For Indian travellers, making payments overseas is beginning to look very different from what it did just a few years back. Instead of lugging around a lot of cash, stressing over forex cards, or paying high credit card conversion charges, many travellers today are increasingly using UPI at shops, restaurants, airports, and retail outlets overseas. But while UPI abroad offers convenience, experts say many travellers still do not fully understand how international UPI payments actually work, what charges apply, where payments may fail, and what fraud risks users should watch out for.