How can I get an electronic payment method that will be accepted by most Indian merchants, as my foreign credit card isn't often accepted?
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There is no way for a foreign tourist to open a bank account in India. So, these are the options.
Use Visa / Master card. Nowadays, most big merchants and hotels will accept cards. Services like Uber, Zomato and more will also accept it. Your foreign card will work well. You can use it and carry cash for rest.
Paytm. Paytm allows toping up the account with a credit card. You can use that in any places that has paytm. Paytm is accepted by many smaller merchants. For a general UPI payment, it may not work.
Ask a friend to help. Many neobanks allow to open a bank accounts easily online. They will give a card also. You can transfer to that account and use it. Although, it carries some risk to your friend and they may not agree.
Always carry some limited cash. Cash is still the king in India.
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