NPCI International Payments Ltd. (NIPL) has entered into a commercial arrangement with Uzbekistan’s HUMO. The agreement gives Indians travelling in the country a way to make merchant payments through apps that support UPI.

The payment process centres on scanning a UZQR code with a UPI-enabled app. The report identifies both tourists and students as users who can benefit from this option. It describes the merchant transactions as instant, bringing a familiar payment method to Indians spending in Uzbekistan.

According to the report, the arrangement does away with foreign-exchange mark-ups and removes the need to use cash for these payments. That is the main customer-facing benefit described in the announcement: paying a merchant digitally rather than relying on cash while abroad.

However, the supplied information does not name the supported apps or participating merchants. It also does not specify transaction limits, explain the exchange-rate calculation or set out a process for resolving failed payments. Those operational details remain unstated, so the agreement should not be read as confirmation that every app or merchant is covered.