Comparing the two payments apps to help you pick the right one for India.
| Cheq | Mony | |
|---|---|---|
| Description | A visitor-focused UPI wallet for eligible foreign nationals and NRIs after in-person verification. | A UPI One World wallet built for international visitors, funded from eligible foreign cards after identity checks. |
| Essential? | No | No |
| Pro Tip | It pays registered merchant QRs, not personal P2P QRs. Verify the current activation, card-loading and refund charges before committing funds. | Check eligibility, loading costs and refund terms before adding a small amount. Keep cash because personal UPI QRs and some merchants may not work. |
| App Store | Download | Download |
| Play Store | Download | Download |
We recommend Mony for payments in India. Check eligibility, loading costs and refund terms before adding a small amount. Keep cash because personal UPI QRs and some merchants may not work.
Mony is our top recommendation for payments in India. A UPI One World wallet built for international visitors, funded from eligible foreign cards after identity checks.
Cheq vs Mony in India