Local Payments in India
Collect payments from Indian customers. No local entity required.
Tap into one of the world's fastest-growing markets and accept INR payments like a local
Every layer of India payments, on one platform
Boost Checkout Conversions with Local Payment Options
Offer UPI, RuPay, Visa/Mastercard, and netbanking to boost success rates and reduce drop-offs.
Stop Losing Indian Customers to Failed Payments
Local routing ensures >80% success rates, so your customers don’t drop off.
Get Settlement in Your Currency at Zero FX Cost
Receive funds in USD, EUR, GBP, or your preferred currency to your overseas account, at 0% FX markup.
Go Live without a Local Entity
No local incorporation needed. Integrate via API or no-code tools and start accepting Indian payments.
Reconcile INR Collections with Global Settlements
Match Indian customer payments with your overseas settlements in real time via dashboard or API.
Handle High-Volume, Time-Critical Payments
99.99% uptime, so you can keep payments running through campaigns, sales and renewals.
Every payment method your Indian customers prefer
UPI Payments
The payment method 500M+ Indians use daily, with a Connector/Switch built in-house
~92%UPI Payment Success Rates
Domestic Cards
RuPay, Visa, Mastercard, Amex & Diners, with CVV-free flows and built-in tokenisation
~85%Card Payment Success Rates
Net Banking
Coverage across 90+ banks, preferred for large-ticket purchases
~70%Net Banking Success Rates
Recurring and Subscription Payments
Boost Conversions and
Retention with UPI AutoPay
Enable recurring payments through India's most preferred method, flexible billing cycles, fixed amounts, one-time customer authorisation.
Set up Standing Instructions on Cards
Set up standing instructions on credit and debit cards - one authentication and fully automated from there. Wide access to India's growing cardholder base.
Automate High-Value Payments with eMandates
Same-day eMandate creation via net banking, debit card, or credit card. Built for enterprise and subscription billing cycles that need fast, frictionless collections.
India payments, built for your business
D2C / Ecommerce
Reduce cart abandonment with a one-click checkout experience built for Indian shoppers with WhatsApp OTP login, address prefill from 120M+ verified profiles, and preferred payment mode pre-selected.
Travel
Accept Travel Payments from India through preferred methods, offer EMI and bank offers at checkout through a compliant checkout flow.
Global Payment Aggregators
Expand into India without building local infrastructure. Onboard and manage sub-merchants via API, access local payment methods, and settle in their preferred currency.
SaaS & AI
Collect subscription and one-time payments from Indian customers. UPI AutoPay, cards, and net banking supported.
Education
Accept tuition fees, course payments, and recurring collections from Indian students in INR, settled in your preferred currency.
Platforms
Power India payments for your merchants through a direct platform partnership.
Built for India.
Not adapted to it.
Cashfree
International PAs
UPI payments
Robust UPI infrastructure
No UPI capabilities
Net banking
Network of 90+ private and public banks
No relation with local banks
Subscriptions
RBI-compliant recurring payments
Subscription through non-local methods
Success rate
Industry-leading rates on local payment methods
May have higher failures on international methods
Customised checkout
Complete customisation for the Indian market
Customisations options available, but only native
Settlement time
T+1 settlements
Longer settlements due to intermediary banks
Fraud prevention
Localised risk monitoring and fraud prevention
Native fraud prevention
Customer support
24/7 dedicated support
No support from India
Global settlements in your currency, without surprises
Powered by J.P. Morgan Chase
Safeguard your Business with Intelligent Risk Management
Detect Fraud Before It Hits Your Dashboard
Detect and block fraudulent transactions with ML-powered risk detection trained on millions of transactions.
Create a Custom Blacklist
Block users based on payment methods, locations, devices, or transaction patterns.
Set up Smart Limits
Detect and block chargebacks at scale by setting smart limits on parameters, such as transaction amount or count.
Frequently asked questions
Do I need a local Indian entity to use PA-CB Import?
No. That is the core function of the PA-CB Import licence. Cashfree acts as the licensed intermediary. You collect from Indian customers without incorporating locally or obtaining your own RBI licence.
What payment methods do Indian customers see at checkout?
UPI, cards (RuPay, Visa, Mastercard, Amex), and net banking across 90+ banks. The checkout runs on local payment method logic, not a generic international gateway flow.
In which currencies can I receive settlement?
USD, EUR, GBP, SGD, AUD, CAD, HKD, and 100+ others.
What happens if transaction verification is not completed in time?
The payment is automatically reversed and refunded to the customer. If the processing bank requires additional information, you will be notified. Verification timelines are agreed during onboarding.
Do I need to register for GST before I can start collecting payments?
No. GST registration and PA-CB Import onboarding are independent processes. You can begin collecting payments from Indian customers while your GST or OIDAR registration is in progress or under review. The two tracks run in parallel.
How does settlement work?
Once a transaction is verified, funds are converted at your partner bank's FX rate on the settlement date and transferred to your overseas bank account in your preferred currency. Settlement TAT is verification + 1 business day.
What documents are needed to get started?
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?
Onboarding timelines depend on the submission and review of documents. Our team will confirm your activation status during the process.
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