Buy USDT with IMPS: live P2P price in INR
Ads that accept IMPS only · updated 28 Oct 2026, 13:24 UTC
Price by order size (IMPS ads only)
Sellers accepting IMPS (checked)
| Platform | Merchant | Price | Limits (INR) | Available USDT | Payment | Check | |
|---|---|---|---|---|---|---|---|
| Binance P2P | User-901c4 1 orders · 100% | 103.00 | 200.00 – 1,184 | 11.500 | IMPS, UPI | low_orders | Order → |
| Binance P2P | CRYpToXprsS 34 orders · 100% | 103.35 | 5,000 – 120,189 | 1,163 | UPI, IMPS | low_orders | Order → |
| Binance P2P | REDDx 944 orders · 100% | 103.44 | 200.00 – 500,000 | 8,991 | UPI, UPI, IMPS | ok | Order → |
| Binance P2P | TheCryptoKumar 310 orders · 99% | 103.45 | 20,000 – 489,631 | 4,733 | IMPS, Bank Transfer (India), UPI | ok | Order → |
| Binance P2P | Ravi_crypto_india 136 orders · 99% | 103.49 | 30,000 – 525,396 | 5,077 | IMPS, UPI | ok | Order → |
| Binance P2P | CHOUDHARY- 879 orders · 100% | 103.78 | 200,000 – 2,000,000 | 50,000 | IMPS, IMPS, Bank Transfer (India) | ok | Order → |
| Binance P2P | SmallShark 993 orders · 100% | 103.79 | 200,000 – 2,500,900 | 37,973 | UPI, Bank Transfer (India), IMPS | ok | Order → |
| Binance P2P | BharatCX 746 orders · 100% | 104.03 | 40,000 – 656,153 | 6,307 | Bank Transfer (India), UPI, IMPS | ok | Order → |
| Binance P2P | GenuineGatewayTrader 1815 orders · 100% | 104.28 | 7,000 – 500,000 | 38,281 | UPI, IMPS, Bank Transfer (India) | ok | Order → |
| Binance P2P | Talented-Trader 190 orders · 100% | 104.48 | 30,000 – 100,000 | 1,563 | UPI, Bank Transfer (India), IMPS | ok | Order → |
| Binance P2P | TRILOCHANA_ 138 orders · 99% | 104.49 | 30,000 – 200,000 | 3,009 | Bank Transfer (India), IMPS, UPI | ok | Order → |
| Binance P2P | GANESH2331 257 orders · 99% | 104.49 | 21,000 – 200,000 | 2,498 | UPI, Paytm, Google Pay (GPay) | ok | Order → |
| Binance P2P | NOVA-BLACK 207 orders · 100% | 104.55 | 70,000 – 518,782 | 4,962 | UPI, Bank Transfer (India), IMPS | ok | Order → |
| Binance P2P | LORDWELL 446 orders · 100% | 104.60 | 150,000 – 2,000,000 | 23,719 | UPI, IMPS, Bank Transfer (India) | ok | Order → |
| Binance P2P | SECTOR12 282 orders · 100% | 104.70 | 70,000 – 826,575 | 7,895 | UPI, IMPS, Bank Transfer (India) | ok | Order → |
Greyed rows failed a check: bait price, limit mismatch, or a merchant below 50 orders / 90% completion. Snapshot 28 Oct 2026, 13:24 UTC.
Selling USDT for IMPS: highest bids
| Platform | Merchant | Price | Limits (INR) | Available USDT | Payment | Check | |
|---|---|---|---|---|---|---|---|
| HTX P2P | DTseller 7 orders · 29% | 115.00 | 25,000 – 2,300,000 | 200,000 | SWIFT international remittance, IMPS, UPI | bait, low_orders, low_completion | |
| Binance P2P | IND_SAFE_FUND 5 orders · 100% | 104.40 | 30,000 – 150,000 | 6,000 | UPI, Paytm, IMPS | low_orders | Order → |
| Binance P2P | gujratTrader 11 orders · 100% | 103.80 | 90,000 – 519,000 | 5,000 | Paytm, IMPS, Google Pay (GPay) | low_orders | Order → |
| HTX P2P | VIVIAN TRADING 4 orders · 66% | 103.20 | 50,000 – 62,000 | 200,000 | IMPS, UPI | low_orders, low_completion | |
| HTX P2P | likhith 15 orders · 57% | 103.02 | 20,000 – 500,000 | 193,788 | IMPS, UPI | low_orders, low_completion | |
| HTX P2P | FASTREALESEF 5 orders · 62% | 102.80 | 10,000 – 40,000 | 199,105 | Google Pay (GPay), IMPS, UPI | low_orders, low_completion | |
| HTX P2P | Offical 4 orders · 30% | 102.20 | 10,000 – 500,000 | 57,563 | IMPS, UPI | low_orders, low_completion | |
| HTX P2P | ★ ✧Trust Me✧ ★ 22 orders · 88% | 102.10 | 40,000 – 8,873,304 | 155,811 | IMPS, Cash Deposit | low_orders, low_completion | |
| HTX P2P | FASTREALESEA 0 orders · 0% | 102.05 | 10,000 – 25,000 | 199,607 | Google Pay (GPay), IMPS, UPI | low_orders, low_completion | |
| HTX P2P | FASTREALESEG 13 orders · 92% | 102.00 | 10,000 – 40,000 | 195,456 | Paytm, IMPS, UPI | low_orders |
Other payment methods
Paying with IMPS on Binance, Bybit and OKX P2P
NPCI describes two ways to send IMPS: to the payee's account number and IFSC, called P2A, or to their mobile number plus the seven-digit MMID their bank issues, called P2P. Bybit's P2P terms make the buyer responsible for checking that the seller's bank account name is identical to the name verified on Bybit, and Bybit accepts no liability for losses from a failure to check. Binance's policy adds that the method used in an order must match the one set in the ad, and that where a seller prefers an instant or quick payment, no other method may be used without the seller's prior consent.
Bybit has a set procedure for third-party payments. The seller may return the money to the original payer within 48 hours and keep the crypto; if that refund fails, the buyer carries the loss. A seller who releases against a third-party payment, or does not refund it within 48 hours, carries the loss instead. On timing, Binance and OKX both separate real-time payments from slower ones: if the seller is still holding the crypto 15 minutes after a real-time payment, support steps in and can release it by hand, while for non-instant methods Binance allows two working days and OKX two to five depending on region.
Settlement time and limits
The per-transaction ceiling and the 24×7 service are on the INR page. NPCI's IMPS FAQ fills in the rest: transfers run on holidays too, sender and receiver each get an SMS confirmation, the service includes a beneficiary account check, and there is no stop payment, so a request cannot be cancelled once it has been initiated. Complaints are logged with your own bank. Each member bank or PPI sets its own IMPS charges. Binance's policy says the amount sent should be inclusive of the payment provider's fees unless one side explicitly agreed beforehand to pay them, and Bybit's terms bar sellers from charging buyers anything beyond the payment provider's fees.
When the debit goes through but the seller's bank never credits it, the RBI's 2019 framework obliges the beneficiary bank to auto-reverse an IMPS transfer no later than T+1, where T is the calendar date of the transaction. Each further day of delay earns ₹100, which banks must credit without waiting for a complaint, and unresolved cases can go to the RBI Integrated Ombudsman Scheme, 2021.
What goes wrong
- The remarks field. NPCI's IMPS form lets the sender add remarks or a payment reference. Bybit's terms forbid words or phrases related to digital currency there, naming "USDT", "Cryptocurrency" and "Bybit purchase".
- Split or uneven amounts. Bybit counts a payment that differs from the order amount, or one sent in several transactions, as irregular: the buyer must give a valid reason and proof, and the seller can decline the order and refund, with fees on the buyer.
- Underpaying on Binance. If a payment falls short of the order, Binance asks the buyer to send the rest within a set time; if the buyer does not, the seller refunds what arrived.
- Fake credit alerts. Binance's scam guide warns of SMS messages made to look like bank notifications and of edited payment screenshots, and tells sellers to log in to the bank account itself before releasing.
- Frozen accounts. For a seller's bank account frozen after a P2P trade, Binance's own guidance is summarised on the INR page.
Sources
- NPCI — About IMPS (accessed 2026-10-28)
- NPCI — IMPS Frequently Asked Questions (accessed 2026-10-28)
- Reserve Bank of India — Harmonisation of TAT and customer compensation for failed transactions (20 September 2019) (accessed 2026-10-28)
- Bybit Help Center — P2P Terms of User Service (accessed 2026-10-28)
- Binance Support — Binance P2P User Transaction Policy (accessed 2026-10-28)
- Binance Support — Binance P2P Appeal Handling Rules (accessed 2026-10-28)
- Binance Support — How to Avoid Common P2P Scams (accessed 2026-10-28)
- OKX Help — OKX P2P dispute handling rules (accessed 2026-10-28)
Questions people ask
How much is USDT right now when paying with IMPS?
Counting only ads that accept IMPS, a 1,000 USDT order averaged 103.44 INR (about 103,440 INR) in the latest observation, across 17 ads. The cards above refresh every 90 seconds.
Which platform has the most sellers accepting IMPS?
In the latest observation Binance P2P had the most checked IMPS ads (14). Counts move all day; the sellers table above is sorted by price and names the platform.
How is the price on this page calculated?
We take the public P2P ads of Binance, OKX, Bybit, Bitget and HTX, keep the ones that can fill the order size, walk them from the best price and average what the order would cost. Bait prices more than 3% better than the median of the top 20, and merchants under 50 orders or below 90% completion, are excluded. Numbers are recomputed every 90 seconds; the methodology page has the full rules.
What does IMPS P2A mean?
P2A stands for person to account: the sender pays using the beneficiary's account number and IFSC. NPCI added it next to the original P2P mode, which needs the beneficiary's mobile number and a seven-digit MMID, because a payee whose mobile number is not registered with any bank account cannot be reached through MMID. A payee who receives through account number and IFSC does not have to register for IMPS. For a P2P crypto order, the receiving account still has to be in the seller's verified name on Binance or Bybit.
How long does an IMPS failed transaction refund take?
The RBI's turnaround-time circular of September 2019 sets the outer limit. If an IMPS debit does not reach the beneficiary account, the beneficiary bank has to send it back automatically by T+1, T being the day of the transaction, and owes ₹100 for each day beyond that, credited without a claim. NPCI says IMPS complaints go to your own bank; customers left without redress within the timeline can turn to the RBI Integrated Ombudsman Scheme. Once initiated, an IMPS payment cannot be stopped.
What are IMPS charges?
NPCI leaves IMPS charges to each member bank and PPI, so the fee depends on the bank you send from and NPCI tells customers to check with it. On P2P platforms the fee also shapes the order: Binance's transaction policy says the sent amount should include payment-provider fees unless one party agreed in advance to cover them, and Bybit does not allow a seller to collect fees beyond what the payment provider charges, whether the order completes or is cancelled.