U-Pay Student Card – A Smarter Way to Pay Your International University Fees
What is the U-Pay Student Card?
The U-Pay(University payment) Student Card is a dedicated student payment solution offered by Orient Exchange India, that helps you to pay international education payments such as overseas university fee & university application fees even before your visa and flight tickets are issued.
It is mainly built to reduce dependency on expensive foreign payment platforms.
U-Pay Student Card vs Foreign Payment Platforms: A Detailed Comparison
| SL NO | Criteria | U-Pay Student Card | Foreign Payment Platforms |
|---|---|---|---|
| 1 | Payment Risk | Direct payment to university independently by student | Third-party involvement |
| 2 | Payment Confirmation Time | Instant confirmation | Delayed confirmation (2–3 working days) |
| 3 | Transaction Processing Time | Instant / Same day | 2–3 working days |
| 4 | Forex Conversion | Direct payment in that particular currency | Forced cross-currency conversion |
| 5 | Part Payment | Easy part payments with lower cost | Each transfer attracts huge charges |
| 6 | Smaller Payments | Admission/Application fee highly cost-effective | Not suitable for small payments |
| 7 | Living Expenses | Yes – can be used abroad for daily spends | No, only for tuition payments |
| 8 | Processing Fee | Zero & specified | High processing fees |
| 9 | Intermediate Bank Charges | Not applicable | Huge amount applicable (2k to 3k) |
| 10 | Refund Charges | Minimal or nil | High refund & reversal charges |
| 11 | Refund Credit | Faster refund to card | Delayed refund via banks |
Why Indian Students should Choose U-Pay Student Card ?
- Cost effective compare to other foreign payment platforms for international education payments
- No visa or air tickets required to get started
- Covers Overseas university fees & application fees
- Faster transactions with 24×7 payment access
- Direct payment confirmation from universities
- Designed only for education-related payments
Card Usage before submitting Visa & Air-ticket
- ATM and POS transactions are disabled by default at the time of card activation
- E-commerce payments are enabled for 60 days from the activation date
- Card usage is strictly controlled to ensure funds are used only for education purposes
- Flexible Loading & Re-loading
- The card can be reloaded if you make part payments initially
- Supports initial load + reloads based on university payment schedules
- Upgrade After Visa & Ticket Submission
Once you submit your visa and air ticket following features will be activated:
✅ All card channels can be enabled
✅ Greater flexibility in card usage
How to get refund from University?
If the university issues a refund:
- The amount is credited directly back to your U-Pay(university payment) Student Card
- Students can en-cash the remaining balance and save on hefty third-party margins
Who Can Benefit from the U-pay Student Card?
- Indian Students applying to universities abroad
- Indian Students awaiting visa or flight confirmation
- Students making part or phased university fee payments
- Parents looking for a secure and cost-effective way to pay their child’s education fees abroad, where the card is issued in the student’s name but can be funded by parents.
Ready to Pay Smarter for Your Education?
Get your U-Pay(University Payment) Student Card today and take control of your international education payments—early, faster, and at a lower cost.
Talk to a Student Payment Expert: 📞 080-46003700
Frequently Asked Questions
It is a prepaid card designed for Indian students to make international university fee and application payments easily and cost-effectively.
Yes, you can start using the card even before your visa and travel tickets are issued.
You can pay university tuition fees, application fees, and other education-related expenses.
Yes, payments are processed instantly or on the same day in most cases.
No, the card offers zero forex markup, making it highly cost-effective.
Yes, the card supports flexible part payments and reload options.
The refund is credited directly back to your card with minimal charges.
Yes, parents can load funds onto the student’s card.
Yes, after submitting visa and travel documents, full usage including POS and ATM will be enabled.
Yes, it eliminates intermediaries, reduces costs, and ensures faster payment confirmation.