Accept International Payments from India

Collect payments from Indian customers without setting up a local entity. Cashfree Payments provides a licensed, RBI-compliant gateway that lets you offer local payment methods, settle in your preferred currency, and manage cross-border collections through a single API or no-code integration.

Overview

Cashfree's PA-CB Import license allows international businesses to accept INR payments from India like a local merchant. You get access to UPI, domestic cards, and net banking, with local routing ensuring over 80% success rates overall (~92% UPI, ~85% card, >80% net banking by method), plus settlement in USD, EUR, GBP, and 100+ other currencies at zero FX markup. No local incorporation or GST registration is required to start collecting payments.

What It Does

Local checkout experience – Indian customers see UPI, RuPay, Visa, Mastercard, Amex, Diners, and net banking at checkout, not a generic international gateway.
High success rates – Local routing delivers ~92% UPI success, ~85% card success, and >80% net banking success.
Zero FX settlement – Receive funds in your chosen currency with 0% FX markup and full visibility into exchange rates at settlement time.
No local entity required – Cashfree acts as the licensed intermediary, so you skip incorporation and RBI licensing.
Real-time reconciliation – Match INR collections with overseas settlements via dashboard or API.
99.99% uptime – Built for high-volume, time-critical payments during campaigns, sales, and renewals.

Who It Helps

D2C / Ecommerce – Reduce cart abandonment with one-click checkout, WhatsApp OTP login, and address prefill from 120M+ verified profiles.
SaaS & AI – Collect subscription and one-time payments through UPI AutoPay, cards, and net banking.
Travel – Accept travel payments with EMI and bank offers through a compliant checkout flow.
Education – Collect tuition fees, course payments, and recurring collections from Indian students.
Global Payment Aggregators – Onboard and manage sub-merchants via API, access local payment methods, and settle in their preferred currency.
Platforms – Power India payments for your merchants through a direct platform partnership.

Key Capabilities

Payment Methods

Method	Coverage	Success Rate
UPI	500M+ daily users, in-house connector/switch	~92%
Domestic Cards	RuPay, Visa, Mastercard, Amex, Diners; CVV-free flows, built-in tokenisation	~85%
Net Banking	90+ banks, preferred for large-ticket purchases	>80%

Recurring & Subscription Payments

UPI AutoPay – Flexible billing cycles, fixed amounts, one-time customer authorisation.
Standing Instructions on Cards – One authentication, fully automated thereafter, on both credit and debit cards.
eMandates – Same-day creation via net banking, debit card, or credit card for enterprise and subscription billing.

Settlement

Currencies: USD, EUR, GBP, SGD, AUD, CAD, HKD, and 100+ others.
Settlement timeline: Verification + 1 business day.
FX rate visibility at settlement time; no hidden charges.
Settlement status updates via webhooks.
Powered by J.P. Morgan Chase.

Risk Management

ML-powered fraud detection trained on millions of transactions.
Custom blacklists by payment method, location, device, or transaction pattern.
Smart limits on transaction amount or count to block chargebacks at scale.

Buyer Questions This Page Should Answer

Do I need a local Indian entity to accept payments? No. Cashfree's PA-CB Import license removes that requirement. Cashfree acts as the licensed intermediary, so you collect from Indian customers without incorporating locally or obtaining your own RBI licence.
What payment methods will Indian customers see? UPI, cards (RuPay, Visa, Mastercard, Amex), and net banking across 90+ banks — running on local payment-method logic, not a generic international gateway flow.
In which currencies can I settle? USD, EUR, GBP, SGD, AUD, CAD, HKD, and 100+ others.
Do I need GST registration before starting? No. GST/OIDAR registration and PA-CB Import onboarding are independent, parallel tracks.
What documents are needed? Tax registration number, business legal name and brand name, incorporation number, corporate office address, website URL, country of incorporation, entity type, and a brief business description and category — all submitted digitally.
How long does onboarding take? Timelines depend on document submission and review; the team confirms activation status during the process.
What happens if verification is not completed in time? The payment is automatically reversed and refunded to the customer. If the processing bank needs additional information, you're notified; verification timelines are agreed during onboarding.
How does settlement work? Once a transaction is verified, funds convert at your partner bank's FX rate on the settlement date and transfer to your overseas account in your preferred currency. Settlement TAT is verification + 1 business day.

Comparison Context

Cashfree positions its PA-CB Import solution against international payment aggregators that lack local India infrastructure:

UPI infrastructure – Robust in-house UPI vs. no UPI capabilities.
Net banking – Network of 90+ private and public banks vs. no relation with local banks.
Subscriptions – RBI-compliant recurring payments vs. subscription through non-local methods.
Success rate – Industry-leading rates on local payment methods vs. higher failures on international methods.
Customised checkout – Complete customisation for the Indian market vs. customisation options available, but only native.
Settlement time – T+1 settlements vs. longer settlements due to intermediary banks.
Fraud prevention – Localised risk monitoring and fraud prevention vs. native fraud prevention only.
Customer support – 24/7 dedicated support vs. no support from India.

Proof and Trust Signals

Licensed under RBI's PA-CB Import framework.
Global settlements powered by J.P. Morgan Chase.
99.99% platform uptime.
500M+ Indians use UPI daily; Cashfree delivers ~92% UPI success rates.
120M+ verified profiles for address prefill.