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Your Digital Payments Companion Abroad

  • PayZapp is now live in 5 countries - USA, Canada, UK, Saudi Arabia and UAE
  • PayZapp for NR is HDFC Bank's digital payments solution designed specifically for Non-Resident Indians (NRIs) with NRE or NRO Accounts. With full UPI functionality, it enables NR customers to make instant, secure, and seamless INR payments from anywhere in the world using either their Indian or international mobile number.
  • Whether paying merchants, transferring funds, or managing everyday transactions, PayZapp for NR offers a convenient way to stay connected to payments in India.
Cardless EASYEMI Push page Infographic

Why Choose PayZapp for NR?

Know More About PayZapp for NR

What Can NR Users Do with PayZapp for NR?

PayZapp for NR enables NRIs across supported countries to register and use UPI with ease. Customers can log in using either an Indian or international mobile number registered with their NRE/NRO account. The app automatically detects and links the NRE/NRO account, offering a frictionless onboarding experience.

With PayZapp for NR, customers can:

  • Activate UPI using an NRE or NRO Debit Card.
  • Send and receive INR instantly through UPI.
  • Scan and pay Indian merchant QR codes while staying abroad.
  • Pay utility bills, insurance premiums, and other everyday expenses.
  • Recharge mobile and DTH connections with ease.
  • Register and access PayZapp using either an Indian or international mobile number.
Card Management and Controls

Your PayZapp Experience at a Glance

PayZapp offers a wide range of payment and banking services for both domestic and NRI customers. However, the availability of certain features may vary depending on whether the customer is registered with an Indian or international mobile number.

The table below provides a quick overview of feature availability.

Service Offering Domestic Customers NR Customers (International Mobile Number) NR Customers (Indian Mobile Number)
UPI Yes Yes The table below provides a quick overview of feature availability. Yes
Zapp Wallet Yes No No
Recharges & Bill Payments Yes Yes Yes
myCards Yes No Yes
Add Bank Accounts Yes Yes Yes
SmartBuy Shop Yes No Yes
Fees and Charges

Transaction Limits

As per NPCI guidelines for UPI transactions, in order to enhance security while maintaining a smooth payment experience, certain transaction limits apply on PayZapp for NR.

  • UPI Limit: ₹1,00,000 per day UPI limit. 
  • New UPI IDs: ₹5,000 limit for the first 24–72 hours as a security protocol. 
Card Control and Redemption

Features Excluded for NR Customers

While PayZapp for NR offers a wide range of digital payment capabilities, certain features are currently not available for NR customers.

These include:

  • Zapp Wallet
  • Make direct UPI transactions to international mobile numbers
  • Foreign currency transactions
Credit and Safety

Troubleshooting Support 

If you face any issues during registration or setup, checking the following requirements can help ensure a smooth onboarding experience.

  • Ensure your bank-registered mobile number (Indian or international) is active.
  • If using an international mobile number, ensure it belongs to a supported country.
  • Your mobile number must be able to receive OTPs during registration and setup.
  • An active Debit Card is required only for the initial UPI PIN setup.
Contactless payments

Frequently Asked Questions

1. Download the PayZapp app from the Google Play Store or Apple App Store.

2. Log in using the Indian or international mobile number registered with your HDFC Bank NRE/NRO Account.

3. Ensure the SIM linked to your registered mobile number is active on the device for SMS verification.

4. PayZapp will automatically detect and link your HDFC Bank NRE/NRO Account.

5. Select the linked Account and proceed with UPI activation.

6. Enter the last 6 digits and expiry date of your active NRE/NRO Debit Card.

7. Verify your identity using the OTP sent to your registered mobile number.

8. Set your UPI PIN.

9. Start making payments, transferring funds, scanning QR codes, and receiving money through UPI.

UPI allows NRE/NRO Account holders to send and receive INR instantly using UPI IDs (VPA), QR codes, mobile numbers, and Bank Account details through NPCI's digital payment network.

Yes. UPI is currently available for customers using supported international mobile numbers from countries such as the Canada, USA, UK, UAE, and Saudi Arabia. Support for additional countries will be introduced soon.

UPI transactions for NR customers are free of charge. The daily UPI transaction limit is ₹1,00,000. For newly created UPI IDs, a transaction limit of ₹5,000 may apply during the initial 24 to 72 hours as an additional security measure.

Transaction Type

NRO Account Registered with UPI

NRE Account Registered with UPI

Payments to Resident/NRO Accounts

Yes

Yes

Payments to NRE Accounts

No

Yes

Receive Money from Resident/NRO Accounts

Yes

No

Receive Money from NRE Accounts

Yes

Yes

Yes, NR customers can use UPI through PayZapp while staying outside India. They can scan Indian merchant QR codes, make payments to merchants, transfer funds to Bank Accounts, and send money to mobile-linked UPI IDs in INR.

However, UPI transactions for NR customers are currently supported only in Indian Rupees (INR). Foreign currency transactions are not supported.

UPI transactions are generally processed instantly upon successful authorisation. UPI services are available 24 hours a day, 7 days a week, including weekends and holidays, allowing customers to make and receive payments anytime.

No. A single UPI ID can be linked to and used across multiple eligible Accounts.

Yes. NR customers can use UPI through PayZapp with either an Indian mobile number or a supported international mobile number linked to their Bank Account. UPI Mandates are also supported for NR customers using supported international mobile numbers.

Yes. If your international mobile number is registered with your PayZapp account and linked to an active UPI ID, you can make UPI payments using your mobile number. However, Pay-to-Contact is supported only for Indian mobile numbers linked to an active UPI ID. You cannot send payments to foreign mobile numbers that are not part of the UPI network. Alternatively, you can make payments using a QR code, UPI ID (VPA), or Bank Account details.

NR customers can access services such as UPI, bill payments, and recharges through PayZapp. However, the availability of certain features depends on the mobile number used for registration:

  • Zapp Wallet: Not available for any NRI segment. 
  • Recharges and Bill Payments: Available for all NR customers. 
  • MyCards: Available only for NR customers registered with an Indian mobile number. It is not available for customers using international mobile numbers. 
  • SmartBuy Shop: Available only for NR customers registered with an Indian mobile number. It is not available for customers using international mobile numbers.

Ensure that:

  • Your bank-linked Indian or international mobile number is active.
  • Your international mobile number belongs to a supported country.
  • You can receive OTPs on the registered mobile number.
  • The SIM linked to the registered mobile number is present in the device during setup.
  • You have an active Debit Card if you need to set or reset your UPI PIN.

Yes. If an order is cancelled or a refund is initiated by a merchant, such as Amazon, Myntra, or any other participating merchant, the refunded amount is generally credited back to the same Account used for the original transaction. Therefore, if the payment was made using an NRE Account, the refund will be credited back to the same NRE Account in accordance with applicable UPI refund guidelines.

Yes, the customer can register on PayZapp using the updated mobile number, provided: 

  • The new mobile number is updated in bank records and linked to the account 
  • The SIM is active on the device used for registration 
  • UPI registration and verification will happen based on the updated mobile number.