not able to load funds for more than 24hrs once, iOS app not opening for sometime etc). Hence not reliable.
-- Organizzer, 2025-06-18

### *---- "USA customer : Not useful app at all.. Worst customer service"
This app is seriously a rip off, they took Rs. 1499 as membership fees and disappeared at KYC step. Their partner branch in Surat is closed from 2months and in-person verification representative is not answering phone calls from 2 days. Really pathetic service. Not sure why scam people like this.
-- bhargav901, 2025-06-03

### ****- "helpful for travelers, but needs p2p!"
PROS: I’m a US citizen traveling to India without a local phone number or bank, so I couldn’t use Google Pay or PayTM. Cheq let me use my US phone number and debit card to set up an account, even sending a representative to my hotel the same day to verify documents. (Be sure to select INR as your currency and turn on location services.) CONS: Cheq doesn’t allow peer to peer payments! This should be disclosed up front because many local businesses including fitness studios, shops, and taxis don’t have merchant codes or PhonePe. This means I paid Cheq transaction fees for funds I can’t use. Cheq should enable p2p payments for a better service.
-- currybradshaw, 2025-03-12

### **--- "No peer to peer transactions allowed"
Unfortunately peer to peer payments are not supported so you cannot pay your Auto or Bike driver with this app. Only businesses. This makes the app mostly useless as most businesses also take card.
-- burgerboy9n, 2025-02-13

### *---- "Doesn't make payments remotely"
You can't make payments from us or I'm to India you actually have to be in India for them to verify your phone before the payment is made.
-- Eliel789, 2025-02-13

### *---- "Can’t even accept visa or American Express credit cards"
This stupid app can’t even accept Visa credit cards for the enrollment fee of rs999 

This app is for foreigners going to India (it validates your India eta visa).  It says that Visa cards temporarily do not work. (Amex is not accepted at all).  For banks it only offers Indian banks.  So I am confused. This app is for foreigners.  If they have an Indian bank account why wouldn’t they use the real
Upi that Indians use. 

Cheq basically charges 2.57% fee per transaction.  Their foreign conversion uses mid market rates so they make addition money on that part. This last part is not clearly explained but the forums say that. 

I will probably delete this app - may try Visa card once more and try for $100 in case I need to make UPI.  Otherwise get cash from atm or Visa cards. These two give you good conversion rates.
-- srrjrr, 2025-01-23

[View all Cheq reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## Cheq Discovered Keywords
- qr pay
- india
- cred app
- upi app
- upi
- credit cards
- upi payments
- india national
- upi one world
- cheq

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## Cheq Available In
- [United States](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/united-states)
- [India](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/india)
- [Russia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/russia)
- [Germany](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/germany)
- [United Kingdom](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/united-kingdom)
- [Canada](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/canada)
- [Japan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/japan)
- [Australia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/australia)
- [Malaysia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/malaysia)
- [Netherlands](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/netherlands)
- [Singapore](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/singapore)
- [Hungary](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/hungary)
- [France](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/france)
- [Austria](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/austria)
- [Italy](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/italy)
- [Indonesia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/indonesia)
- [New Zealand](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/new-zealand)
- [Poland](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/poland)
- [Czechia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/czechia)
- [United Arab Emirates](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/united-arab-emirates)
- [Mexico](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/mexico)
- [Norway](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/norway)
- [Oman](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/oman)
- [Bolivia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/bolivia)
- [Bulgaria](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/bulgaria)
- [Kenya](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/kenya)
- [Spain](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/spain)
- [Sweden](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/sweden)
- [Ghana](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/ghana)
- [Thailand](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/thailand)
- [Sri Lanka](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/sri-lanka)
- [Taiwan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/taiwan)
- [Luxembourg](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/luxembourg)
- [Latvia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/latvia)
- [Denmark](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/denmark)
- [Belgium](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/belgium)
- [North Macedonia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/north-macedonia)
- [Mali](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/mali)
- [Macao SAR China](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/macau)
- [Malta](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/malta)
- [Mauritius](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/mauritius)
- [Namibia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/namibia)
- [Nigeria](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/nigeria)
- [Nepal](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/nepal)
- [Panama](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/panama)
- [Philippines](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/philippines)
- [Paraguay](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/paraguay)
- [Qatar](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/qatar)
- [Romania](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/romania)
- [Saudi Arabia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/saudi-arabia)
- [Slovakia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/slovakia)
- [Senegal](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/senegal)
- [El Salvador](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/el-salvador)
- [Tunisia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/tunisia)
- [Türkiye](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/turkey)
- [Ukraine](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/ukraine)
- [Uganda](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/uganda)
- [Uruguay](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/uruguay)
- [Uzbekistan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/uzbekistan)
- [Vietnam](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/vietnam)
- [South Africa](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/south-africa)
- [Armenia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/armenia)
- [Angola](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/angola)
- [Argentina](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/argentina)
- [Azerbaijan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/azerbaijan)
- [Bahrain](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/bahrain)
- [Bermuda](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/bermuda)
- [Brunei](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/brunei)
- [Brazil](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/brazil)
- [Botswana](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/botswana)
- [Belarus](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/belarus)
- [Belize](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/belize)
- [Chile](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/chile)
- [China](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/china)
- [Costa Rica](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/costa-rica)
- [Cyprus](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/cyprus)
- [Algeria](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/algeria)
- [Ecuador](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/ecuador)
- [Estonia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/estonia)
- [Egypt](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/egypt)
- [Grenada](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/grenada)
- [Greece](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/greece)
- [Guyana](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/guyana)
- [Hong Kong SAR China](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/hong-kong)
- [Honduras](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/honduras)
- [Croatia](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/croatia)
- [Israel](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/israel)
- [Jamaica](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/jamaica)
- [Jordan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/jordan)
- [South Korea](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/south-korea)
- [Kuwait](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/kuwait)
- [Cayman Islands](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/cayman-islands)
- [Kazakhstan](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/kazakhstan)
- [Lebanon](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/lebanon)
- [Lithuania](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/lithuania)
- [Madagascar](https://apptail.io/app/chequpi-for-foreigners-nris-eyIk/madagascar)

---

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