Paying for your transfer in INR using UPI or bank transfer

This guide is for Indian personal customers. You can pay for your INR transfers using UPI or a bank transfer.

You must always transfer the exact amount shown by Wise, including decimal places.

There are no fees for using UPI on Wise. You can use UPI for payments up to 100,000 INR per day.

How do I pay using UPI?

Unified Payments Interface, or UPI, is a payment method that is received near real-time, though processing may take longer depending on your bank or UPI provider. It's available on:

• Google Pay

• PhonePe

• Paytm

• BHIM

Mobile

To pay using UPI on mobile:

1. Choose UPI as your payment method after setting up your transfer

2. Select one of the supported UPI apps installed on your phone

3. Review the payment details. You’ll see:

   1. the exact amount to pay

   2. recipient name as Vaho Forex* Private Limited

   3. banking name is Wise

4. Complete the payment — you’ll be redirected to your selected UPI app, then just verify the payment details, enter your UPI PIN, and confirm the payment

5. Once the payment is successful, return to Wise. You'll see:

   1. 'You have setup the transfer '

   2. 'We received your transfer'

   3. 'We paid out your amount'

   4. 'Your transfer’s complete'

*Vaho Forex is a Wise Group entity, registered in India, which holds Category II Authorised Dealer and is licensed with RBI

Web

1. Select UPI as your payment method when making an INR transfer on Wise

2. Open any supported UPI app on your phone and scan the QR code Wise displays

3. Approve the payment using your UPI PIN. Your UPI app will show:

   1. the payment amount 

   2. recipient name as Vaho Forex Private Limited

   3. banking name as Wise

4. Once the payment is done, Wise will confirm the payment and continue processing your transfer.

Can I send payment via another user's UPI or bank account ? 

No. When sending money from INR, we need to make sure that money is coming from your own account. If we detect a mismatch against your PAN name or account number, you'll need to provide a bank statement or a bank profile PDF.

You can provide a bank statement if:

• The name on your bank statement matches exactly with the name on your PAN card

• The account number on your statement fully matches with the account number in the linked bank transaction

• The transaction to Wise is visible in the statement

You can provide a bank statement PDF if:

• The name on your bank account is slightly different than the name on your PAN card

The bank statement PDF needs to be a print PDF version from your banking page, where your profile details, like PAN number (obfuscated), your account name and your account number are clearly visible. The footnote of the PDF must mention the bank’s official website link. We can't accept mobile screenshots.

How do I pay using bank transfer?

You're assigned unique Wise bank account details to complete the payment — this helps match your payments faster, reduce processing delays, and improve confirmation speed.

You can transfer money directly from your bank account using:

1. Log in to your bank account

2. Add the beneficiary bank account details that Wise shows on your Wise account

3. Transfer the exact amount shown on Wise

You can check with your bank for the latest limits.

How do I pay using Google Pay bank transfer option?

You can use the Bank transfer option inside Google Pay.

1. Open Google Pay and Go to the Bank Transfer section.

2. Add the bank account details shown on Wise to add Wise as a beneficiary.

3. Enter the exact transfer amount shown on Wise, including decimal places.

4. Complete the payment.

You can transfer up to 100,000 INR per day using Google Pay bank transfer.

What should I do if my payment is delayed?

If your payment is delayed:

1. Verify that you transferred the exact amount

2. Check that the beneficiary account details are correct

3. Confirm the payment status with your bank or UPI app

4. Ensure the payment was made from your own bank account

5. Check your email if you've received any discrepancy emails from Wise

6. Contact Wise support if the issue continues