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Show HN: Cheq UPI – India's first UPI payments app for foreigners

chequpi.com

51–60 of 129 posts

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#51

> we must verify your passport in-person before activating the UPI wallet. How are you planning to make this scale? Presumably you want a significant portion of the 10 million traveler yearly to use this app.

We plan to tie up with sim card vendors operating in airports around India. That should hopefully make it more convenient for people to finish their activation.

Longer term solution however, will be doorstep verification facilitated by the Transcorp team / in-house agents.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#52
post #10

Earlier quoted context omitted.

>We'll improve the site to directly point customers to appropriate verification centers (thanks for pointing this out) You probably would want to co-operate with the SIM vendor offices at airports, they already do same checks if you want mobile data in India so might as well do it for UPI.

Is there any plan of having verification centers or online verification services in US itself ?

We will try to get permissions to kickstart verification services in US soon.

Doing the account opening process online would be best but isn't allowed under existing regulations.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#53

I struggled a lot with this exact problem during my trip to India last year, so I am your perfect NRI customer. I don't have an Indian phone number, so GPay and PayTM were out of reach. So I had to use my parents' phone everywhere. This app is great for my next visit. However, in-person-branch-verification is a big non-starter for me. It needs to be more convenient than visiting a branch. If I have to visit a branch,…

Anything with in person anything is an immediate no go. Come on guys, find a way around this. There absolutely has to be a way to do this over the internet.

We did try pushing for an online account opening process. However, it's not allowed under existing India regulations.

We plan to scale with doorstep verification services in the meantime.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#54

I struggled a lot with this exact problem during my trip to India last year, so I am your perfect NRI customer. I don't have an Indian phone number, so GPay and PayTM were out of reach. So I had to use my parents' phone everywhere. This app is great for my next visit. However, in-person-branch-verification is a big non-starter for me. It needs to be more convenient than visiting a branch. If I have to visit a branch,…

> Otherwise, the inconvenience of a branch visit negates any usefulness. Unfortunately, existing regulations in India mandate a one-time physical verification before we can unlock you for a full-fledged prepaid account without applying artificial limits. Our team is definitely looking into way to make this entire process online and as hassle-free as possible. And we're looking for ways to unblock activation directly…

I'm using BHIM app and Phonepe outside india but i have to insert indian simcard in the phone to do this transactions.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#55

Excellent, and I love the idea. We (a community of 400+ founders in a small Bangalore community) were even discussing you guys a few days back. I have given this feedback earlier, too, but the copy sounds Ind-lish at most places. Your customers are going to be primarily non-Indian. It would be best to have a native speaker, such as an American, to review and re-write. I’m an Indian and have worked primarily with over…

Hi Brajeshwar, How do I join the founder community you mentioned?

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#56
post #5

This looks interesting, but there are some questions I still have after reading your website. Perhaps you could clarify, please? Your website says: > Verify yourself at any one of our partner branches across India How do I find out if there's a branch nearby without downloading your app and committing to an unknown amount of effort? I couldn't find a list of your branches anywhere, but it looks like it would be a sho…

> What about OCI holders?

Seems like you’re the one not in the know. The OCI is merely a visa.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#57
post #4

This looks like it could be very helpful. One question, how is it different than what was announced by the Reserve Bank of India earlier this year? [1] [1] https://m.timesofindia.com/business/india-business/hassle-fr...

We're also a part of the same initiative. Behind the scenes story below : Until last year, there was no way for Indian fintechs to provide UPI services to international citizens. The Reserve Bank of India (RBI) decided in January 2023 to issue UPI enabled wallets to international citizens visiting India during G20. We got a call late at night asking if our team can quickly deliver this solution. Our team stepped up a…

who called?

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#58

I struggled a lot with this exact problem during my trip to India last year, so I am your perfect NRI customer. I don't have an Indian phone number, so GPay and PayTM were out of reach. So I had to use my parents' phone everywhere. This app is great for my next visit. However, in-person-branch-verification is a big non-starter for me. It needs to be more convenient than visiting a branch. If I have to visit a branch,…

> However, in-person-branch-verification is a big non-starter for me. It needs to be more convenient than visiting a branch.

This is an issue with using AliPay and WeChat Pay in China as well. If you want to access the full spectrum of services including reserving train tickets, flights, and hotels with online payments, you need to get a local SIM card and mobile phone number, and then with that plugged in and working, visit a bank branch and set up a bank account in-person. In theory you can do both of these things in the span of an hour if you go first thing in the morning, but not every bank employee knows how to open an account with a passport and sometimes you'll have to visit 2 or 3 branches until you encounter someone know knows how to do it in their system.

Mobile payments are convenient once set up but they have made the world more fragmented with every superpower country implementing its own system.

Re: Show HN: Cheq UPI – India's first UPI payments app for foreigners

#59

Excellent, and I love the idea. We (a community of 400+ founders in a small Bangalore community) were even discussing you guys a few days back. I have given this feedback earlier, too, but the copy sounds Ind-lish at most places. Your customers are going to be primarily non-Indian. It would be best to have a native speaker, such as an American, to review and re-write. I’m an Indian and have worked primarily with over…

I cannot edit anymore but that should read "This tool needs to exist." :-)
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