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What are the best payment gateways for international payments in India?

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Editorial team, serviceexportguide.com
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17 min read

Short answer

On published fees for a USD 10,000 payment by card or payment link, Razorpay has the lowest estimated cost at 2.00 to 2.36%, via an ACH debit link.66 Payoneer card payment requests cost 2.90% plus $0.49.1 PayPal charges 4.40% plus a fixed fee.2 Stripe adds 2% where conversion is required.3 The RBI caps each PA-CB export transaction at ₹25 lakh.10

PlatformBest forEstimated cost on USD 10,000
RazorpayLocal transfers from the US, UK and eurozone362.00 to 2.36% (FlashLinks payment link paid by ACH debit)66
PayoneerMarketplace payouts such as Amazon or Upwork871.99 to 4.96% (payment request paid by US ACH debit)158
PayPalClients paying by card or PayPal balance267.27 to 8.23% (PayPal checkout or invoice)260

A payment gateway lets a foreign customer pay by card or wallet on a checkout page, payment link or invoice. It suits a course creator selling to students abroad, a SaaS company billing subscriptions or an agency whose clients prefer to pay by card. It is a different product from a collection account, where the client pays by bank transfer; see virtual accounts for exporters for that route.

This page orders the providers that publish a way for foreign customers to pay by card or payment link by estimated cost on their published fees, then sets out what each one publishes.

What are the best payment gateways for international payments in India?

The best payment gateway for international payments in India is one the RBI permits to handle inward cross-border payments, that accepts your business type and that publishes its card and conversion fees.4 On published fees for a USD 10,000 payment by card or payment link, the lowest estimated costs are at Razorpay, Payoneer and PayPal, in that order.66158260

  • Card checkout and subscriptions: Stripe, for invited proprietorships, LLPs and companies.56
  • Card or PayPal checkout with INR settlement: PayU.8
  • Software sold worldwide: Dodo Payments, as merchant of record.19
  • Card or local methods for incorporated companies: Tazapay.41

Published international card fees range from 2.90% plus $0.49 (Payoneer payment requests) to 4.40% plus a fixed fee (PayPal).12

Which payment gateways rank highest for international payments in India?

Ranked by estimated cost on a USD 10,000 payment by card or payment link, from published fees checked on 28 October 2026, the order is Razorpay, Payoneer and PayPal.66158260

RankPlatformRoute costedEstimated cost on USD 10,000Best for
1RazorpayFlashLinks (US) payment link paid by ACH debit2.00 to 2.36%66Local transfers from the US, UK and eurozone36
2PayoneerPayment request paid by ACH bank debit (US only)1.99 to 4.96%158Marketplace payouts such as Amazon or Upwork87
3PayPalPayPal checkout or invoice7.27 to 8.23%260Clients paying by card or PayPal balance26

Airwallex, Cashfree Payments, Dodo Payments, PayU, PingPong, Stripe, Tazapay, TransFi and Winvesta do not publish enough pricing for this route to estimate a cost, so they follow, A to Z. Wise says card acceptance is not available to India-based businesses, and Skydo publishes no card option.1112

How do the best payment gateways for international payments compare?

The best payment gateways for international payments compare on RBI status, who can sign up, card fee, conversion, settlement, FIRC and dispute costs, as each provider publishes them.4 Rows follow the ranking above.

How do payment gateways compare on status and card fees?

The table covers providers that publish a way for foreign customers to pay by card.4

ProviderStatus in IndiaWho can sign upCard payments from clientsBest for
RazorpayRBI-listed PA-CB for inward and outward transactions4Indian businesses with Razorpay KYC; the MoneySaver form lists Individual, proprietorship, partnership, companies and LLP36Up to 3% + 18% GST37Local transfers from the US, UK and eurozone36
PayoneerRegistered OPGSP; PA-CB in-principle authorisation only, which RBI lists as unable to operate as a PA-CB yet2223Individuals (freelancers) and businesses, aged over 1824252.90% + $0.49 through a payment request1Marketplace payouts such as Amazon or Upwork87
PayPalOPGSP under its India user agreement; RBI status list shows in-principle PA-CB authorisation2326Indian residents with individual or business accounts, with PAN and full KYC262728Within the 4.40% + fixed fee; no separate card rate2Clients paying by card or PayPal balance26
AirwallexNot on the RBI payment aggregator list under the name Airwallex; India businesses are onboarded by its Singapore entity413Companies, LLPs, partnerships and proprietorships (GST certificate needed for the last two); no route listed for unregistered individuals14Singapore pricing 3.30% or 3.60% + SG$0.50; India eligibility not published1516Registered businesses paid by bank transfer1488
Cashfree PaymentsRBI-listed PA-CB for inward and outward transactions4Registered businesses only17182.99% Visa and Mastercard, 2.95% Amex17Registered businesses paid by local transfer1883
Dodo PaymentsNot on the RBI payment aggregator list; acts as merchant of record419Individuals with a PAN, and registered entities204% + 40c; +1.5% for cards issued outside the US21Software and digital product sellers1984
PayURBI-listed PA-CB for inward and outward transactions4Individuals to companies can open an account; international payments are enabled through an account manager, eligible types not published29303% + GST31Card or PayPal checkout with INR settlement8
PingPongSays it is an OPGSP with an RBI-approved liaison office; not among RBI-listed PA-CBs432Individuals and businesses (partnerships, corporations, sole proprietorships)33Fee not published3435Collecting marketplace and processor payouts3464
StripeRBI-listed PA-O only; its PA-CB application was withdrawn; cross-border by invite42338Invite only; sole proprietorships, LLPs and companies, not individuals563%, 3.5% or 4.3%, plus 2% if conversion is required339Card checkout and subscriptions56
TazapayNot on the RBI payment aggregator list; says it operates through Tazapay Canada Corp. under the Rupee Drawing Arrangement440Incorporated businesses only413.8% + USD 0.542Companies taking card or local payment methods4185
TransFiNot on the RBI PA-CB list; names no Indian licence443Says businesses and individuals; eligibility of Indian residents not published44Says cards are supported; fee not published45Payment links shared in chat, including stablecoins4589
WinvestaSays it is an OPGSP; not on the RBI payment aggregator list or PA-CB application tables42346Freelancers (PAN, Aadhaar) and businesses4748Through payment links; card fee not published49Local transfers with a published per-payment fee9091

How do payment gateways compare on conversion, settlement and FIRC?

This table shows the conversion terms, settlement time and FIRC terms each provider publishes.4

ProviderConversion to INRTime to Indian bankFIRA or FIRCBest for
RazorpayBank transfers: says 0% markup at live rate; cards: markup not published6667Bank transfers T+1 after invoice details; cards T+7 working days3668FIRS emailed within 24 hours after settlement for bank transfers; no charge published3669Local transfers from the US, UK and eurozone36
Payoneer1% to 4% on withdrawal to INR; exact rate shown in the account1Within 48 hours (pricing page) or 24 hours (account page)125Free digital FIRA per transaction, in 24 to 72 hours (also given as 1 to 3 business days)58Marketplace payouts such as Amazon or Upwork87
PayPal3.0% or 4.00% above base rate; page does not say which applies to INR withdrawals2Up to 5 business days59Free weekly digital FIRA; custom FIRA ₹100 + GST per transaction60Clients paying by card or PayPal balance26
AirwallexSingapore schedule: 0.40% for major currencies, 0.60% for a list including INR; how it applies to USD to INR not published150 to 2 business days for local INR payouts50FIRC from a partner bank on request through support; fee may apply, not published51Registered businesses paid by bank transfer1488
Cashfree PaymentsSays no forex markup; rate and spread not published5253Global Collections: Not published; cards T+25354e-FIRA free within 1 day (product page); eFIRS on T+1 on request (docs)5355Registered businesses paid by local transfer1883
Dodo PaymentsPays out in USD, GBP or EUR; your bank converts at its own rate56Payout cycle, bi-monthly by default; then 1 to 2 or 1 to 5 business days (FAQ gives both)2056On request, per a Dodo blog post; cost not published57Software and digital product sellers1984
PayURate on transaction date; margin not published61Typically T+28FIRC on request through the account manager; cost not published61Card or PayPal checkout with INR settlement8
PingPongSet by PingPong at its discretion; no percentage published62INR: same day before 2:30 pm, else next day; freelancer page says 1 to 2 working days6364Free digital FIRC, applied for in the dashboard, 3 to 5 business days65Collecting marketplace and processor payouts3464
StripeAdditional 2% if conversion is required3Daily payouts of card payments made five business days earlier9No FIRC from Stripe; Standard Chartered payment advice to take to your bank70Card checkout and subscriptions56
TazapayNot published; rate shown before you confirm71Weekly by default, then local settlement T+0 to T+17273FIRC USD 4, requested from partner banks4274Companies taking card or local payment methods4185
TransFiBenchmarked to mid-market, per TransFi; markup not published75Minutes to hours (route page) or bank cycle (help centre)7576Not published75Payment links shared in chat, including stablecoins4589
WinvestaAdvertises 0% markup; reference rate not published7778USD 1 business day after processing; EUR and GBP 279Free e-FIRA emailed within 24 hours of funds reaching your bank80Local transfers with a published per-payment fee9091

Note: Several card fees exclude GST. Razorpay lists up to 3% plus 18% GST, PayU 3% with GST extra, and Stripe charges 18% GST on its fees.313781

How do payment gateways compare on disputes and refunds?

Dispute and refund costs are published by only some gateways.2382

ProviderDispute or chargeback feeRefundBest for
PayPalFor example 8.00 USD at the standard rate2Receiving fees are not returned2Clients paying by card or PayPal balance26
Stripe₹1,000 per dispute3Processing and conversion fees are not returned3Card checkout and subscriptions56
TazapayUSD 15 per card dispute82USD 2 per card refund82Companies taking card or local payment methods4185

See chargebacks on international payments.

How do payment gateway fees change with invoice size?

Payment gateway fees change with invoice size because most card fees are a percentage plus, at some providers, a fixed amount per payment.12142 The fixed part weighs more on a small payment, and the percentage dominates on a large one.

PlatformBest forINR on USD 2,000INR on USD 5,000INR on USD 10,000Cost on USD 5,000
RazorpayMost INRMoneySaver Export Account: bank transfer to virtual account details (Standard plan)Local transfers from the US, UK and eurozone₹1,86,262 to ₹1,86,601₹4,65,655 to ₹4,66,503₹9,31,311 to ₹9,33,0071.00 to 1.18%
PayoneerLocal bank transfer to Payoneer receiving account detailsMarketplace payouts such as Amazon or Upwork₹1,80,947 to ₹1,86,601₹4,52,367 to ₹4,66,503₹9,04,734 to ₹9,33,0071.00 to 4.00%
PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)Clients paying by card or PayPal balance₹1,72,958 to ₹1,74,760₹4,32,436 to ₹4,36,940₹8,64,899 to ₹8,73,9087.27 to 8.23%

Not estimated because pricing for USD is not fully published: Cashfree Payments, Dodo Payments, Stripe, Tazapay.

Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.

  • Percentage only: Cashfree Payments lists 2.99% for Visa and Mastercard, and PayU 3% plus GST.1731
  • Percentage plus fixed fee: Payoneer payment requests cost 2.90% plus $0.49, Dodo Payments 4% plus 40c, and Tazapay 3.8% plus USD 0.5.12142
  • Conversion on top: Stripe adds 2% if conversion is required, and PayPal lists 3.0% or 4.00% above its base rate.32

For example, say a course creator sells a $50 course and an agency bills a $5,000 project by card. The $0.49 or 40c fixed part is about one per cent of the course price and a tiny share of the project, so compare gateways on your own typical payment.121

What does each of the best payment gateways for international payments offer?

Each payment gateway below is described on the same points, in the ranking order, using only the provider's own pages and the RBI's lists.4

Is Razorpay a good choice for Indian businesses taking international payments?

Best for: Local transfers from the US, UK and eurozone.36

Razorpay is an RBI-listed PA-CB for inward and outward transactions; its MoneySaver form lists Individual, proprietorship, partnership, companies and LLP as business types.436

  • Key features: international cards up to 3% plus 18% GST, and bank transfers alongside them.3736
  • Pros: estimated cost of 2.00 to 2.36% on a USD 10,000 FlashLinks ACH debit payment; FIRS emailed within 24 hours after settlement for bank transfers.663669
  • Cons: card settlement takes T+7 working days, the card conversion markup is not published, and a website with policy pages is needed for international cards.68677
  • Verdict: Razorpay fits when you want clients in the US, UK or eurozone to pay by local bank transfer (ACH, FPS or SEPA) and receive INR in your Indian bank account the next business day after invoice details are shared.36

Is Payoneer a good choice for Indian businesses taking international payments?

Best for: Marketplace payouts such as Amazon or Upwork.87

Payoneer is a registered OPGSP with PA-CB in-principle authorisation only, which the RBI lists as unable to operate as a PA-CB yet; it accepts individuals and businesses aged over 18.22232425

  • Key features: card payments through a payment request at 2.90% plus $0.49.1
  • Pros: a free digital FIRA per transaction, in 24 to 72 hours (also given as 1 to 3 business days).58
  • Cons: 1% to 4% on withdrawal to INR, with the exact rate shown only in the account.1
  • Verdict: Payoneer fits when you are paid by marketplaces or platforms that pay out to Payoneer, such as Amazon, eBay, Fiverr or Upwork.87

Is PayPal a good choice for Indian businesses taking international payments?

Best for: Clients paying by card or PayPal balance.26

PayPal operates as an OPGSP under its India user agreement, and the RBI status list shows in-principle PA-CB authorisation; it accepts Indian residents with individual or business accounts, PAN and full KYC.23262728

  • Key features: card payments within the 4.40% plus fixed fee, with no separate card rate; a free weekly digital FIRA.260
  • Pros: clients pay by card or PayPal balance without your bank details.26
  • Cons: estimated cost of 7.27 to 8.23% on USD 10,000; up to 5 business days to reach your bank; export payments above USD 10,000 restricted.2605926
  • Verdict: PayPal fits when your foreign client wants to pay by card or from a PayPal balance rather than by bank transfer.26

Is Airwallex a good choice for Indian businesses taking international payments?

Best for: Registered businesses paid by bank transfer.1488

Airwallex is not on the RBI payment aggregator list under the name Airwallex, and India businesses are onboarded by its Singapore entity.413

  • Key features: Singapore card pricing of 3.30% or 3.60% plus SG$0.50.1516
  • Pros: local INR payouts in 0 to 2 business days.50
  • Cons: card eligibility for India is not published, and the FIRC comes from a partner bank on request, with a fee that may apply.151651
  • Verdict: Airwallex fits when your business is a registered Indian company, LLP, partnership or GST-registered proprietorship that wants local account details abroad for clients paying by bank transfer.1488

Is Cashfree Payments a good choice for Indian businesses taking international payments?

Best for: Registered businesses paid by local transfer.1883

Cashfree Payments is an RBI-listed PA-CB for inward and outward transactions, for registered businesses only.41718

  • Key features: 2.99% for Visa and Mastercard and 2.95% for Amex; card settlement T+2.175354
  • Pros: Cashfree says there is no forex markup, and an e-FIRA is free within 1 day (product page).5253
  • Cons: the rate and spread are not published, and its docs describe eFIRS on T+1 on request.5255
  • Verdict: Cashfree Payments fits when you bill through a registered Indian business and want overseas clients to pay by local transfer in USD, EUR, CAD or GBP, with INR settled automatically.1883

Is Dodo Payments a good choice for Indian businesses taking international payments?

Best for: Software and digital product sellers.1984

Dodo Payments is not on the RBI payment aggregator list and acts as merchant of record; it accepts individuals with a PAN and registered entities.41920

  • Key features: 4% plus 40c, plus 1.5% for cards issued outside the US.21
  • Pros: customer-side sales tax and chargebacks sit with Dodo as the legal seller.19
  • Cons: payouts in USD, GBP or EUR, converted by your bank at its own rate, on a bi-monthly cycle by default; physical goods are not supported.5620
  • Verdict: Dodo Payments fits when you sell software, SaaS subscriptions or digital products to buyers in many countries and want another company to be the legal seller and handle sales tax, VAT and chargebacks.1984

Is PayU a good choice for Indian businesses taking international payments?

Best for: Card or PayPal checkout with INR settlement.8

PayU is an RBI-listed PA-CB for inward and outward transactions; international payments are enabled through an account manager.42930

  • Key features: 3% plus GST on international transactions, typically settled T+2.318
  • Pros: a published card fee and settlement time.318
  • Cons: the conversion margin is not published, and the FIRC is on request through the account manager.61
  • Verdict: PayU fits when your foreign clients prefer to pay by international card or PayPal on a checkout page and you want INR settlement.8

Is PingPong a good choice for Indian businesses taking international payments?

Best for: Collecting marketplace and processor payouts.3464

PingPong says it is an OPGSP with an RBI-approved liaison office and is not among RBI-listed PA-CBs; it accepts individuals and businesses.43233

  • Key features: a free digital FIRC, applied for in the dashboard, in 3 to 5 business days.65
  • Pros: INR settles the same day before 2:30 pm, else the next day.63
  • Cons: no card fee is published, and PingPong sets the rate at its discretion.343562
  • Verdict: PingPong fits when you are paid through marketplaces, app stores or processors such as PayPal and Stripe and want a receiving account that collects those payouts.3464

Is Stripe a good choice for Indian businesses taking international payments?

Best for: Card checkout and subscriptions.56

Stripe India is RBI-listed as PA-O only, its PA-CB application was withdrawn, and cross-border payments are by invite for sole proprietorships, LLPs and companies.4233856

  • Key features: 3%, 3.5% or 4.3% card fees, with daily payouts of payments made five business days earlier.3399
  • Pros: published card, dispute and GST terms.381
  • Cons: an additional 2% if conversion is required, and no FIRC from Stripe itself, only a Standard Chartered payment advice.370
  • Verdict: Stripe fits when you are a registered sole proprietorship, LLP or company and have been invited to Stripe India.56

Is Tazapay a good choice for Indian businesses taking international payments?

Best for: Companies taking card or local payment methods.4185

Tazapay is not on the RBI payment aggregator list and says it operates through Tazapay Canada Corp. under the Rupee Drawing Arrangement; it takes incorporated businesses only.44041

  • Key features: cards at 3.8% plus USD 0.5; a FIRC for USD 4, requested from partner banks.4274
  • Pros: published refund and dispute fees.82
  • Cons: the conversion rate is not published, and payouts run weekly by default before local settlement in T+0 to T+1.717273
  • Verdict: Tazapay fits when your business is an incorporated Indian company that can provide the KYB documents Tazapay lists for India.4185

Is TransFi a good choice for Indian businesses taking international payments?

Best for: Payment links shared in chat, including stablecoins.4589

TransFi is not on the RBI PA-CB list and names no Indian licence; it says it serves businesses and individuals, but the eligibility of Indian residents is not published.44344

  • Key features: TransFi says cards are supported.45
  • Pros: a rate benchmarked to mid-market, per TransFi.75
  • Cons: no card fee, markup or FIRA terms are published, and settlement is given as minutes to hours or the bank cycle.457576
  • Verdict: TransFi fits when your client wants to pay through a payment link sent from a WhatsApp or Telegram chat.4589

Is Winvesta a good choice for Indian businesses taking international payments?

Best for: Local transfers with a published per-payment fee.9091

Winvesta says it is an OPGSP and is not on the RBI payment aggregator list or PA-CB application tables; it accepts freelancers (PAN, Aadhaar) and businesses.423464748

  • Key features: card payments through payment links; a free e-FIRA emailed within 24 hours of funds reaching your bank.4980
  • Pros: USD settles 1 business day after processing.79
  • Cons: no card fee is published, and the reference rate behind its advertised 0% markup is not published.497778
  • Verdict: Winvesta fits when your clients pay by local transfer in USD, EUR, GBP or CAD and you want a published per-transaction fee.9091

How did we evaluate these payment gateways?

We ordered the gateways by estimated cost on a USD 10,000 payment by card or payment link from published fees, then checked each provider on the same criteria.410

CriterionWhat we checkedBest for
RBI status for inward cross-border paymentsThe RBI's list of PA-CBs authorised for inward transactions4Every business
Who can sign upStripe India is invite-only and excludes individuals from international payments; Razorpay requires a website with policy pages for international cards567Freelancers and small businesses
Card fee and conversion feeSome providers add a separate fee when currency conversion is needed3Comparing total cost
Settlement timeFrom T+2 to daily payouts of payments made five business days earlier89Cash flow planning
FIRCAutomatic, on request, or a bank payment advice376170GST and bank records
LimitsRBI caps each PA-CB export transaction at ₹25 lakh10Large single payments
DisputesChargeback fees and whether fees are returned on refunds23Sellers to consumers

PayU, Cashfree Payments and Razorpay are listed by the RBI as PA-CB for inward and outward transactions.4 Stripe India is listed as an online payment aggregator (PA-O) and says it continues cross-border services on an invite-only basis after withdrawing its PA-CB application.438

What compliance do Indian businesses taking international card payments need to handle?

Indian businesses taking international card payments still fall under FEMA: from 1 October 2026 every exporter of services files an Export Declaration Form (EDF).86

  • Gateway or merchant of record: a gateway processes payments for you as the seller; a merchant of record resells your product and becomes the legal seller to the customer. Dodo Payments works as a merchant of record and handles customer-side sales tax and chargebacks, but pays out in USD, GBP or EUR and does not support physical goods.192056 See merchant of record in India.
  • Transaction cap: each PA-CB export transaction is capped at ₹25 lakh.10
  • GST and FEMA: confirm GST and FEMA treatment of your sales with a chartered accountant.

Keep the FIRC or payment advice for each receipt with your export records.

How did we verify this?

We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.

  1. [1]Payoneer India, Payoneer Fees (checked 2026-10-28)
  2. [2]PayPal India, PayPal Merchant Fees (page last updated 28 March 2024) (checked 2026-10-28)
  3. [3]Stripe India, Pricing (checked 2026-10-28)
  4. [4]RBI: Certificates of Authorisation issued under the Payment and Settlement Systems Act, 2007, Payment Aggregators (PA-O, PA-P and PA-CB), list dated 16 October 2026 (checked 28 October 2026)
  5. [5]Stripe Docs, Accept international payments from India (checked 2026-10-28)
  6. [6]Stripe Support, Accepting international payments from Stripe accounts in India (checked 2026-10-28)
  7. [7]Razorpay Docs, International Debit and Credit Cards (checked 2026-10-28)
  8. [8]PayU India, International Payment Gateway (checked 2026-10-28)
  9. [9]Stripe Support, Payout schedule for Stripe accounts in India (checked 2026-10-28)
  10. [10]RBI: Master Direction on Regulation of Payment Aggregators, 15 September 2025, paragraph 11(d)
  11. [11]Wise Help Centre, Getting paid to your Wise Business by card, Apple Pay or Google Pay (checked 2026-10-28)
  12. [12]Skydo FAQs, What are the fees for using Payment Links? (checked 2026-10-28)
  13. [13]Airwallex Help Centre, Eligible Countries and Territories (checked 2026-10-28)
  14. [14]Airwallex Help Centre, Documents required for companies in South East Asia (India section) (checked 2026-10-28)
  15. [15]Airwallex Singapore, Fee schedule, last updated 10 October 2026 (checked 2026-10-28)
  16. [16]Airwallex Help Centre, Payments Eligibility (checked 2026-10-28)
  17. [17]Cashfree Payments, Payment Gateway Charges (India), International Cards, Global Collections and Cross Border FAQ (checked 2026-10-28)
  18. [18]Cashfree Payments Docs, Global Collections overview (checked 2026-10-28)
  19. [19]Dodo Payments, Master Service Agreement, last updated 26 February 2026 (checked 2026-10-28)
  20. [20]Dodo Payments Documentation, FAQs (checked 2026-10-28)
  21. [21]Dodo Payments, Pricing (checked 2026-10-28)
  22. [22]Payoneer India, Payoneer's multi-jurisdictional licenses (checked 2026-10-28)
  23. [23]RBI: Status of Applications received under the Payment and Settlement Systems Act, 2007, as on 16 October 2026 (checked 28 October 2026)
  24. [24]Payoneer, How to receive international payments in India (last modified 31 August 2026, checked 2026-10-28)
  25. [25]Payoneer India, Multi-currency account page and FAQs (checked 2026-10-28)
  26. [26]PayPal India, User Agreement for PayPal Services (last updated 13 January 2025) (checked 2026-10-28)
  27. [27]PayPal India, Four steps to complete your KYC (checked 2026-10-28)
  28. [28]PayPal India Help, How do I receive payments through PayPal? (checked 2026-10-28)
  29. [29]PayU Docs, Documents Checklist for Account Activation (checked 2026-10-28)
  30. [30]PayU Docs, PayU India International Payments (checked 2026-10-28)
  31. [31]PayU India, Pricing (checked 2026-10-28)
  32. [32]PingPong India, License and Regulation (checked 2026-10-28)
  33. [33]PingPong India Help Center, What steps should I follow for registering a PingPong account? (checked 2026-10-28)
  34. [34]PingPong India, home page (checked 2026-10-28)
  35. [35]PingPong India Help Center, What are the payment methods available for paying e-invoice? (checked 2026-10-28)
  36. [36]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
  37. [37]Razorpay, Pricing, International Payments and International Bank Transfers tabs (checked 2026-10-28)
  38. [38]Stripe Support, Cross-border payment services in India (checked 2026-10-28)
  39. [39]Stripe Support, Additional pricing information for Indian cross-border sellers (checked 2026-10-28)
  40. [40]Tazapay, Licences, Registrations and Disclosures (checked 2026-10-28)
  41. [41]Tazapay, General Account Holder Terms and Conditions, last updated 15 September 2026 (checked 2026-10-28)
  42. [42]Tazapay, Pricing (checked 2026-10-28)
  43. [43]TransFi, Terms and Conditions, last updated 28 May 2026, section 6.4 and Annexure A (checked 2026-10-28)
  44. [44]TransFi Help Center, Do I need to be a registered business? BizPay (checked 2026-10-28)
  45. [45]TransFi, BizPay product page (checked 2026-10-28)
  46. [46]Winvesta FAQs, How is Winvesta regulated? (checked 2026-10-28)
  47. [47]Winvesta FAQs, What documents do I need to open a global collection account as a freelancer? (checked 2026-10-28)
  48. [48]Winvesta FAQs, What documents do I need to open a global collections account as a business owner? (checked 2026-10-28)
  49. [49]Winvesta FAQs, My client paid ₹1,000, and their bank charged them a 2% fee. How does that affect me? (checked 2026-10-28)
  50. [50]Airwallex Docs, Payout network: bank accounts, India (checked 2026-10-28)
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Frequently asked questions

Which payment gateways suit which kind of Indian business taking foreign payments?+

It depends on the product. For card checkout and subscriptions, Stripe; for card or PayPal checkout with INR settlement, PayU; for clients paying by card or PayPal balance, PayPal; for software sold worldwide through a merchant of record, Dodo Payments; for card or local methods at incorporated companies, Tazapay.5682619844185

What does Stripe charge for international cards in India?+

Stripe lists 3% for Visa or Mastercard cards issued outside India, 3.5% for American Express and 4.3% for non-INR presentment, plus 2% if conversion is required, with 18% GST on fees.33981 Stripe also charges ₹1,000 per dispute and does not return processing or conversion fees on refunds.3

Can individuals use Stripe India for international payments?+

No. Stripe says international payments are open to sole proprietorships, LLPs and companies, and new accounts are by invite only.56 An individual freelancer without a registered business needs a provider that accepts individuals, such as Payoneer, which accepts individuals and businesses aged over 18.2425

Is there a limit per card payment from abroad?+

PA-CB export transactions are capped at ₹25 lakh each by the RBI, and PayPal's India user agreement restricts export payments above USD 10,000.1026 Cashfree Payments caps Global Collections invoices at USD 10,000 each, so a large annual invoice may need to be split or paid by bank wire.55

Do payment gateways issue a FIRC for card payments?+

Practice varies. Razorpay lists FIRC or eFIRC as auto-generated for international cards, PayU issues one on request through the account manager, and Stripe sends a Standard Chartered payment advice to take to your bank instead.376170 Confirm how the gateway documents each receipt before you go live.

Is GST charged on payment gateway fees for international payments?+

Yes, on the fees of several gateways. Razorpay lists up to 3% plus 18% GST on international cards, PayU lists 3% with GST extra, and Stripe charges 18% GST on its fees.313781 The export itself can still be zero-rated, so keep the gateway's tax invoices for your input tax credit.

This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.

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