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Razorpay, Cashfree or PayU: Cheaper Ways to Accept Payments Than Stripe in India

Author:
Editorial team, serviceexportguide.com
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Editorial team
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12 min read

Short answer

Stripe India charges 4.3% on international cards with non-INR presentment, plus 2% where conversion is required, in 2026.1 Razorpay publishes up to 3% plus GST, Cashfree 2.99% for Visa and Mastercard, and PayU 3% plus GST for international cards.234 RBI lists Razorpay, Cashfree and PayU as cross-border payment aggregators, and Stripe as an online aggregator only.5

Applies toRules involvedPlatforms comparedLast verified
Indian businesses taking card or bank payments from foreign customers6PA-CB Master Direction (₹25 lakh per transaction); FEMA 2026 Regulations78Skydo, Razorpay, Karbon Business, Cashfree, PayU, Stripe531 October 20265

1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).

Estimated rupees received, on published fees

Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.

#Provider and routeBest forFee (+GST)MarkupYou receiveCost
1Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD accountUS bank transfers and marketplace payouts₹942plus GST, rate not stated0%₹93,131 to ₹93,3011.00 to 1.18%
2RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)Local transfers from the US, UK and eurozone₹1,000plus GST, rate not stated0%₹93,063 to ₹93,2431.06 to 1.25%
3WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)Local transfers with a published per-payment fee₹1,4350%₹92,8091.52%
4SkydoPayment link (InstaLinks) paid by ACH debitLocal bank transfers from major markets₹1,885plus GST, rate not stated0%₹92,019 to ₹92,3582.00 to 2.36%
5PayoneerLocal bank transfer to Payoneer receiving account detailsMarketplace payouts such as Amazon or Upwork₹0no GST stated1 to 4%₹90,473 to ₹93,3011.00 to 4.00%
6PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)Clients paying by card or PayPal balance₹4,175no GST stated3 to 4%₹86,465 to ₹87,3667.30 to 8.25%

Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.

Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.

Indian businesses looking for something cheaper than Stripe are usually paying card fees on international sales. Razorpay, Cashfree and PayU all accept international cards, and two of them also accept bank transfers into local account details, which publish lower fees. This page covers payments from foreign customers; domestic payment pricing is outside its scope. Export receipts usually qualify as an export of services under section 2(6) of the IGST Act.6

How do Razorpay, Cashfree, PayU and Stripe compare for Indian exporters?

Razorpay, Cashfree, PayU and Stripe all take international cards, but they differ on bank transfers, settlement and RBI status. Rows are ordered by estimated cost on a $5,000 USD receipt from published fees, cheapest first, with providers that do not publish enough pricing to estimate listed after, A to Z.91011

PlatformBest forFeeFX markupSettlementFIRARBI PA-CB statusSource
SkydoLocal bank transfers from major markets12Skydo says it charges USD 19 plus GST for transactions up to USD 2,000, USD 29 plus GST from USD 2,001 to USD 10,000, and 0.3% plus GST above USD 10,000; payments above USD 100K a month are priced on request.913Skydo's product page says conversion is at a live mid-market rate with 0% markup. Its terms say conversion uses a retail foreign exchange rate determined by Skydo or its partner banks and do not guarantee the most favourable rate.1415Skydo's product page says funds settle to the Indian bank within 24 hours. Its terms commit to commercially reasonable efforts to credit within T+1 to T+3 business days, depending on currency and corridor. ACH Debit via InstaLinks typically settles within 6 business days.141516Skydo says it issues a free FIRA on every payment received, and that its FIRA and FIRC are accepted for GST filing and by banks.1417Skydo Technologies Private Limited is on the RBI list as a PA-CB-I & O (Payment Aggregator, Cross Border, facilitating inward and outward transactions), authorised on 8 January 2026. Its terms say it uses partner banks to provide the service.515Skydo pages and RBI list135
RazorpayLocal transfers from the US, UK and eurozone18MoneySaver bank transfers: 1% per transaction, GST applicable, with a flat fee of ₹1,000 on transactions below ₹1,00,000. Flash Links (US ACH debit): 2%. International cards: up to 3% per successful transaction plus 18% GST on the pricing page (the international payments page says 3% plus taxes). Enterprise pricing is custom.10219MoneySaver bank transfers: Razorpay says 0% FX markup, converting at the live exchange rate. Card payments: converted at the rate on the date of payment (the processing bank's rate, per Razorpay's docs); any markup on card conversions is not published.10220Push bank transfers (ACH, FPS, SEPA, SWIFT): T+1 from capture or from when invoice details are shared, whichever is later. Flash Links (ACH debit): around T+5 business days. International cards: Razorpay's FAQ refers to a T+7 working day settlement period, with early settlement at an additional, unpublished charge.18211022Razorpay provides a Foreign Inward Remittance Statement (FIRS), sent to the contact email within 24 hours after settlement for bank transfers, and downloadable from the dashboard, which shows bank-provided certificates and Razorpay-generated statements. The pricing page lists FIRC or eFIRC as included and auto-generated for international cards. No separate charge is published.18232Razorpay Payments Private Limited (formerly Razorpay Software Private Limited) appears on the RBI list of authorised payment system operators as a Payment Aggregator: Online, Physical, and Cross Border facilitating Inward and Outward transactions (PA-CB I and O).5Razorpay pages and RBI list25
Karbon BusinessUS bank transfers and marketplace payouts24Karbon's PayPal alternative page lists a 1% transaction fee in its feature list; its freelancer page gives no fee amount.1124Karbon's freelancer page says 0% markup on inward remittance; its PayPal comparison page gives a forex markup of 0.5% to 1.0%. The home page says displayed amounts are indicative and depend on the rate booking date.241125Karbon says international payments reach India within 24 to 48 hours.24Karbon says it provides a FIRA for every transaction, issued by its licensed banking partner, which it does not name. Cost not published.24Not on the RBI list itself; its terms run export receipts under a partner the RBI lists as a PA-CB26525Karbon pages and RBI list245
Cashfree PaymentsRegistered businesses paid by local transfer2728Global Collections: Not published. The pricing page shows 'Request Price' and describes a 'Low, processing fee; no hidden charges'. Cashfree says there is no setup cost.329Cashfree says Global Collections has no forex markup and that it handles conversion to INR in real time. The exchange rate used and any spread are not published.302927Global Collections: Not published for the exporter. Cashfree says funds are swept to a NOSTRO account and repatriated to India no later than seven days after credit. International card gateway: T+2 per Cashfree's documentation.2931Cashfree's Global Collections page says an e-FIRA is generated at no extra cost within 1 day. Its documentation says its AD-1 partner bank issues an eFIRS on a T+1 basis, obtained by request through the support form or account manager. For the card gateway, Cashfree mentions monthly FIRC reports and instant FIRS.29303231Cashfree Payments India Private Limited appears on the RBI list of authorised payment system operators as a Payment Aggregator (online and physical) and as PA-CB I & O, which the RBI defines as a Payment Aggregator, Cross Border facilitating inward and outward transactions. Cashfree's own pages also say Global Collections operates under the RBI's OPGSP (Online Payment Gateway Service Provider) guideline.53032Cashfree pages and RBI list35
PayUCard or PayPal checkout with INR settlement333% for international transactions under the Standard Plan, GST extra. No separate bank transfer receiving fee is published because PayU does not publish a bank transfer collection route.4Converted to INR at the rate on the transaction date; PayU says it applies exchange rate or margins on the card issuing currency for dynamic currency conversion. The margin is not published.3334Typically T+2 business days for international payments.3334PayU says it provides a FIRC on request through the merchant's Key Account Manager. The cost is not published.34The RBI lists PayU Payments Private Limited as a Payment Aggregator (online and physical) and as PA-CB I & O, a cross-border payment aggregator facilitating inward and outward transactions, in its list dated 16 October 2026.5PayU pages and RBI list45
StripeCard checkout and subscriptions35363% for Visa and Mastercard cards issued outside India, 3.5% for American Express cards issued outside India, and 4.3% for international cards with USD or other non-INR presentment, per successful charge.137Additional 2% if currency conversion is required. Stripe does not publish on these pages exactly which export charges need conversion.137Each daily payout includes international card payments processed five business days earlier. No payouts on weekends or public holidays. Seven-day waiting period for the first payout, which can be longer for high-risk industries.38Stripe does not issue a FIRC itself. Standard Chartered Bank emails a payment advice (payee advice) to the registered Stripe email on the day an export payout is processed; Stripe says to present it to your own bank to request a FIRC. Cost of the FIRC from your bank: not published by Stripe.3935RBI lists Stripe India Private Limited as an authorised Payment Aggregator Online (PA-O, 'Stripe', dated 15.01.2024), not as a Payment Aggregator-Cross Border (PA-CB). RBI's application status list as on 16.10.2026 shows its new PA-CB application returned on 12.07.2024 and marks it as withdrawn by the entity. Stripe says it withdrew the PA-CB application based on RBI guidance and continues cross-border services for Indian businesses on an invite-only basis. Stripe names Standard Chartered Bank as the bank that issues payment advice for export payouts.540413539Stripe pages and RBI lists140

Skydo and Karbon Business appear because they rank lowest on published fees for bank transfers; neither publishes a card checkout fee.4224

Which platforms are named as Stripe alternatives, and can Indian exporters use them?

Razorpay, Cashfree and PayU are the Stripe alternatives most often named in India, and all three hold RBI authorisation as cross-border payment aggregators for inward and outward payments.5

PlatformBest forWho can sign upHow foreign customers pay
SkydoLocal bank transfers from major markets12Skydo's terms cover individuals aged 18 or over, proprietorships, companies and other legal entities, for business and commercial payments only; Skydo says the service is built for Indian freelancers and exporters. Whether GST registration is required is not published.1514Bank transfer to Skydo local account details in seven markets, or to an international SWIFT account for other currencies and countries; Skydo also offers payment links (InstaLinks) with ACH Debit.12434215
RazorpayLocal transfers from the US, UK and eurozone18Indian businesses with a completed Razorpay KYC. The MoneySaver onboarding form lists Individual, Sole Proprietorship, Partnership, Private Limited, Public Limited and LLP as business types, and the business must fall under one of the export purpose codes Razorpay lists. International card payments need a website with terms, privacy, refund and shipping policy pages. Razorpay says it cannot offer international payments to NGOs.184422Bank transfer to virtual account details (ACH in USD, FPS in GBP, SEPA in EUR, and SWIFT), ACH debit through Flash Links for US payers, or international card and wallet payments through Razorpay checkout or payment links.182119
Karbon BusinessUS bank transfers and marketplace payouts24Karbon markets the service to freelancers, exporters and small businesses. Its forex terms require the user to be duly incorporated under the laws of India. Karbon does not publish whether an unregistered individual can sign up.2426Bank transfer to a virtual USD account (US account details in the user's name), payment requests or invoices sent by email or WhatsApp, and as a payout method on Upwork, Fiverr and Toptal.24
Cashfree PaymentsRegistered businesses paid by local transfer2728Businesses only, per Cashfree. Its pricing page says it currently enables cross-border payments only for businesses, and its Global Collections documentation says you must be a registered business in India. Cashfree does not publish which legal forms (sole proprietor, partnership, LLP, company) qualify.327Global Collections: local bank transfer to collection account details (ACH in the US, SEPA in Europe, EFT in Canada, Faster Payments in the UK) or SWIFT. International Payment Gateway: international cards (Visa, Mastercard, American Express) on a checkout, and PayPal through the merchant's own linked PayPal account.283145
PayUCard or PayPal checkout with INR settlement33PayU's account activation checklist covers individuals, sole proprietorships, partnerships, LLPs, private and public limited companies and other entity types. International payments must be enabled separately through a PayU Key Account Manager; PayU does not publish which entity types are eligible for them.4647International credit and debit cards (Visa, Mastercard, American Express) and PayPal at a PayU checkout. PayU does not publish local bank account details or virtual accounts for foreign clients to pay by bank transfer.3347
StripeCard checkout and subscriptions3536By invite only: Indian businesses cannot sign up through the website and must request an invite. International payments are open to sole proprietorships, LLPs and companies. Individuals can use Stripe India for domestic payments only. Non-profits, NGOs and simple partnerships are not supported.35364849Foreign customers pay by card (Visa, Mastercard, American Express), Apple Pay or Google Pay through a Stripe checkout, payment link, invoice or subscription. Cards must be issued outside India and the customer must give a non-Indian billing address. International card payments require 3D Secure authentication.485035

Check each provider on RBI's list with how to check an RBI-authorised payment aggregator.

What does each option charge?

Each option publishes its international card fee as a percentage, and the bank transfer routes publish lower rates where they exist.2341

PlatformBest forInternational card feeBank transfer feeGST on fees
RazorpayLocal transfers from the US, UK and eurozone18Up to 3% per successful transaction21% on MoneySaver; flat ₹1,000 below ₹1,00,0001018% on card fees; applicable on MoneySaver210
Cashfree PaymentsRegistered businesses paid by local transfer27282.99% Visa and Mastercard; 2.95% American Express3Global Collections: price on request3Not published on the pages checked
PayUCard or PayPal checkout with INR settlement333% under the Standard Plan4No bank transfer route published33Extra4
StripeCard checkout and subscriptions35363% Visa or Mastercard (INR presentment); 3.5% American Express; 4.3% non-INR presentment; plus 2% if conversion is required137Not offered for India exports4818%51

The payment gateway charges guide explains how GST on these fees works for exporters.

Which option is cheapest at $500, $2,000 and $5,000?

On this site's ranking of published fees, Skydo, Razorpay and Karbon Business cost least on a $5,000 USD receipt, all by bank transfer.91011 The table below shows INR received at today's rate for providers in the cost model.

PlatformBest forINR on USD 2,000INR on USD 5,000INR on USD 10,000Cost on USD 5,000
SkydoMost INRTransfer to Skydo local account details or international SWIFT accountLocal bank transfers from major markets₹1,86,373₹4,67,991₹9,39,2060.68%
Karbon BusinessBank transfer to a Karbon virtual USD accountUS bank transfers and marketplace payouts₹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%
RazorpayMoneySaver 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%

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.

For example, a US customer paying a USD-priced card charge costs 4.3% on Stripe before any 2% conversion fee and 18% GST, against 2.99% on Cashfree for a Visa or Mastercard card and up to 3% plus GST on Razorpay.15132 Percentage card fees stay the same share at $500, $2,000 and $5,000, so the gap between providers does not shrink as invoices grow.

What documents do you get from each Stripe alternative?

Each Stripe alternative provides a different proof of receipt, and the exporter still self-certifies the e-BRC on the DGFT portal.52

PlatformBest forProof of receiptHow you get it
RazorpayLocal transfers from the US, UK and eurozone18FIRS for bank transfers; FIRC or eFIRC for cards232Emailed within 24 hours after settlement and in the dashboard18
Cashfree PaymentsRegistered businesses paid by local transfer2728e-FIRA for Global Collections; FIRC reports and FIRS for cards2931Partner bank eFIRS on request, T+132
PayUCard or PayPal checkout with INR settlement33FIRC34On request through the Key Account Manager34
StripeCard checkout and subscriptions3536Payment advice from Standard Chartered Bank39Present it to your own bank to request a FIRC39

Read FIRC vs FIRA vs e-BRC for how these documents differ.

What changes in 2026 for Indian businesses switching from Stripe?

Indian businesses switching from Stripe in 2026 move into a market where more providers hold PA-CB authorisation and every service exporter files an EDF.58

  • Stripe's status: RBI's status list shows Stripe's PA-CB application as withdrawn by the entity, and Stripe says it continues cross-border services on an invite-only basis.4041
  • New PA-CBs: RBI's list dates Skydo's PA-CB authorisation 8 January 2026 and Wise's 12 March 2026.5
  • Transaction cap: Each PA-CB payment is capped at ₹25 lakh.7
  • EDF: From 1 October 2026 every service exporter files an EDF within 30 days from the end of the month of invoicing.8 How the EDF works for PA-CB receipts in practice is not yet settled, so ask your bank.
  • Realisation: Payment is due within nine months of the invoice date.53

See Stripe alternatives for a wider list and EDF for service exporters for the filing steps.

How did we verify this?

We checked this page against the sources below on 31 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]Stripe India, Pricing (checked 2026-10-28)
  2. [2]Razorpay, Pricing, International Payments and International Bank Transfers tabs (checked 2026-10-28)
  3. [3]Cashfree Payments, Payment Gateway Charges (India), International Cards, Global Collections and Cross Border FAQ (checked 2026-10-28)
  4. [4]PayU India, Pricing (checked 2026-10-28)
  5. [5]RBI: Certificates of Authorisation issued under the Payment and Settlement Systems Act, 2007, Payment Aggregators (PA-O, PA-P and PA-CB) and cross-border Money Transfer (MTSS) sections, list dated 16 October 2026 (checked 2026-10-31)
  6. [6]CBIC: IGST Act, 2017, section 2(6) (export of services)
  7. [7]RBI: Master Direction on Regulation of Payment Aggregators dated 15 September 2025, paragraph 11(d) (PA-CB transaction limit)
  8. [8]RBI: Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026, FEMA 23(R)/2026-RB, amended up to 22 September 2026, regulations 3, 4 and 5
  9. [9]Skydo FAQs, How much does Skydo charge? (checked 2026-10-28)
  10. [10]Razorpay, Multi-Currency Account for International Bank Transfers (MoneySaver Export Account pricing) (checked 2026-10-28)
  11. [11]Karbon Business, PayPal Alternative comparison page (checked 2026-10-28)
  12. [12]Skydo FAQs, What countries can I get paid locally through Skydo? (checked 2026-10-28)
  13. [13]Skydo, home page fee table (checked 2026-10-28)
  14. [14]Skydo, Receive international payments as a freelancer in India (product page) (checked 2026-10-28)
  15. [15]Skydo, Terms of Use, last updated 9 April 2026 (checked 2026-10-28)
  16. [16]Skydo FAQs, How long does settlement take on InstaLinks? (checked 2026-10-28)
  17. [17]Skydo FAQs, What is accepted for GST filings and banks between FIRA and FIRC? (checked 2026-10-28)
  18. [18]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
  19. [19]Razorpay, Accept International Payments (checked 2026-10-28)
  20. [20]Razorpay Docs, Currency Conversion (checked 2026-10-28)
  21. [21]Razorpay Docs, Flash Links (ACH Debit) (checked 2026-10-28)
  22. [22]Razorpay Docs, International Payments FAQs (checked 2026-10-28)
  23. [23]Razorpay Docs, FIRS Automated Process (checked 2026-10-28)
  24. [24]Karbon Business, Karbon for Freelancers (checked 2026-10-28)
  25. [25]Karbon, Karbon FX Remittances, home page (checked 2026-10-28)
  26. [26]Karbon Forex Terms and Conditions, Interropac Private Limited (checked 2026-10-28)
  27. [27]Cashfree Payments Docs, Global Collections overview (checked 2026-10-28)
  28. [28]Cashfree Payments Docs, Global Collections: Collection Accounts (checked 2026-10-28)
  29. [29]Cashfree Payments, Global Collections: International wire transfer for Indian businesses (checked 2026-10-28)
  30. [30]Cashfree Payments, Cross Border Payment solutions: Accept international payments (checked 2026-10-28)
  31. [31]Cashfree Payments Docs, International Payment Gateway (IPG) overview (checked 2026-10-28)
  32. [32]Cashfree Payments Docs, Global Collections FAQs (checked 2026-10-28)
  33. [33]PayU India, International Payment Gateway (checked 2026-10-28)
  34. [34]PayU Docs, FAQs: International Payments and Dynamic Currency Conversion (checked 2026-10-28)
  35. [35]Stripe Docs, Accept international payments from India (checked 2026-10-28)
  36. [36]Stripe Support, Accepting international payments from Stripe accounts in India (checked 2026-10-28)
  37. [37]Stripe Support, Additional pricing information for Indian cross-border sellers (checked 2026-10-28)
  38. [38]Stripe Support, Payout schedule for Stripe accounts in India (checked 2026-10-28)
  39. [39]Stripe Support, FIRC/payment advice for international transactions in India (checked 2026-10-28)
  40. [40]RBI, Status of Applications received under Payment and Settlement Systems Act, 2007, as on 16.10.2026, Table F (checked 2026-10-28)
  41. [41]Stripe Support, Cross-border payment services in India (checked 2026-10-28)
  42. [42]Skydo FAQs, What are the fees for using Payment Links? (checked 2026-10-28)
  43. [43]Skydo FAQs, When should I use the International SWIFT account and when should I use the Local Account? (checked 2026-10-28)
  44. [44]Razorpay Docs, International Debit and Credit Cards (checked 2026-10-28)
  45. [45]Cashfree Payments Docs, PayPal for International Payments (checked 2026-10-28)
  46. [46]PayU Docs, Documents Checklist for Account Activation (checked 2026-10-28)
  47. [47]PayU Docs, PayU India International Payments (checked 2026-10-28)
  48. [48]Stripe Support, Supported payment methods, currencies and businesses for Stripe accounts in India (checked 2026-10-28)
  49. [49]Stripe India, Contact sales (request an invite) (checked 2026-10-28)
  50. [50]Stripe Support, Requirements for India export charges (checked 2026-10-28)
  51. [51]Stripe Support, Taxes on Stripe fees for India-based businesses (checked 2026-10-28)
  52. [52]DGFT: eBRC system, self-certification of eBRC from bank inward remittance messages (IRMs), Trade Notice 33/2023-24 dated 10 November 2023
  53. [53]RBI: Notification FEMA 23(R)/(1)/2026-RB dated 22 September 2026, amending regulation 5 (realisation period)
  54. [54]CBIC: IGST Act, 2017, section 16 (zero-rated supply, supply under bond or LUT)

Frequently asked questions

Is Razorpay cheaper than Stripe for international payments in India?+

On published card fees, Razorpay charges up to 3% plus 18% GST, while Stripe charges 4.3% for international cards with non-INR presentment plus 2% where conversion is required. Razorpay also offers MoneySaver bank transfers at 1% plus GST, which Stripe India does not offer.2110

What are Cashfree international payment gateway charges?+

Cashfree publishes a 2.99% platform fee for Visa and Mastercard international cards and 2.95% for American Express. PayPal payments through Cashfree are charged at PayPal's own rates, and Cashfree says it adds no gateway charge for them. Global Collections bank transfers are priced on request.330

Can I still sign up for Stripe in India?+

Stripe says Indian businesses cannot sign up through its website and must request an invite. International payments are open to sole proprietorships, LLPs and companies, while individuals can use Stripe India for domestic payments only. Non-profits and simple partnerships are not supported.354849

How fast do Razorpay, Cashfree and PayU settle international card payments?+

Cashfree's documentation gives T+2 for its international card gateway, and PayU says international payments typically settle in T+2 business days. Razorpay's FAQ refers to a T+7 working day settlement for international cards, and Stripe pays out card payments five business days after processing.31332238

Which Stripe alternative gives a FIRC automatically?+

Razorpay's pricing page lists FIRC or eFIRC as included and auto-generated for international cards. Cashfree mentions monthly FIRC reports and instant FIRS for its card gateway. PayU provides a FIRC on request through a Key Account Manager, and Stripe sends a bank payment advice instead.2313439

Is GST charged on payment gateway fees for exports?+

Yes, providers add GST to their fees. Razorpay adds 18% GST to card fees, PayU says GST is extra on its 3% plan, and Stripe charges 18% GST on its fees. The export itself can still be zero-rated under section 16 of the IGST Act.245154

Can a foreign client pay an Indian business by bank transfer instead of card?+

Yes, through providers that issue local account details. Razorpay's MoneySaver accepts ACH, FPS, SEPA and SWIFT transfers, and Cashfree's Global Collections accepts ACH, SEPA, EFT and Faster Payments. PayU does not publish a bank transfer route, and Stripe India lists card and wallet payments.18283348

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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