I actually used this during my trip to India two weeks ago and it was a lifesaver. Made life so much more convenient. The app is simple to use and works well. Two pain-pints for the though: * you can scan a QR code and pay, but you cannot pay to a phone number unless you add the number to your contacts (and give access to the app to your full contact list). This is obviously very cumbersome when you are trying to make a one-time payment after making a purchase. I contacted Cheq support and they had no solution. * there is no good way to withdraw remaining funds in your wallet at the end of your trip by sending it to a bank account. You can only send it to another UPI address which is pointless as NRIs don't have one to send to in the first place. Overall a good venture once you iron out the kinks.