Consider the following countries: I. United Arab Emirates II. France III. Germany IV. Singapore V. Bangladesh. How many countries amongst the above are there other than India where international merchant payments are accepted under UPI?

• I. United Arab Emirates — Correct. UPI-based merchant payments were enabled in the UAE through acceptance at merchant locations.
• II. France — Correct. UPI was launched in France, allowing Indian users to make merchant payments, beginning with places like the Eiffel Tower.
• III. Germany — Incorrect. Germany was not among the countries where international merchant payments under UPI had been accepted at the relevant time.
• IV. Singapore — Correct. India-Singapore linkage enabled UPI usage, and Singapore was counted among places accepting UPI-based payments.
• V. Bangladesh — Incorrect. Bangladesh was not on the list of countries where UPI international merchant payments were accepted at that time.

Hence, 3 countries are correct: UAE, France and Singapore → (b) Only three.