What Are the Best Payment Gateways for International Payments for Indian Businesses in 2026?

Author:: Manoj Sharma
Verified by:: Editorial team
Published:: 30 Sept 2026
Last modified:: 30 Sept 2026

Short answer

Ranked by the INR received on a $10,000 invoice, the best payment gateways for international payments for Indian businesses in 2026 are: 1. Razorpay, 2. Stripe, 3. PayPal. Also covered, without full published pricing: PayU, Adyen, Cashfree Payments, Tazapay. The list covers gateways that accept international card or wallet payments for Indian merchants.

Top picks
Platform	Best for	INR on $10,000
Razorpay	Indian businesses and freelancers on Razorpay invoicing foreign clients	₹9,34,967
Stripe	Registered Indian businesses selling online to card-paying foreign customers	₹8,75,796
PayPal	Card and PayPal-wallet payments from overseas PayPal buyers	₹8,69,840
PayU	Indian businesses taking international card payments online	Up to ₹9,12,638 (estimate)
Adyen	Large enterprises accepting card and UPI from Indian shoppers	Price on request: card and FX fees are set in Adyen's contract

What are the best payment gateways for international payments for Indian businesses?

Ranked by the INR that reaches an Indian bank on a $10,000 invoice, the best payment gateways for international payments for Indian businesses are 1. Razorpay, 2. Stripe, 3. PayPal. Also covered, without full published pricing: PayU, Adyen, Cashfree Payments, Tazapay. The list covers gateways that accept international card or wallet payments for Indian merchants.

A low headline fee does not always mean the most money received, because the FX markup on conversion is often the larger cost.

Which payment gateways for international payments rank highest for Indian businesses?

Razorpay: ₹9,34,967 on $10,000 (1.18% cost). 1% per bank transfer (flat INR 1,000 below INR 1,00,000), plus GST; FlashLinks (US) ACH debit 2%; international cards and wallets up to 3% plus taxes.
Stripe: ₹8,75,796 on $10,000 (7.43% cost). 4.3% per international card payment with USD or other currency presentment, 3% for Visa and Mastercard cards issued outside India, 3.5% for American Express cards issued outside India, each plus 2% if currency conversion is required.
PayPal: ₹8,69,840 on $10,000 (8.06% cost). 4.40% + USD 0.30 per international commercial payment received (fixed fee varies by currency, e.g. EUR 0.35, GBP 0.20).
PayU: Full pricing not published. 3% for international transactions on the standard plan, plus 18% GST; custom pricing for higher-volume or enterprise businesses based on payment mode, industry type, risk profile, transaction volume, value-added features and processing requirements.
Adyen: Full pricing not published. Indicative: $0.13 per transaction plus a payment-method fee (Visa/Mastercard: Interchange++ plus 0.60%); custom pricing via sales; minimum invoice depends on industry.
Cashfree Payments: Full pricing not published. Global Collections: current price on request (a 1 August 2023 Cashfree blog gave 1% to 1.5% by volume for local rails); international cards 2.99% (Visa, Mastercard) or 2.95% (American Express) plus GST, as of 10 August 2026.
Tazapay: Full pricing not published. Global Collection Accounts: collection fee subject to a signed Pricing Addendum (not published); card payments 3.8% + USD 0.5; alternative payment methods 0.8% to 2.5% (non-high-risk industries).

How do the best payment gateways for international payments compare?

Best payment gateways for international payments compared
Platform	Fee model	FX markup	Best for	INR on $10,000
Razorpay	1% per bank transfer (Rs 1,000 flat below Rs 1,00,000) + GST	States 0% markup on MoneySaver at live rate	Indian businesses and freelancers on Razorpay invoicing foreign clients	₹9,34,967
Stripe	4.3% intl cards; 3% Visa/Mastercard, 3.5% Amex; + 2% if converted	2% if converted; Stripe says rate is generally mid-market	Registered Indian businesses selling online to card-paying foreign customers	₹8,75,796
PayPal	4.40% + USD 0.30 per international payment; fixed fee varies	3.0% above PayPal's base rate on conversion	Card and PayPal-wallet payments from overseas PayPal buyers	₹8,69,840
PayU	3% international + 18% GST; custom pricing for higher volume	Not confirmed; inter-bank rate, no margin published	Indian businesses taking international card payments online	Up to ₹9,12,638 (estimate)
Adyen	Indicative $0.13/txn + Interchange++ + 0.60% for cards; custom pricing	Not confirmed: reference rate + contract-set FX fee, not published	Large enterprises accepting card and UPI from Indian shoppers	Price on request: card and FX fees are set in Adyen's contract
Cashfree Payments	Collections on request (2023: 1% to 1.5%); cards 2.99% + GST	Collections states no forex markup; card FX charge unpublished	Registered Indian businesses wanting card checkout and bank transfer collection	Price on request; Cashfree's 2023 range was 1% to 1.5%
Tazapay	Collection fee by contract; cards 3.8% + USD 0.5; + other fees	Not published; rate shown before you confirm	Indian businesses collecting B2B or e-commerce payments from many countries	Price on request: collection account fee is set by contract

INR figures use the XE mid-market rate for 4 Nov 2026 and fees checked on 30 Sept 2026, with 18% GST on fees where charged.

How do fees change with invoice size?

Flat fees cost a larger share of small invoices, while percentage fees grow with the invoice. The table shows each platform at $2,000, $5,000, $10,000.

INR received by invoice size
Platform and invoice	Fee	FX markup	GST	INR received	Cost	Best for
Razorpay, $2,000	₹1,892	₹0	₹341	₹1,86,993	1.18%	Indian businesses and freelancers on Razorpay invoicing foreign clients
Razorpay, $5,000	₹4,731	₹0	₹852	₹4,67,483	1.18%	Indian businesses and freelancers on Razorpay invoicing foreign clients
Razorpay, $10,000	₹9,461	₹0	₹1,703	₹9,34,967	1.18%	Indian businesses and freelancers on Razorpay invoicing foreign clients
Stripe, $2,000	₹11,921	₹0	₹2,146	₹1,75,159	7.43%	Registered Indian businesses selling online to card-paying foreign customers
Stripe, $5,000	₹29,803	₹0	₹5,365	₹4,37,898	7.43%	Registered Indian businesses selling online to card-paying foreign customers
Stripe, $10,000	₹59,606	₹0	₹10,729	₹8,75,796	7.43%	Registered Indian businesses selling online to card-paying foreign customers
PayPal, $2,000	₹8,354	₹5,426	₹1,504	₹1,73,942	8.08%	Card and PayPal-wallet payments from overseas PayPal buyers
PayPal, $5,000	₹20,843	₹13,567	₹3,752	₹4,34,904	8.07%	Card and PayPal-wallet payments from overseas PayPal buyers
PayPal, $10,000	₹41,658	₹27,134	₹7,498	₹8,69,840	8.06%	Card and PayPal-wallet payments from overseas PayPal buyers

What does each of the best payment gateways for international payments offer?

1.Is Razorpay a good choice for Indian businesses?

Best for: Indian businesses and freelancers already using Razorpay who invoice foreign clients

Razorpay is an Indian payment gateway that also offers the MoneySaver Export Account (International Bank Transfer). Indian exporters and freelancers get virtual local bank details in the US, UK, Europe and other regions plus a SWIFT account, share them with foreign clients, and receive INR in their Indian bank account. Settlement needs an invoice and buyer address details for each transaction, except for some marketplace and freelancing platform payouts.

Key features

Virtual local accounts for USD (ACH), GBP (FPS) and EUR (SEPA), plus a SWIFT account
INR settlement to an Indian current account, with non-INR settlement to an EEFC account supported
FIRS / e-FIRC generated within 24 hours of settlement
Connects to Amazon, Upwork, Deel, Toptal, Freelancer and Fiverr payouts

Pros

FX: 0% markup on bank transfers, as stated on the pricing page
Speed: T+1 settlement for local bank transfers once invoice details are shared
Compliance: FIRS sent within 24 hours of settlement
Regulation: listed by RBI as an authorised PA-CB for inward and outward transactions

Cons

Small payments: flat INR 1,000 fee on transactions below INR 1,00,000, which is more than 1% on smaller invoices
Paperwork: an invoice and buyer address are required for every transaction before settlement (except some marketplace payouts)
No holding: funds cannot be kept in the foreign currency accounts
Eligibility: limited to listed export purpose codes and excludes certain merchant categories and NGOs

Verdict: pays ₹9,34,967 on a $10,000 invoice; a weaker fit for freelancers who receive frequent small invoices well under INR 1,00,000, or who want to hold foreign currency.

2.Is Stripe a good choice for Indian businesses?

Best for: Registered Indian businesses selling online to foreign customers who pay by card

Stripe is a global online payments platform. In India it is available by invite only, and registered Indian businesses can use it to accept international card payments declared as exports, with funds paid out in INR to an Indian bank account. Its India help pages list cards, Apple Pay and Google Pay for international payments and do not describe receiving bank transfers from foreign clients.

Key features

Accept international Visa, Mastercard, Amex, Apple Pay and Google Pay payments
Present prices in 135+ currencies on Visa and Mastercard
Billing and invoicing for recurring international payments
Daily automatic INR payouts with international payouts labelled separately

Pros

Checkout and API: Developer tools for websites, subscriptions and invoices
Currency presentment: Customers can pay in their local currency on Visa and Mastercard
Export documentation: Purpose code captured at onboarding and payment advice emailed for export payouts
No fixed fees: No setup or monthly fees on standard pricing

Cons

Invite only: Indian businesses cannot sign up on the website and must request an invite
No individuals: International payments are not supported for individuals; a sole proprietorship, LLP or company is required
Cards and wallets only: Bank transfers (ACH, SEPA, SWIFT) from foreign clients are not listed as a supported method for India accounts
Cost: 4.3% on foreign currency card payments plus 2% if currency conversion is required, with 18% GST on fees (7.434% in total), except that GST is not charged on processing fees for single card transactions up to INR 2,000

Verdict: pays ₹8,75,796 on a $10,000 invoice; a weaker fit for unregistered freelancers, or businesses whose foreign clients pay by bank transfer.

3.Is PayPal a good choice for Indian businesses?

Best for: Receiving card and PayPal-wallet payments from overseas buyers who already use PayPal

PayPal is a global digital wallet and checkout provider. In India it operates through PayPal Payments Private Limited, which offers Export Payment Services that let India-resident individuals and businesses receive payments from buyers outside India for the export of goods and services. Received funds are converted and credited to the user's linked Indian bank account through an authorised dealer bank.

Key features

PayPal checkout, invoicing and payment links for overseas buyers
Buyers can pay with a PayPal account or through PayPal guest checkout
Weekly Digital FIRA download from the business account
PayPal Seller Protection for eligible transactions

Pros

Buyer reach: PayPal states access to up to 400 million active accounts globally
Free FIRA: Weekly Digital FIRA is free to download since Feb 2026
Regulatory status: listed by RBI with in-principle PA-CB authorisation
Card acceptance: the user agreement covers payments made through PayPal guest checkout and card chargebacks, so buyers need not hold a PayPal balance

Cons

Cost: 4.40% + fixed fee plus a 3.0% conversion markup is high for large invoices
Transaction cap: export payments above USD 10,000 per transaction are a restricted activity under the India user agreement
Disputes: dispute fees of USD 8 (standard) or USD 16 (high volume) can apply, and fees are not returned on refunds
Holds: PayPal may hold funds for up to 180 days in risk or policy cases

Verdict: pays ₹8,69,840 on a $10,000 invoice; a weaker fit for exporters with invoices above USD 10,000 or those wanting low-cost bank transfers from clients.

4.Is PayU a good choice for Indian businesses?

Best for: Indian businesses taking international card payments on a website or checkout

PayU is an Indian payment gateway that lets merchants accept online payments through cards, UPI, net banking and wallets. For overseas customers, it accepts international credit and debit cards and PayPal at checkout, converts the amount to INR and settles to the merchant's Indian bank account. It is a checkout tool. It does not give users foreign bank account details for receiving bank transfers.

Key features

International card acceptance (Visa, Mastercard, American Express) and PayPal at checkout
Payments accepted in over 135 currencies, settled in INR
Standard T+2 settlement, with same-day or priority settlement for some business categories
3DS 2.0 and real-time fraud detection

Pros

Published base rate: the standard plan lists 3% for international transactions, plus 18% GST
No fixed costs: no setup, onboarding or annual fees on the standard plan
Fast settlement: T+2 business days to an Indian bank account
One checkout: domestic and international payments run through the same gateway

Cons

FX markup not published: PayU's terms name an inter-bank rate set by banks or card associations but do not state its margin over mid-market
No bank transfer receiving: there are no local USD, GBP or EUR account details for clients who pay by wire or ACH
Pricing on request and approval needed: the international payments page sends merchants to an account manager for detailed rates, and PayU's international card terms say the service is provided at PayU's discretion, subject to extra due diligence by PayU and its acquiring and nodal banks
FIRA not documented: PayU's public pages say nothing about FIRA or FIRC for international receipts

Verdict: full pricing not published; a weaker fit for freelancers whose clients pay by bank transfer, or users who need a published FX rate and FIRA.

5.Is Adyen a good choice for Indian businesses?

Best for: Large enterprises accepting card and UPI payments from Indian shoppers

Adyen is a Netherlands-headquartered payment platform for enterprise merchants. Its India page states it has operated in India since 2018 and holds RBI authorisations for domestic online payments and cross-border outward payments, which cover global brands collecting INR from Indian shoppers. It does not publish a product for Indian freelancers or exporters to receive foreign client payments into an Indian bank account.

Key features

Online acquiring of cards, UPI and local payment methods in India
Interchange++ pricing on Visa and Mastercard ($0.13 plus interchange plus 0.60%, indicative)
Multi-currency settlement to linked bank accounts (global feature)
No setup or monthly fees, per the pricing page

Pros

Pricing transparency: Interchange++ model with published indicative scheme markup
India presence: States local operations since 2018 and its own RBI authorisations
Payment methods: UPI, cards and local rails for Indian shoppers
Scale: Built for enterprise merchants with high volumes

Cons

Not for export receipts: Published RBI authorisation is PA-CB-Outward (Indian shoppers paying foreign merchants), not inward export collection
Enterprise focus: Minimum invoice depends on industry or business model; onboarding through sales
No individuals: No published route for Indian freelancers or individuals
Opaque totals: interchange varies per card, published fees are labelled indicative, and the FX management spread is set in the contract rather than published

Verdict: full pricing not published; a weaker fit for Indian freelancers and small exporters receiving bank transfers from foreign clients.

6.Is Cashfree Payments a good choice for Indian businesses?

Best for: Registered Indian businesses that want card checkout and foreign bank transfer collection in one gateway

Cashfree Payments is an Indian payment gateway run by Cashfree Payments India Private Limited. For money from abroad it offers an International Payment Gateway for foreign cards and PayPal, and Global Collections, which gives local and SWIFT account details abroad and settles the funds in INR to an Indian bank account. Both are aimed at registered Indian businesses rather than unregistered individuals.

Key features

Global Collections accounts with local details for ACH (US), SEPA (Europe), EFT (Canada), FPS (UK) and SWIFT
International card acceptance in 140+ currencies, with Pay Native dynamic currency conversion
Automatic conversion of foreign receipts to INR and settlement to an Indian bank account
e-FIRS issued through Cashfree's AD-1 bank partner

Pros

Regulatory status: listed by the RBI as an authorised PA-CB for inward and outward transactions
Published card rate: international card pricing of 2.99% (Visa, Mastercard) is stated in the help centre
Collection rails: local account details in the US, Europe, UK and Canada plus SWIFT
One account: domestic and international collections are managed from the same Cashfree dashboard

Cons

Pricing: current Global Collections fees are not published (request price), and the card FX conversion charge is not published
Eligibility: docs say you must be a registered business in India to accept international payments
Invoice cap: Global Collections is described for invoices of up to USD 10,000
Paperwork: the FAQs say e-FIRS is requested through a support form or the account manager, while the product page describes it as auto-generated

Verdict: full pricing not published; a weaker fit for unregistered individual freelancers who want published, fixed pricing for bank transfers.

7.Is Tazapay a good choice for Indian businesses?

Best for: Indian businesses collecting B2B or e-commerce payments from many countries, including through cards and local payment methods

Tazapay is a Singapore-based cross-border payments company offering a payment gateway, Global Collection Accounts (virtual bank accounts and stablecoin wallets) and payouts. Indian businesses can collect from overseas buyers by card, local payment methods or bank transfer into a collection account, then settle the balance to an Indian bank account. Onboarding is business-focused, with India-specific KYB documents such as GST, IEC and Udyam registration.

Key features

Global Collection Accounts with local bank details or SWIFT details in a chosen currency
Payment gateway with cards and alternative payment methods across 170+ countries
Multi-currency balance that can be held, converted, settled or used for payouts
Payment links, Shopify and WooCommerce plugins, and API

Pros

Payment method coverage: cards and local payment methods in many countries alongside bank transfer collections
Published settlement fees: Schedule A lists local currency settlement free above USD 1,000 and USD 5 below
India documentation: lists a USD 4 FIRC fee in its pricing page and Schedule A, and issues an NOC to support FIRA/FIRC requests
Licensing elsewhere: MAS Major Payment Institution licence in Singapore, plus FinCEN MSB registration and money transmitter licences in five US states, FINTRAC MSB registration in Canada, AUSTRAC registration in Australia and an MSO licence in Hong Kong

Cons

Collection account pricing: not published; set in a signed Pricing Addendum
FX markup: not published; conflicting wire settlement threshold (USD 10,000 in Schedule A, USD 100,000 in a help article)
Settlement cadence: weekly by default unless a custom cycle is agreed
Individuals: onboarding is built around business KYB; eligibility of Indian freelancers without a registered business is not confirmed

Verdict: full pricing not published; a weaker fit for individual freelancers wanting published, fixed bank-transfer pricing and FX rates.

How did we evaluate these platforms?

Landed cost: The INR that reaches an Indian bank after the fee, FX markup and GST on the fee, at the XE mid-market rate. This decides the order.
Compliance fit: Whether the platform issues FIRA or FIRC for each payment, as it states on its own website.
Reliability: Settlement time to India as the platform states it.
Transparency: Whether full pricing for Indian users is published. Platforms without it are listed after the ranked ones.

The full method is on the methodology page.

What compliance do Indian businesses need to handle?

FIRA or FIRC: Proof that export money arrived through banking channels, used for GST refunds and income tax records. See what a FIRA is.
e-BRC: DGFT's electronic realisation certificate, generated from bank data and used for export benefits. See FIRC vs FIRA vs e-BRC.
RBI PA-CB: RBI authorises payment aggregators for cross-border payments. Check RBI's published list before relying on a platform's claim.
Realisation period: Export proceeds must be realised within the period RBI sets. See the export realisation period.

How did we verify this?

Fees, FIRA terms and RBI status were checked on each platform's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026.

Razorpay MoneySaver Export Account (International Bank Transfers) pricing, Standard Plan: 0% FX markup, 1% fee, FlashLinks 2%, GST applicable, flat fee of INR 1,000 on transactions below INR 1,00,000, setup and AMC INR 0 (checked 6 Oct 2026)
Razorpay pricing, International cards and wallets up to 3% plus taxes; MoneySaver bank transfers (SWIFT, ACH, SEPA, FPS) 1% with zero forex markup; 'RBI PA-CB licensed'; 18% GST listed for the payment gateway service (checked 6 Oct 2026)
Razorpay Docs: International Bank Transfer (MoneySaver Export Account), Supported methods and SWIFT currency list, purpose codes, onboarding KYC, invoices not required for Amazon, Upwork and Freelancer transactions, FAQs on T+1 settlement, EEFC settlement, FIRS within 24 hours, no holding of funds, no refunds, 'Free FIRC' in savings example (checked 6 Oct 2026)
Razorpay Docs: FIRS Automated Process (checked 6 Oct 2026)
Razorpay Docs: International Payments FAQs, NGOs not supported for international payments (checked 6 Oct 2026)
RBI: Certificates of Authorisation under the PSS Act, 2007, Payment Aggregators, entry 10: Cashfree Payments India Private Limited, PA-CB- I & O (checked 6 Oct 2026)
Stripe India pricing, International cards with USD/other currency presentment 4.3% + 2% if currency conversion is required; Mastercard and Visa cards issued outside India 3% + 2%; American Express outside India 3.5% + 2%; dispute received INR 1,000.00 (checked 7 Oct 2026)
Accept international payments from India (Stripe docs), Stripe is available by invite only in India; the Stripe account must be a registered Indian business (sole proprietorship, limited liability partnership, or company) and can't be an individual; Stripe pays out to you in INR (checked 7 Oct 2026)
Additional pricing information for Indian cross-border sellers, Mainly international: 4.3% per successful charge; currency conversion additional 2% if required (checked 7 Oct 2026)
How can I open a Stripe account in India (checked 6 Oct 2026)
Supported payment methods, currencies and businesses for Stripe accounts in India (checked 6 Oct 2026)
FIRC for international transactions in India (checked 6 Oct 2026)
Payout schedule for Stripe accounts in India (checked 6 Oct 2026)
Payout currency for Stripe accounts in India (checked 6 Oct 2026)
GST and TDS on Stripe invoices for India-based accounts (checked 6 Oct 2026)
Export transaction limits for Stripe accounts in India (checked 6 Oct 2026)
RBI regulations: context and FAQs (checked 6 Oct 2026)
Localise prices: exchange rate (Stripe docs), When Stripe provides currency conversion services for transactions, we generally apply the mid-market rate based on pricing data sourced from third-party service providers. Mid-market rate is the average between the buy and the sell price of a currency. In certain circumstances, Stripe might apply the rate at which we source the currency owed to you. (checked 7 Oct 2026)
Taxes on Stripe fees for India-based businesses, either a single 18% tax line item (IGST) or a sum of two 9% tax line items (CGST & SGST). GST is not charged on Stripe processing fees for any single Cards transaction with a value up to INR 2,000. (checked 7 Oct 2026)
Stripe Docs: Supported currencies (India selected), Stripe users in the selected country can process charges in the following list of currencies, with these exceptions: Domestic charges can only be in INR; You can charge American Express cards issued outside of India only in INR and USD (checked 8 Oct 2026)
PayPal India Merchant Fees, Receiving international transactions; Currency Conversions (3.0% converting balance and payments received; 4.00% all other cases); Withdrawals Out of PayPal; Dispute Fees; Other Fees (Last Updated 28 March 2024) (checked 6 Oct 2026)
PayPal India User Agreement, About our main business (Export Payment Services); Opening an Account; Restricted Activities (USD 10,000); Holds (180 days); Dispute Fee (guest checkout); Taxes and Information Reporting (GST) (last updated 13 January 2025) (checked 6 Oct 2026)
PayPal India Foreign Inward Remittance Advise (FIRA) (checked 6 Oct 2026)
PayPal India Know Your Customer (KYC) (checked 6 Oct 2026)
PayPal India Business (checked 6 Oct 2026)
RBI: Status of Applications received under Payment and Settlement Systems Act, 2007 (as on 01.10.2026), Table D: Existing PAs-CB which can operate as Payment Aggregator- Cross Border (checked 6 Oct 2026)
PayU Pricing, 3% for Diners, American Express, EMI, International transactions; 18% GST applicable on all transactions; No set-up fee; standard settlement T+2; custom pricing slabs for higher volumes or enterprise needs, based on payment mode, industry type, risk profile, transaction volume, value-added features and processing requirements; no setup, onboarding or annual fees (checked 7 Oct 2026)
PayU International Payments, 135+ currencies; Visa, Mastercard, American Express and PayPal; INR conversion at transaction-date rate; T+2 business days; specific rates via account manager or care@payu.in; compliance with global standards (checked 7 Oct 2026)
PayU terms for international card processing and multicurrency payments, 1.2(e): the exchange rate used by PayU for all Authorised Currencies will be the inter-bank rate as decided by the respective banks or card associations and as shared by PayU with the Merchant by issuing the merchant payment report on every Business Day; non-Business Day transactions use the rate of the immediately preceding Business Day; 1.2(b): the International Card Processing Payment Mechanism and the Multicurrency Payment Feature shall be provided solely at PayU's discretion, subject to additional due diligence and criteria specified by PayU and/or Acquiring Banks and the Nodal Bank, who may withdraw approval at any time; 1.2(g): PayU may charge Customers a Currency Calculator Fee at a rate specified at the time of payment, upon the Customer consenting (checked 7 Oct 2026)
Adyen India, Established in India since 2018; RBI PA-Online and PA-CB-Outward authorisations (checked 7 Oct 2026)
Adyen pricing (India), Indicative fees: $0.13 fixed; Visa/Mastercard Interchange++ + 0.60%; Amex 3.95%; UPI defined by funding source; RuPay on request; minimum invoice depends on industry or business model; the fees outlined above are indicative; no monthly, set-up, integration or closure fees (checked 7 Oct 2026)
Adyen pricing (global), Fixed processing fee plus payment-method fee; no setup or monthly fees; minimum invoice depends on industry (checked 6 Oct 2026)
India expansion made easy, Accept online payments in INR from Indian shoppers with Adyen's own RBI licences (checked 6 Oct 2026)
Adyen Visa payment method (India), Visa: $0.13 + Interchange+ + 0.60%; no monthly fees, set-up fees, integration fees or closure fees; INR not listed among settlement currencies (checked 7 Oct 2026)
Adyen currency codes and FX management fee, Adyen applies a foreign currency exchange rate when a currency conversion takes place (FX reference rate) and charges an FX management fee, or spread, which by default differs based on the currency category; category one: AUD, CAD, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, USD, ZAR; category two: all other currencies; how this fee is calculated is included in your contract with Adyen (checked 7 Oct 2026)
What kind of tax is applied to my invoice? (Adyen), Adyen India: GST rate 18% if the merchant is in Maharashtra. Or CGST of 9% and SGST of 9% if the merchant is located outside Maharashtra (checked 7 Oct 2026)
Adyen Docs: Supported payout currencies, India (IN): settlement currency INR, funds held in India, local payout; certain currencies can only be paid out to a local bank account within a country or region where that currency is the official legal tender: BRL, INR, MYR, MXN, and AED; SWIFT payouts are not supported for these currencies (checked 7 Oct 2026)
Adyen Docs: Getting paid, Depending on the currencies and banks involved, it may take up to two days for the payout funds to arrive in your account; like-for-like (no currency conversion) settlement if the currency is also supported as a settlement currency by the payment method (checked 7 Oct 2026)
Cashfree Docs: Global Collections overview (checked 6 Oct 2026)
Cashfree Docs: Collection Accounts (checked 6 Oct 2026)
Cashfree Docs: Global Collections FAQs, invoice value up to USD 10,000; AD-1 partner issues eFIRS on T+1 (checked 7 Oct 2026)
Cashfree Docs: International Payment Gateway overview, T+2 settlement; no setup fees (checked 6 Oct 2026)
Cashfree Docs: Pay in Native Currency (checked 6 Oct 2026)
Cashfree Docs: Supported currencies (checked 6 Oct 2026)
Cashfree Docs: PayPal for International Payments (checked 6 Oct 2026)
Cashfree Help: Pricing FAQs, Accurate as of 10 August 2026: international cards Visa and Mastercard 2.99%, American Express 2.95%, in addition to any applicable GST; foreign exchange conversion charge on non-INR settlement (checked 7 Oct 2026)
Cashfree Help: Account Activation (checked 6 Oct 2026)
Cashfree Help: Settlements (checked 6 Oct 2026)
Cashfree: Payment gateway charges, International Cards platform fee; Global Collections 'Request Price'; cross border payments only for businesses; GST at 18% (festive offer terms) (checked 6 Oct 2026)
Cashfree Global Collections (international wire transfer), No subscription fees; No forex markup; e-FIRA within 1 day, auto-generated at no additional cost; invoice value up to USD 10,000; "no funds are allowed to be retained in such accounts"; credited "immediately on receipt of the confirmation from the importer and, in no case, later than seven days from the date of credit to the NOSTRO collection account" (checked 7 Oct 2026)
Cashfree blog: How to receive international business payments in India (1 August 2023), keeps the transaction costs within the range of 1% to 1.5% based on the volume of transactions (USD, CAD, EUR, AUD, GBP local rails) (checked 7 Oct 2026)
Cashfree blog: GST on international transactions (5 August 2026), payment gateways, and forex providers may charge 18% GST on their service fees (checked 7 Oct 2026)
Tazapay Pricing, Global Collection Accounts: *Contact sales; Global Cards 3.8% + USD 0.5; APMs 0.8%-2.5%; FIRC (India) USD 4; Custom tier: Volume-Based Discounts, Payment Method-Specific Rates, Customized FX (checked 7 Oct 2026)
Tazapay Schedule A - Fees and Assessments (last updated 1 May 2026), Global Collection Accounts Collection Fee: Subject to Pricing Addendum; Local Currency Settlement (< USD 1,000) USD 5; Wire Transfer Settlement (< USD 10,000) USD 35, (> USD 10,000) Free; FIRC for Indian Customers USD 4 (checked 7 Oct 2026)
Tazapay Licences, India - Reserve Bank of India (RBI) (checked 6 Oct 2026)
Tazapay Global Collection Accounts (checked 6 Oct 2026)
About Tazapay (checked 6 Oct 2026)
What is the fee for Tazapay's service? (checked 6 Oct 2026)
How much will it cost me to settle funds?, For wire transfers (USD/Foreign Currency), it's 35 USD per settlement if it's less than 100,000 USD; local currency 5 USD if less than 1,000 USD (checked 7 Oct 2026)
What FX rate is charged?, The exact FX rate will be transparently displayed before you confirm your transaction (checked 7 Oct 2026)
When will I receive my settlement? (checked 6 Oct 2026)
Payout options when receiving payment (checked 6 Oct 2026)
How long does it take to transfer into my bank account? (checked 6 Oct 2026)
How do I get an FIRA? (checked 6 Oct 2026)
Who issues the FIRA/FIRC? (checked 6 Oct 2026)
Is Tazapay licensed? (checked 6 Oct 2026)
KYB documents by country (checked 6 Oct 2026)
KYC/KYB documents required (checked 6 Oct 2026)
What currencies does Tazapay support? (checked 6 Oct 2026)
Is there a daily transaction limit? (checked 6 Oct 2026)
Is there a per transaction limit? (checked 6 Oct 2026)
What is a collection account on Tazapay? (checked 6 Oct 2026)
How long does it take to get a virtual account approved? (checked 6 Oct 2026)

Frequently asked questions

What is the best option for indian businesses right now?

On a $10,000 invoice, Razorpay pays the most among the payment gateways for international payments compared, about ₹9,34,967 at today's reference rate. The right choice depends on invoice size and how your clients pay. Check the platform's own pricing page before relying on these figures.

How are these payment gateways for international payments ranked?

Each platform's published fee, FX markup and GST on the fee are applied to the XE mid-market rate, and platforms are ordered by the INR that reaches an Indian bank on a $10,000 invoice. No platform is placed by hand.

Which of these payment gateways for international payments give a FIRA for every payment?

FIRA terms differ by platform. Each platform's profile on this page shows what it states about FIRA or FIRC. A FIRA is used as proof of export for GST refunds and income tax records, so confirm it is issued for every payment.

Do I need an RBI-authorised platform to receive export payments?

Export proceeds must come in through banking channels, and RBI authorises payment aggregators for cross-border payments. Each platform's RBI status is listed as the platform or RBI states it. Check RBI's published list before relying on any platform's own claim.

Is a bank wire cheaper than these payment gateways for international payments?

A bank wire often carries an intermediary charge, a receiving bank fee and a wider conversion margin than the mid-market rate. Compare the INR your bank actually credits on a past payment with the INR table on this page to see the difference for your invoices.

Can I use more than one platform at the same time?

Yes. Many exporters use one platform for large invoices and another for small or card payments. Each platform issues its own FIRA or FIRC records, so keep them together for GST and income tax filing and reconcile them with your invoices.

How often is this ranking updated?

The ranking recalculates whenever the reference rate changes, and platform fees are re-checked when a pricing change is found or reported. The page shows the date fees were checked, currently 30 Sept 2026, and the date of the reference rate used.