Buy crypto in India with UPI
Category: Payments & Providers
Answer
UPI (Unified Payments Interface) is the most convenient way to buy crypto in India through Swaps. You pay from any UPI-enabled app — Google Pay, PhonePe, Paytm, BHIM, Amazon Pay — and your crypto arrives at the wallet address you provided. How it works on Swaps 1. On the Swaps homepage, set country to India, currency to INR, and choose UPI as the payment method. 2. Pick the crypto you want to receive (USDT, USDC, BTC, ETH, BNB, MATIC, SOL are supported on India's UPI rail). 3.
Paste your wallet address — make sure the network matches (e.g. USDT-Tron, USDT-ERC20). Use Swaps Search if you want to double-check an address before committing. 4. Click Buy. You will be redirected to the Onmeta widget, our [FIU-IND-registered](https://www.onmeta.in) Indian on/off-ramp partner. 5. Complete identity verification (PAN + Aadhaar + selfie + liveness, ~3 minutes). Onmeta hosts this — Swaps never sees your PAN or Aadhaar details directly. 6. Approve the UPI collect request on your phone.
Payment confirms in seconds. 7. Crypto is delivered to the wallet address you provided, usually within 5-15 minutes after confirmation. Fees Onmeta's price on a UPI purchase is about 5% of the transaction amount, all-in: it covers FX, FIU compliance and settlement, and it includes a share for Swaps. That price is included in the rate you see at the widget — there are no hidden charges. The widget shows you exactly how much crypto you will receive before you confirm.
Limits UPI per-transaction limits depend on your bank's UPI policy and on Onmeta's KYC tier. As a rule of thumb: - Per-transaction: ₹500 to ₹1,00,000 (Onmeta-side cap; some banks lower this further) - Daily: up to ₹4,00,000 across multiple transactions, subject to your bank and Onmeta tier On Swaps, UPI is the way to pay in INR: IMPS and bank transfer are not offered. KYC requirement Onmeta is FIU-IND registered and is legally required to perform full KYC on every Indian user.
About this answer
Buying crypto on Swaps means choosing a coin, payment method, country, and amount, then comparing eligible live quotes for that combination. Swaps surfaces the final receive amount, accounting for spread and provider costs. Some corridors may support lighter verification below provider thresholds, while higher amounts or specific countries can trigger the provider's identity check. After provider execution the crypto goes to your receive address; Swaps does not hold your wallet keys.
Quick Links
Related Topics
Open this Help article
Related Pages