{"id":35842,"date":"2026-08-19T15:46:38","date_gmt":"2026-08-19T10:16:38","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=35842"},"modified":"2026-08-19T15:46:43","modified_gmt":"2026-08-19T10:16:43","slug":"how-to-accept-payments-from-indian-customers-without-a-local-entity","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/","title":{"rendered":"How to Accept Payments from Indian Customers Without a Local Entity"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a9e1dce1ed1c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a9e1dce1ed1c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#Why_is_Indias_Payment_Ecosystem_Unlike_Any_Other_Market\" >Why is India&#8217;s Payment Ecosystem Unlike Any Other Market?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#What_are_the_Two_Ways_to_Accept_INR_Payments_as_a_Foreign_Business\" >What are the Two Ways to Accept INR Payments as a Foreign Business?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#Local_Entity_vs_PA-CB_Comparison\" >Local Entity vs PA-CB Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#How_Money_Flows_from_the_Customers_Account_to_your_Bank_Account\" >How Money Flows from the Customer\u2019s Account to your Bank Account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#How_to_Sell_to_Indian_Customers_from_Abroad_with_Cashfree\" >How to Sell to Indian Customers from Abroad with Cashfree?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#What_Does_it_Cost_to_Accept_Payments_from_Indian_Customers_Without_a_Local_Entity\" >What Does it Cost to Accept Payments from Indian Customers Without a Local Entity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><em>Yes, foreign businesses can accept INR and UPI payments from Indian customers without opening a local company by using an RBI-authorized PA-CB (Payment Aggregator Cross-Border) payment provider like Cashfree. This allows international merchants to collect payments via UPI, RuPay, cards, and Net Banking while settling funds in USD, EUR, GBP, and other currencies.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Spend ten minutes in any founder forum about selling to India and you will hit the same line. \u201cBut you don\u2019t have an Indian entity.\u201d It lands like a full stop, as though a missing Indian company is the one thing standing between you and the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It used to be closer to true than it is now. The phrase still means something, and it is worth knowing exactly what an Indian entity does and does not buy you before you spend a quarter and a lawyer\u2019s retainer setting one up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_Indias_Payment_Ecosystem_Unlike_Any_Other_Market\"><\/span><strong>Why is India&#8217;s Payment Ecosystem Unlike Any Other Market?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">India\u2019s digital payment system is built to handle the volume of transactions, which makes it fundamentally different from most global markets. Within this system, the most common failure point is not pricing or logistics, but payment compatibility.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a foreign merchant, enabling Visa and MasterCard is enough to accept payments from Indian customers. But that\u2019s not the case.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. United Payment Interface (UPI)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UPI is not just another payment option in India. For many Indian consumers, it has become the default way to pay online, and it began in 2016 with the National Payments Corporation of India (NPCI). For Indians, <a href=\"https:\/\/www.cashfree.com\/blog\/upi-full-form-meaning-how-it-works\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">UPI<\/mark><\/a> is not an alternative but the default payment method. It plays a role similar to cards in the US or iDEAL in the Netherlands.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This payment method allows real-time bank-to-bank transfers through applications like; GooglePay, PhonePe and Paytm<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No card details, no OTP &#8211; users just need to enter the amount, authenticate the payment with UPI PIN and in some supported flows, biometric authentication is also available.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, one of the reasons why foreign businesses ask why my India payments are failing on my international website is that they have not enabled UPI. Therefore, if you want to <a href=\"https:\/\/www.cashfree.com\/upi-payment-gateway\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">accept UPI payments<\/mark><\/strong><\/a> as a foreign company, your payment stack must connect to India&#8217;s domestic payments ecosystem rather than relying only on international card rails.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>RuPay Card Network &#8211; Often Ignored by Global Merchants<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Where Visa and MasterCard are foreign-born, RuPay is an Indian-made card payment network system. Launched in 2012 by the <a href=\"https:\/\/www.npci.org.in\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">NPCI<\/mark><\/a>, RuPay is the local alternative to Visa and MasterCard.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, RuPay has seen large-scale issuance in India, with public references citing over 750 million RuPay cards issued. Not adding RuPay to your payments infrastructure means missing out on a huge potential customer base.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your checkout only supports Visa or Mastercard, you are excluding a meaningful portion of Indian consumers before the transaction even begins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>RBI-Mandated OTP Transactions<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Reserve Bank of India (RBI) oversees all financial systems in India, and as per the central bank\u2019s requirements, OTP is required for authentication.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Indian digital payments are subject to RBI authentication requirements. For online card payments, this means Additional Factor of Authentication (AFA)\/2FA, often implemented through OTP-based flows, though newer frameworks allow other approved authentication factors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some international websites see materially higher failure rates on Indian transactions when their checkout is not optimised for local <a href=\"https:\/\/www.cashfree.com\/blog\/payment-mode-types\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">payment methods<\/mark><\/strong><\/a> and authentication flows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are some of the core payment behaviours foreign merchants need to account for. Along with this, there\u2019s also Net Banking and EMI options, which customers also expect to see on the payments page.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What are the Key Entities Involved in India\u2019s Payment Ecosystem?<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Entity<\/strong><\/td><td><strong>Role in India&#8217;s Payments Ecosystem<\/strong><\/td><\/tr><tr><td><strong>RBI (Reserve Bank of India)<\/strong><\/td><td>India&#8217;s central bank and payments regulator<\/td><\/tr><tr><td><strong>NPCI (National Payments Corporation of India)<\/strong><\/td><td>Operator of UPI and RuPay<\/td><\/tr><tr><td><strong>UPI (Unified Payments Interface)<\/strong><\/td><td>Real-time bank-to-bank payment network<\/td><\/tr><tr><td><strong>RuPay<\/strong><\/td><td>India&#8217;s domestic card network<\/td><\/tr><tr><td><strong>PhonePe, Google Pay, Paytm<\/strong><\/td><td>Major UPI payment applications<\/td><\/tr><tr><td><strong>AFA \/ OTP<\/strong><\/td><td>RBI-mandated additional authentication for card payments<\/td><\/tr><tr><td><strong>Visa \/ Mastercard<\/strong><\/td><td>International card networks with limited India-specific optimization<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Two_Ways_to_Accept_INR_Payments_as_a_Foreign_Business\"><\/span><strong>What are the Two Ways to Accept INR Payments as a Foreign Business?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Incorporation Route<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Until recently, many foreign businesses looking to collect INR payments from Indian customers often considered local incorporation as the default route.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Incorporate an Indian Private Limited company under the Companies Act, 2013<\/li>\n\n\n\n<li>Appoint local directors<\/li>\n\n\n\n<li>Open an Indian bank account<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cashfree.com\/blog\/gst-registration-online-process-documents\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Register for GST<\/mark><\/a><\/li>\n\n\n\n<li>Hire a Chartered Accountant (CA) for ongoing compliance<\/li>\n\n\n\n<li>Apply to a domestic payment aggregator for merchant onboarding<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Following this process, it can take 3 to 6 months before you can start collecting payments. But this method also creates operational overheads like <a href=\"https:\/\/www.cashfree.com\/blog\/gst-return-filing\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">GST filings<\/mark><\/a>, compliance reporting, accounting, and more.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For international brands that are only testing the Indian market, this method drains resources, time, and effort without any ROI guarantee.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Payment Aggregator-Cross Border (PA-CB) Route<\/strong> &#8211; Recommended<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Since 2023, the Reserve Bank of India has formally enabled the PA-CB (Payment Aggregator Cross-Border) framework under FEMA (Foreign Exchange Management Act).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This framework allows RBI-licensed PA-CB providers to onboard foreign merchants directly, without requiring local incorporation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under this model, businesses selling to Indian customers can;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accept INR payments through UPI, RuPay, Visa, Mastercard, and Net banking.&nbsp;<\/li>\n\n\n\n<li>Receive and settle payments in USD, EUR, GBP and other foreign currencies.&nbsp;<\/li>\n\n\n\n<li>Get FEMA compliance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Consolidated under the RBI (Regulation of Payment Aggregators) Directions, 2025, this framework governs all <a href=\"https:\/\/www.cashfree.com\/cross-border-payment-solutions\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>cross-border digital payments<\/strong><\/mark><\/a> between Indian customers and international merchants.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s how it works:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>An Indian customer pays a foreign merchant in INR.<\/li>\n\n\n\n<li>The payment is processed by an RBI-licensed PA-CB provider.<\/li>\n\n\n\n<li>The INR funds move into an InCA (Inward Collection Account).<\/li>\n\n\n\n<li>The InCA is maintained with an Authorized Dealer Category-I (AD-I) bank.<\/li>\n\n\n\n<li>The AD bank performs foreign exchange conversion.<\/li>\n\n\n\n<li>The converted amount is remitted to the foreign merchant&#8217;s overseas bank account in USD, EUR, GBP, or another supported currency.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Under RBI\u2019s 2025 PA Directions, PA-CB transactions are capped at \u20b925 lakh per transaction.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.cashfree.com\/accept-international-payments\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Cashfree is a PA-CB provider<\/mark><\/strong><\/a>, which means when you partner with us, you don\u2019t need to be an Indian company, have an Indian bank account, or have GST registration.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The PA-CB provider handles the regulation part and provides the payment infrastructure layer, which includes;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.cashfree.com\/kyc-verification\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Merchant KYC<\/mark><\/a> (Know Your Customer) and CDD (Customer Due Diligence)<\/li>\n\n\n\n<li>FEMA compliance workflows<\/li>\n\n\n\n<li>Purpose-code tagging for remittances<\/li>\n\n\n\n<li>FX conversion through AD banks<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cashfree.com\/blog\/firc\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">e-FIRC (Foreign Inward Remittance Certificate)<\/mark><\/a> generation for transaction records<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Local_Entity_vs_PA-CB_Comparison\"><\/span>Local Entity vs PA-CB Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Local Entity Route<\/strong><\/td><td><strong>PA-CB Route<\/strong><\/td><\/tr><tr><td>Indian Company Required<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td>Indian Bank Account<\/td><td>Required<\/td><td>Not required<\/td><\/tr><tr><td>GST Registration<\/td><td>Usually required<\/td><td>Depends on business model<\/td><\/tr><tr><td>Time to Go Live<\/td><td>3\u20136 months<\/td><td>As fast as 48 hours<\/td><\/tr><tr><td>UPI Support<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Compliance Burden<\/td><td>High<\/td><td>Lower<\/td><\/tr><tr><td>FX Settlement<\/td><td>Manual setup<\/td><td>Managed by provider<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Role of Each Entity in Building Your Payment Infrastructure<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Entity<\/strong><\/td><td><strong>Role<\/strong><\/td><\/tr><tr><td><strong>RBI (Reserve Bank of India)<\/strong><\/td><td>India&#8217;s payments regulator<\/td><\/tr><tr><td><strong>PA-CB<\/strong><\/td><td>Framework governing cross-border payment aggregation<\/td><\/tr><tr><td><strong>FEMA<\/strong><\/td><td>India&#8217;s foreign exchange regulatory law<\/td><\/tr><tr><td><strong>InCA (Inward Collection Account)<\/strong><\/td><td>Account where INR funds are collected before FX conversion<\/td><\/tr><tr><td><strong>AD Bank (Authorized Dealer Bank)<\/strong><\/td><td>RBI-authorized bank handling foreign exchange conversion<\/td><\/tr><tr><td><strong>e-FIRC<\/strong><\/td><td>Proof of inward foreign remittance<\/td><\/tr><tr><td><strong>KYC \/ CDD<\/strong><\/td><td>Merchant identity verification and compliance checks<\/td><\/tr><tr><td><strong>Cashfree Payments<\/strong><\/td><td>RBI-licensed PA-CB provider<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Money_Flows_from_the_Customers_Account_to_your_Bank_Account\"><\/span><strong>How Money Flows from the Customer\u2019s Account to your Bank Account?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign merchants often hesitate to enter India because they cannot clearly see how funds move across borders compliantly. The PA-CB model solves this by creating a regulated settlement chain from the Indian customer to your overseas account. Here\u2019s how the process works;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Payment Initiation: <\/strong>An Indian customer makes the payment using UPI, RuPay, Visa, Mastercard, or Net Banking, and this transaction is processed in INR.<br><\/li>\n\n\n\n<li><strong>Cashfree Captures the Transaction: <\/strong>Cashfree, working as an RBI-licensed PA-CB provider, processes the payment and routes the funds into an Inward Collection Account (InCA). This account is maintained with an Authorized Dealer Category-I (AD-I) bank in India.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>FX Conversion: <\/strong>Once funds are added to the InCA, the bank will convert INR into your preferred settlement currency, and here, Cashfree does not take any FX Markup fees from overseas businesses on the conversion process.<br><\/li>\n\n\n\n<li><strong>Overseas Settlement Completes: <\/strong>The converted funds are remitted to your overseas bank account through SWIFT\/wire transfer infrastructure. Most eligible merchants receive settlement on a T+1 business day basis.<br><\/li>\n\n\n\n<li><strong>Documentation: <\/strong>Every settlement includes an e-FIRC (electronic Foreign Inward Remittance Certificate), which is the official proof of inward foreign remittance and is needed for compliance and accounting purposes under FEMA.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Sell_to_Indian_Customers_from_Abroad_with_Cashfree\"><\/span><strong>How to Sell to Indian Customers from Abroad with Cashfree?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cashfree has made an easy and business-friendly onboarding process for foreign merchants. Within 48 hours of onboarding, you can <a href=\"https:\/\/www.cashfree.com\/accept-international-payments-from-india\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>start accepting payments from Indian customers<\/strong><\/mark><\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Prepare Documentation<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Collect all documents, including;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business registration certificate from your home country<\/li>\n\n\n\n<li>Proof of business address<\/li>\n\n\n\n<li>Director or authorized signatory ID (passport or national ID)<\/li>\n\n\n\n<li>Overseas bank account details for settlements<\/li>\n\n\n\n<li>Website or app URL with a clear product or service description<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Complete Merchant Onboarding<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sign up through Cashfree\u2019s international merchant onboarding flow as we directly onboard foreign entities under the RBI PA-CB framework. For this process, you don\u2019t need to be an Indian co-founder, local director, or even an Indian entity. Cashfree conducts merchant KYC (Know Your Customer) and CDD (Customer Due Diligence) as required under RBI regulations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Choose your Integration Method<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Integration method depends on your technical setup, including;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>No-Code: <\/strong><a href=\"https:\/\/www.cashfree.com\/payment-links\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Payment links<\/mark><\/a> and payment pages are added for instant INR collection.\u00a0<\/li>\n\n\n\n<li><strong>E-Commerce Plugins: <\/strong>Integrate your Shopify and Magento store with Cashfree.&nbsp;<\/li>\n\n\n\n<li><strong>REST APIs: <\/strong>Completely customized checkout integration supporting all payment methods, including UPI app launch, payment links and UPI mandates.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>Testing and Go-Live<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We allow businesses to test transactions inside a <a href=\"https:\/\/www.cashfree.com\/blog\/payment-gateway-testing\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Sandbox environment<\/mark><\/a> before full-scale production deployment. We deliver a robust payments system allowing businesses and merchants to go live within 48 hours using a 99.99% uptime SLA backed infrastructure.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. <strong>Operations Management<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With Cashfree, you get an operations dashboard where you can track payments, see settlement visibility, manage refunds, reconcile exports, and download e-FIRC documentation.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"444\" data-attachment-id=\"35856\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/how-to-accept-payments-from-indian-customers-without-a-local-entity\/why-choose-cashfree-payment-to-accept-international-payments-from-india\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?fit=1653%2C952&amp;ssl=1\" data-orig-size=\"1653,952\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Why Choose Cashfree Payment to Accept International payments from india\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?fit=770%2C444&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=770%2C444&#038;ssl=1\" alt=\"Why Choose Cashfree Payment to Accept International payments from india\" class=\"wp-image-35856\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=1024%2C590&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=300%2C173&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=768%2C442&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=1536%2C885&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?resize=1200%2C691&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/05\/Why-Choose-Cashfree-Payment-to-Accept-International-payments-from-india.png?w=1653&amp;ssl=1 1653w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Does_it_Cost_to_Accept_Payments_from_Indian_Customers_Without_a_Local_Entity\"><\/span><strong>What Does it Cost to Accept Payments from Indian Customers Without a Local Entity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Transparency in pricing matters because cross-border payments have several hidden costs inside FX spreads and settlement delays. Payment system providers charge businesses based on business category, payment method mix, and processing volume.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Out of all, FX conversion is the most important cost. Payment providers like Cashfree offer transparent FX on settlement, and the conversion is handled at the prevailing interbank market rate through RBI-authorized AD-I banking partners. This is significant for an international business because many cross-border payment providers quietly add 1\u20134% FX markup inside the conversion rate itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hidden Cost Checklist: Questions to Ask Any Provider:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is there an FX markup beyond the published transaction fee?<\/li>\n\n\n\n<li>Are settlement delays contractually built into payouts?<\/li>\n\n\n\n<li>Is e-FIRC documentation included or billed separately?<\/li>\n\n\n\n<li>Are refunds charged as additional transactions?<\/li>\n\n\n\n<li>Are there minimum processing commitments or monthly platform fees?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The modern era of India\u2019s payment ecosystem does not require foreign businesses to choose between compliance and speed.\u00a0 With zero local incorporation, without opening a bank account, or without building a separate entity, overseas businesses can start accepting payments from Indian customers.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The RBI\u2019s PA-CB framework and the payment providers authorized to use this framework allow cross-border transactions while staying compliant.\u00a0 Now, your customers can pay without any issues because they can pay through UPI, the most common digital payment method used in India today.\u00a0<\/p>\n\n\n\n<div style=\"background:#f5f3ff; padding:24px; border-radius:10px; margin:28px 0; text-align:center; border:1px solid #e9ddff;\">\n  <h3 style=\"margin:0 0 10px; font-size:21px; font-weight:600; color:#2d1b69;\">\n    Ready to Accept Payments from Indian Customers?\n  <\/h3>\n  <p style=\"margin:0 0 18px; font-size:16px; line-height:1.6; color:#4b5563;\">\n    Get started with Cashfree\u2019s international merchant onboarding and accept UPI payments from customers in India.\n  <\/p>\n  <a href=\"https:\/\/merchant.cashfree.com\/merchants\/signup?source-action=Blog&#038;action=Sign%20Up&#038;button-id=StartNow_BlogFooterCTA\" \n     style=\"display:inline-block; background:#6d28d9; color:#ffffff; padding:12px 22px; border-radius:6px; text-decoration:none; font-weight:600; font-size:15px;\">\n    Get Started with Cashfree\n  <\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can a foreign company accept UPI payments without a local entity in India?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, <a href=\"https:\/\/www.cashfree.com\/blog\/can-us-company-accept-upi\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">foreign companies can accept UPI payments<\/mark><\/a> by either registering as a local entity or by partnering with an RBI-authorized PA-CB compliant provider like Cashfree. The PA-CB route allows international businesses to accept payments in their local currency without registering their firm in India.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is the RBI PA-CB framework?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The PA-CB (Payment Aggregator Cross-Border) framework allows licensed payment providers to process cross-border transactions between Indian customers and overseas businesses compliantly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do I need to register for GST in India to sell to Indian customers?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PA-CB does not require you to incorporate locally just to collect payments. However, GST or other tax obligations may still apply depending on what you sell, your operating model, and applicable Indian tax rules. Businesses should consult a tax advisor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do I need an Indian bank account to collect payments from India?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No. With a PA-CB provider, payments are collected in INR and settled directly into your overseas bank account in your preferred currency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Which Indian payment methods should international businesses support?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">International businesses should support; UPI, RuPay, Visa, Mastercard, Net Banking and EMI options<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What currencies can foreign businesses settle in?<br><\/strong>Most PA-CB providers support settlements in; USD, EUR, GBP, SGD, AED, and other major currencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How long does it take to start accepting Indian payments as a foreign company?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking the old route, where you must first incorporate your company in India, get a GST number, get all permissions, and get FEMA compliance, means spending at least 15 to 20 days. With Cashfree, eligible merchants can go live quickly, subject to documentation, KYC\/risk checks, integration readiness, and approval.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is there a transaction limit for cross-border payments in India?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the Regulation of Payment Aggregators) Directions, 2025, the maximum transaction value permitted for inward cross-border payments is \u20b925,00,000 per transaction. Any amount above this will require alternative methods as stated under the FEMA regulations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yes, foreign businesses can accept INR and UPI payments from Indian customers without opening a local company by using an RBI-authorized PA-CB (Payment Aggregator Cross-Border) payment provider like Cashfree. This allows international merchants to collect payments via UPI, RuPay, cards, and Net Banking while settling funds in USD, EUR, GBP, and other currencies. Spend ten<\/p>\n","protected":false},"author":142,"featured_media":38961,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[9490,1383],"tags":[],"class_list":["post-35842","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cross-border-commerce-payments","category-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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