> The Cheq UPI app works ONLY in India and we must verify your passport in-person before activating the UPI wallet.

LOL, in person passport verification, really? No thanks. And even if that would be OK, where and when?

The bullet points suggest that there is no sensible way for a foreigner to pay in India so I just won't go to India. That said, paying cash is probably an experience not as bad as depicted. I've been to countries were the only option was bringing local currency either from home or from an exchange counter in the capital. Not much can be worse than that.