[skwashd]

The summary says:

> Apart from the 10$ account opening fees, there are no other costs for using the product. Funds added can be spent anywhere across India.

As mentioned above, there is a 3.5% fee for adding funds.

I looked into Cheq before my recent trip to India. After doing the math I realised it was cheaper to take out some cash at the airport for smaller transactions and tips. I had no issue using my credit card at larger stores.

[OJFord]

Part of the motivation is that even cash isn't accepted by everyone. Someone I was with last time I went had to get a stranger to make the UPI payment to vendor in exchange for cash. Nice of them, but what a faff, and my own Hindi wouldn't have been up to it. (Maybe you'd find someone willing and with enough English to arrange it, but that's only adding complexity.)

I'd definitely prefer this next time, if I could count on being able to set it up. (Or knew I'd go again so set it up while there for next time.)

[sudshekhar]

Currently, we're not charging the 3.5% fees to customers.

Its in the "plan" and we'll introduce it once the volumes go up enough to require compensations. Maybe in 2-3 months or longer.

Hence, the summary says 10$ only.