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UPI

UPI

Indian Instant Payments

VS

Alipay

Chinese Consumers

Alipay
Fees from
Free for users vs Custom
Features

1 shared

1 unique to UPI · 1 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

1 shared

3 unique to UPI · 6 unique to Alipay
On settlement

UPI settles in Instant; Alipay settles in Next business day. Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.
UPI UPI
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Free for users
Custom
Settlement
Time to receive funds
Instant
Next business day
Founded
2016
2004
Headquarters
Mumbai, India
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
Alipay leads (7 vs 4)
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Mobile Payment Unique
✓
—
Qr Code
✓
✓
Unionpay Unique
—
✓
Upi Unique
✓
—
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

UPI is best when you...

Indian Instant Payments
Need Low Fees
Not available with Alipay
View UPI

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with UPI
Want coverage in Africa, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
UPI doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between UPI and Alipay?
They share 1 payment method and 1 region. UPI adds Bank Transfer, Mobile Payment, UPI that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 3 more that UPI does not list; Alipay also covers Africa, Europe and 5 more; only UPI offers Low Fees.
Which is cheaper, UPI or Alipay?
UPI has published rates from Free for users; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use UPI and Alipay?
UPI lists 1 region and 4 payment methods; Alipay lists 8 and 7. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do UPI and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; UPI settles in Instant, Alipay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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