Pay like a localat 100 million+ merchants
Added £100
₹11,240
Jaipur trip ✈
Top up with your international card and scan any UPI QR across India — from Jaipur bazaars to Kochi cafés. No local bank account, no cash runs.
150+CurrenciesEverything you need. Nothing you don’t.
Top up with your international card and scan any UPI QR across India — from Jaipur bazaars to Kochi cafés. No local bank account, no cash runs.
Load from 150+ currencies
Top up with an international Visa or Mastercard in your home currency.
Scan any UPI QR
Street food, auto-rickshaws, monuments — if it has a QR, you can pay.
Just 2.5% to top up
No onboarding, monthly or closure fees. See the exact rupees you’ll get before you confirm.
Ready before you land
Sign up with your passport and visa, and be ready at arrivals.
Refund what is left
Leaving India? Request the unused balance back as per RBI rules.
Regulated wallet
Issued under RBI PPI rules, with funds held in escrow at a scheduled bank.
See the rupees before you pay
Enter an amount in your home currency and ZikPe shows exactly how many rupees land in your wallet, fees included.
Lower fees. More back. Licensed by the RBI.
2.5% to top up, up to 5% cashback on payments — and no onboarding, monthly or closure fees.
| Feature |  |  |  Cheq UPI |
|---|---|---|---|
| Top-up fee | 2.5% | 3.5% | 4% |
| Onboarding fee | Free | Free | ₹1,499 |
| Monthly maintenance | Free | ₹399 / month | Not published |
| Wallet closure / deactivation | Free | ₹399 | Not published |
| Cashback | Up to 5% on payments* | None | None |
| PPI licenceThe licence holder answers to the RBI for your money | Own RBI PPI licence | Through a partner | Through a partner |
| Customer support | 24×7 | Not published | Not published |
*On eligible payments, credited as Zik Coins; the rate depends on your plan — see the rewards terms. Mony and Cheq UPI names and logos belong to their owners and are used only to identify them; ZikPe is not affiliated with either. Competitor fees as published by each provider, October 2026. Check their sites for current pricing. Your card issuer may charge its own foreign transaction fee.
From the Taj to old Delhi
If it has a UPI QR, you can pay it — tickets, street food, autos and stays.
Up and running in minutes
- 01
Sign up with your passport
Verify with passport and visa — no Indian bank account needed.
- 02
Top up in your currency
Load with your international card and see the rupee amount first.
- 03
Scan & pay across India
Pay any UPI QR, then refund what is left when you fly home.
Security you can bank on
Regulated, encrypted and in your control — so you can spend without second-guessing.
Authorised by the RBI
ZikZuk Technologies is authorised by the Reserve Bank of India as a prepaid payment instrument issuer.
Funds held in escrow
Your balance sits in an escrow account with a scheduled commercial bank, not on our books.
Fraud protection
Device binding, PIN, instant alerts and a one-tap freeze guard every payment you make.
Questions? Answered.
No Indian bank account is needed. You sign up with your passport and visa details.
More from ZikPe
Join ZikPe today
Download the app and start paying across India in minutes.
Coming soon to the App Store and Google Play.