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An international payment gateway is a payment processor that enables Indian businesses to accept payments from overseas customers in their preferred currencies, while settling funds into an Indian bank account in INR. It handles currency conversion, cross-border compliance, fraud detection, and remittance documentation. So you don't have to.
For Indian businesses, using a dedicated international payment gateway is the difference between:
Cashfree Payments is India's first licensed PA-CB (E&I), the first non-bank entity to receive the full Export & Import cross-border payment aggregator licence from the Reserve Bank of India (July 2024), the highest regulatory clearance for international payment processing in India.
International payment gateways are also known as: cross-border payment gateway · multi-currency payment gateway · global payment gateway · foreign payment gateway · overseas payment gateway · international card payment gateway
Cashfree Payments processes $80 billion in transactions annually for more than 1 million businesses across India and international markets. The infrastructure handles up to 12,000 transactions per second, making it one of the highest-throughput payment platforms built in India.
On the cross-border payments side specifically:
Accept international card payments in 140+ currencies across 170+ global markets with one integration — designed for secure, compliant, and high-conversion global checkouts.
140+ Currencies. 170+ Markets. One Integration.
Accept Visa, Mastercard, Amex, and Maestro — let customers pay in their preferred currency, with zero extra setup.
| Feature | Details |
|---|---|
| Supported Currencies | 140+ |
| Global Markets | 170+ |
| Countries (FAQ) | 240 |
| Integration | One integration |
| Supported Card Networks | Visa, Mastercard, Amex, Maestro |
| Standard Pricing | Flat 2.99% |
| Hidden Fees | None |
| Settlement Time | T+2 days |
| Settlement Currency | INR |
| Security | 3DS 2.0, RiskShield, PCI-DSS Compliant |
| Address Verification | Available for US & CA cards |
Pay the industry's lowest fees and enjoy competitive forex rates, so you keep more of what you earn from every transaction. Flat 2.99%. No hidden fees. No surprises.
Show prices in your customer's local currency to build trust and reduce last-minute drop-offs. When a UK buyer sees GBP and a UAE buyer sees AED, conversion rates go up and cart abandonment goes down.
Get settlement in INR within two days — without waiting on complex international remittances. Compared to traditional international wire transfers that can take 5–7 days, T+2 settlement means faster access to your working capital.
Stay compliant with real-time access to FIRS (Foreign Inward Remittance Statements) — download them anytime, directly from your dashboard. No chasing your bank for documentation. For businesses using Global Collections, e-FIRA is auto-generated within 24 hours of the transaction at no additional cost — compared to the 2 to 3 weeks it previously took to obtain this document from a bank. See also: What is an FIRC and why is it needed?
Enable secure transactions with 3DS 2.0 and RiskShield, Cashfree's ML-based fraud detection layer. Boost approval rates with Address Verification for US & Canada cards — the additional authentication step that reduces false declines on high-value transactions.
Add Apple Pay to your checkout and convert 15% more customers. Win more customers in the US, Canada, UK, UAE, and more.
Real results from Indian businesses using Apple Pay on Cashfree:
Set up global subscriptions with automated billing, flexible pricing, and smart retention tools. Pair with Subscriptions for full recurring billing automation.
Let customers pay through familiar options — PayPal, Apple Pay, and local bank transfers — cutting fees, reducing friction, and boosting conversions.
Enable alternate payment methods and convert more users at lower costs.
Accept payments from international customers through local bank transfers — ACH (US), SEPA (Europe), Faster Payments (UK), and more.
Don't have a website or want to customise an offer?
Whether you sell products, subscriptions, or services — accept global payments with zero friction.
For Indian businesses accepting cross-border payments, the choice of gateway matters more than for domestic-only transactions. Here is why Cashfree is the stronger option on the metrics that matter for international payment acceptance.
| Cashfree | Razorpay | Stripe India | PayU | |
|---|---|---|---|---|
| RBI PA Licence | ✅ CoA 266/2025 | ✅ Yes | ✅ Yes | ✅ Yes |
| PA-CB Licence (Export + Import) | ✅ First in India (Jul 2024) | ✅ Yes (Dec 2025) | ❌ International entity | ⚠️ Applied |
| PCI-DSS Level 1 | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
Cashfree was the first non-bank entity in India to receive the full PA-CB-E&I licence from the RBI (July 2024) — more than 17 months before Razorpay received theirs (December 2025). This regulatory head start matters in practice: Cashfree has been processing fully compliant cross-border Export and Import transactions under the highest regulatory clearance since mid-2024.
| Feature | Cashfree | Razorpay | Stripe India | PayU |
|---|---|---|---|---|
| International card rate | 2.99% standard | 3% + GST | 4.3% + 2% FX (6.3% effective) | ~3% |
| Currencies supported | 140+ (first Indian fintech) | 100+ | 135+ | 100+ |
| Markets | 170+ | Global | Global | Global |
| Apple Pay | ✅ Yes (since Sep 2025) | ✅ Yes (since Sep 2025) | ✅ Yes | ❌ No |
| PayPal integration | ✅ Yes (no setup) | ✅ Yes | ✅ Yes | ✅ Yes |
| Local bank transfers (ACH/SEPA) | ✅ 30+ currencies | ❌ Limited | ✅ Yes | ❌ Limited |
| INR settlement timeline | T+2 | T+7 | Varies | T+2–T+5 |
| FIRS/FIRC on-demand | ✅ Dashboard + auto in 24hr | Manual | Manual | Manual |
| 3DS 2.0 | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Address Verification (US/CA) | ✅ Yes | Limited | ✅ Yes | Limited |
| Recurring international billing | ✅ 140+ currencies | ✅ Yes | ✅ Yes | ✅ Yes |
| Purpose-built for Indian exporters | ✅ PA-CB E&I | Limited | ❌ US/EU focus | ✅ Yes |
| Cashfree | Razorpay | Stripe | PayU | |
|---|---|---|---|---|
| International card settlement | T+2 in INR | T+7 in INR | Varies by country | T+2–T+5 |
| Local bank transfer settlement | Available | Not standard | Available | Not standard |
| FEMA/RBI compliance docs | ✅ Auto FIRS (24hr) | Manual | ❌ Limited | Manual |
Cashfree's T+2 INR settlement for international card payments is significantly faster than Razorpay's T+7 — confirmed by Razorpay's own official documentation — meaning Indian exporters receive their money five working days earlier on every international transaction. At scale, this is a direct working capital advantage.
Razorpay is a strong domestic payment gateway and has been expanding its international payments offering since its acquisition of Curlec (Malaysia) in 2022. However, on the specific metrics that matter for Indian exporters, Cashfree holds consistent advantages:
Pricing: Cashfree's flat rate of 2.99% is lower than Razorpay's 3% plus applicable GST. Over high transaction volumes, this gap compounds meaningfully.
Settlement speed: Razorpay's default settlement cycle for international payments is T+7, per their official documentation. Cashfree settles at T+2 in INR — five working days faster. Razorpay does offer early settlement at an additional charge, but this adds cost rather than delivering speed as a standard.
Regulatory timeline: Cashfree received India's first PA-CB (E&I) licence in July 2024. Razorpay received theirs in December 2025 — 17 months later. During that window, Cashfree was processing fully licensed cross-border transactions while Razorpay was still operating under applied-for status.
Apple Pay: Both Cashfree and Razorpay launched Apple Pay support for international payments in September 2025. Cashfree's Apple Pay integration shows a 90%+ authorization success rate and has published case studies from Veda Oils, Iris Holidays, and Safaa demonstrating measurable conversion lifts.
FIRS documentation: Cashfree generates e-FIRA (Foreign Inward Remittance Acknowledgement) within 24 hours of a transaction, automatically and at no additional cost. Razorpay's FIRC documentation requires manual follow-up with the bank, which previously took 2 to 3 weeks.
Currency breadth: Cashfree became the first Indian fintech to support 140+ currencies on an international payment gateway (May 2025). Razorpay supports 100+ currencies.
Choose Cashfree if you need:
"At RedBus, a seamless booking experience is our priority. Cashfree Payments enables us to deliver just that, with unmatched success rates for both domestic and international payment modes and reliable support, helping us scale effortlessly."
Srikanth Radhakrishna, Product Management, RedBus
Cashfree Payments' International Payment Gateway enables you to accept payments from across the world without any additional effort. You can start accepting payments in 140+ currencies from 240 countries via PayPal or through international cards after onboarding.
To check if International Cards are enabled on your Cashfree account:
To enable PayPal:
Once activated, you can receive payments from international customers via their credit and debit cards or PayPal.
Yes. With Cashfree Payments, you can easily set up recurring payments in 140+ currencies via cards. Automate billing, recover failed payments, and grow steady revenue — all integrated into your dashboard. Use Subscriptions for full recurring billing automation including plan upgrades, downgrades, free trials, and smart payment retry logic.
No. With Cashfree Payments, you receive your payments in INR in your settlement account with minimal additional charges or effort for currency conversion. Competitive forex rates are included in the flat transaction fee.
An FIRC (Foreign Inward Remittance Certificate) is documentary proof for any foreign transfer into India. Payments from international customers constitute a "Foreign Inward Remittance" — i.e., a payment flowing into India from abroad, usually accompanied by exporting goods or services from India to a foreign country.
Key uses of FIRC:
Cashfree also provides FIRS (Foreign Inward Remittance Statements) on-demand from your dashboard, so you never need to chase documentation from your bank. For Global Collections transactions, e-FIRA is auto-generated within 24 hours of the transaction at no additional cost.
Settlements occur in INR within T+2 days (two business days after the transaction). This is significantly faster than the industry norm of T+5 to T+7 for international settlements. All foreign currencies are converted to INR at competitive forex rates before settlement.
Global Collections enables businesses to accept local bank transfers in 30+ currencies across 180+ countries — ACH (US), SEPA (Europe), Faster Payments (UK), and more. Funds can be held in multiple currencies and settled in INR, saving up to 50% vs traditional international wire transfers.
This is ideal for B2B exporters, SaaS companies billing in USD or EUR, and freelancers who want clients to pay via local bank transfers rather than expensive international cards.
Global Collection accounts can be used for export of goods and services, SaaS subscriptions billed in foreign currency, freelance project fees, consulting retainers, and any business-to-business international transaction where the Indian business is the exporter or service provider.
Businesses must be compliant with FEMA (Foreign Exchange Management Act) regulations. The type of goods or services exported must be permitted under RBI's guidelines for PA-CBs. Restricted or prohibited goods and services cannot be facilitated. Contact Cashfree Sales to verify eligibility for your business category.
Yes. FIRS reports are available on-demand from your Cashfree dashboard — download them anytime without needing to request documentation from your bank. This simplifies GST compliance, export incentive claims, and audit preparation.
Yes. Cashfree Payments is India's first licensed PA-CB (Export & Import) — the first non-bank entity to receive the full cross-border payment aggregator licence from the RBI (July 2024). All Global Collections transactions are processed in compliance with FEMA regulations. Cashfree also holds an RBI Payment Aggregator licence (CoA No. 266/2025).
A multi-currency payment gateway allows Indian businesses to accept payments in multiple currencies from international customers, while settling funds in their preferred currency — typically INR. It handles real-time currency conversion, cross-border compliance, and remittance documentation automatically, so Indian businesses can go global without managing foreign bank accounts or currency risk.
Indian businesses use international payment gateways to accept payments from global customers, expand into international markets, offer local currency pricing to reduce cart abandonment, simplify cross-border transactions, and receive settlements in INR without complex remittance processes. With the right gateway, there are no separate foreign bank accounts, no manual forex conversion, and no chasing compliance documentation.
The most commonly accepted currencies are USD (US Dollar), GBP (British Pound), EUR (Euro), AED (UAE Dirham), AUD (Australian Dollar), CAD (Canadian Dollar), SGD (Singapore Dollar), and JPY (Japanese Yen). Cashfree supports 140+ currencies via international cards and 30+ currencies via local bank transfers through Global Collections.
Yes. Indian businesses can accept online payments from overseas clients using Cashfree Payments' International Payment Gateway, which supports international cards (Visa, Mastercard, Amex, Maestro), Apple Pay, PayPal, and local bank transfers across 170+ markets.
Key features to look for:
An international payment gateway enhances global sales by enabling acceptance from 170+ markets, displaying prices in local currencies to build trust, supporting familiar payment methods (Apple Pay, PayPal, local cards), reducing cart abandonment through optimised checkout, providing secure compliant payment processing, and simplifying settlement and compliance via on-demand FIRS reports.
Key differences: Cashfree's international card rate 2.99% standard is lower than Razorpay's 3% plus applicable GST. Cashfree settles international payments in T+2 days in INR, vs Razorpay's default of T+7 per their official documentation — five working days faster. Cashfree provides FIRS reports on-demand from the dashboard, and auto-generates e-FIRA within 24 hours for Global Collections transactions; Razorpay requires manual documentation from the bank. Both Cashfree and Razorpay launched Apple Pay support for international payments in September 2025. Cashfree became the first Indian fintech to support 140+ currencies in May 2025; Razorpay supports 100+ currencies. Cashfree holds India's first PA-CB (E&I) licence — granted July 2024, more than 17 months before Razorpay received theirs (December 2025). See the full comparison above.
PA-CB (Payment Aggregator — Cross Border) is the RBI's licensing framework for non-bank entities facilitating online cross-border payments for the import and export of goods and services in India. Before this framework (introduced October 2023), cross-border payments were handled informally through AD banks.
Cashfree was the first non-bank entity in India to receive the full PA-CB-E&I licence (Export & Import) from the RBI in July 2024 — more than 17 months before Razorpay received theirs in December 2025. This means:
For Indian D2C brands selling to customers in the US, UK, UAE, and Europe, Cashfree offers the combination most relevant to direct-to-consumer commerce: flat 2.99% pricing with no hidden fees, Apple Pay support that has shown 10 to 13% conversion lifts in published case studies, local currency display, T+2 INR settlement, and address verification for US and Canada cards to reduce false declines on high-value orders. The platform also handles FEMA compliance documentation automatically, removing a significant operational burden for growing exporters.
Indian freelancers and SaaS businesses billing US clients can use Cashfree's Global Collections to receive payments via ACH bank transfers directly from US clients, without requiring them to use wire transfers or international cards. This approach typically saves up to 50% compared to traditional international wire fees. Funds are received in USD and settled in INR. For SaaS businesses with recurring billing, Cashfree's international recurring payments support 140+ currencies via cards, with automated retry logic for failed payments.
Cashfree Payments offers T+2 INR settlement for international card payments, which is the fastest default settlement available among RBI-licensed payment aggregators in India. Razorpay's default international settlement cycle is T+7, per their official documentation. T+2 settlement means Indian exporters access their funds five working days earlier on every international transaction, which directly improves working capital management and reduces the need for credit facilities to bridge settlement gaps.
Yes. Cashfree launched Apple Pay support for international payments in September 2025. Indian merchants using Cashfree's international payment gateway can offer Apple Pay to customers on Apple devices across the US, UK, Canada, UAE, and Europe. Apple Pay uses tokenised and biometric authentication, removing the need for customers to enter card numbers at checkout. Cashfree's Apple Pay integration achieves a 90%+ authorization success rate. Published case studies show Veda Oils achieved a 13% higher success rate and 10% higher unique user conversion after enabling Apple Pay, while Iris Holidays reduced cart abandonment to near zero.
Cashfree Payments operates under India's most comprehensive regulatory authorisations for international payments:
India's First Licensed PA-CB (E&I): The first non-bank entity to receive RBI's cross-border payment aggregator licence for both Export and Import transactions.
RBI Authorised Payment Aggregator License: Certificate of Authorisation No. 266/2025 View Certificate →
RBI Authorised Prepaid Payment Instrument (PPI) Provider: Certificate of Authorisation No. 209/2024 View Certificate →
Certifications: PCI-DSS Level 1 · ISO 9001 · ISO 27001
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis Partners and was incubated by PayPal.
Certifications: PCI-DSS · ISO 9001 · ISO 27001
RBI Authorised Payment Aggregator License — Certificate of Authorisation No. 266/2025 RBI Authorised Prepaid Payment Instrument (PPI) Provider — Certificate of Authorisation No. 209/2024
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© 2026 Cashfree Payments India Private Limited
*2.99% offer applies to international card transactions for new merchants signing up before 31st July 2026. Standard rate is 2.99%. Full Terms & Conditions Apply — see T&C