Matrix eSIM alternative: no KYC, pay by UPI
Matrix is an Indian seller, so it already speaks to rupee pricing. The differences show up in delivery, ID checks and refunds. Here is the head-to-head, with each Matrix point taken from its own site.
Head to head: Tripmojo and Matrix
| What matters | Tripmojo | Matrix | What we found |
|---|---|---|---|
| Pay in rupees, by UPIAvoids your bank's forex markup on dollar prices | Yes: ₹ + UPI | Partly: ₹, UPI not stated | Airalo's currency list has no rupee and its payment list has no UPI; Nomad takes cards, Apple/Google Pay and PayPal. A dollar price on an Indian card usually picks up your bank's forex markup. |
| Refund if your phone is lockedThe most common reason an eSIM won't install | Yes: Full refund | No: No refund | A carrier-locked phone is the most common reason a travel eSIM won't install. Matrix's policy says no refund for an incompatible handset; Saily refunds only plans that were never activated, within 30 days. Matrix refundsSaily refundsNomad install-failTripmojo refunds |
| Refund if it never connectsIf it installs but never gets signal | Yes: Full refund | Partly: Within 5 days | Airalo refunds an eSIM that isn't working to your original payment method. Nomad wants proof the fault was theirs; Matrix's window is five days from purchase. Ours runs for the plan's whole validity. |
| Days start when you landNo days used while you wait at home | Yes: First connection | Not stated: Unclear | Airalo starts most plans on first connection but some on install, so check each plan's policy. Saily auto-activates an unused plan after 180 days. |
| No ID upload to buyQR right after payment | Yes: None | No: Passport copy | Matrix sends the QR within about four hours, after you email a passport copy. Ours shows on screen as soon as you pay. |
Checked on each provider's own pages on 27 October 2026. Policies change. ‘Not stated’ means we couldn't find it on their site, not that they don't do it.
Where Matrix does well
- Matrix shows prices in rupees. Matrix vs Saily
- Matrix says it offers 24x7 India-based support by phone and WhatsApp, plus airport counters. That is Matrix's own claim. Matrix vs Saily
Other facts we checked
- The QR is emailed within about 4 hours, after KYC. Matrix delivery
- KYC asks for a passport copy (front and back) emailed to Matrix. Matrix KYC
- Refunds are honoured within 5 days of purchase for non-delivery, irreparable defects or not-as-described. There is no refund if the handset is incompatible. Matrix refunds
Questions about Tripmojo vs Matrix
Do I need to send a passport to buy a Matrix eSIM?
Matrix's KYC rules ask for a copy of your passport, front and back, emailed to them, and the QR follows within about 4 hours. Tripmojo has no ID upload and shows the QR on screen in about 2 minutes.
Does Matrix take UPI?
Matrix shows prices in rupees, but we did not find its payment methods stated on the pages we checked. Tripmojo takes UPI, Indian cards and netbanking.
What if my phone is locked?
Matrix's refund policy says no refund if the handset is incompatible. Tripmojo gives a full refund if the eSIM cannot install, including on a locked phone, and support cannot fix it.
How long is the Matrix refund window?
Five days from purchase, for non-delivery, irreparable defects or not-as-described. A Tripmojo refund for an eSIM that never connects runs for the plan's whole validity.
Do I keep my Indian number with Tripmojo?
Yes. Tripmojo is data-only with no phone number, so your Indian SIM stays active for OTPs and WhatsApp.
Ready to pick a plan?
Rupee pricing, UPI, and a QR on screen in about 2 minutes.
