Stripe vs Adyen (2026): Which Is Better for Receiving International Payments in India?

Each row applies the platform's published fee, FX markup and GST on the fee to the XE mid-market rate for 3 Nov 2026.

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.

• Regulated by: Not confirmed
• Used by: Sole proprietorships, LLPs and companies in India can accept international card payments after opting in to exports, by invite only. An IEC is required for physical goods and for Amex international payments; optional for services otherwise.
• Best for: Registered Indian businesses selling online to foreign customers who pay by card

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.

• Regulated by: States it holds RBI authorisations for domestic (PA-Online) and cross-border outward (PA-CB-Outward) payments; not independently confirmed on an RBI list
• Used by: Indian businesses can use Adyen for domestic online acquiring (PA-Online, as stated by Adyen); use for receiving export payments from foreign clients is not confirmed
• Best for: Large enterprises accepting card and UPI payments from Indian shoppers

• Stripe: Daily automatic payouts in INR include international card payments processed five business days prior
• Adyen: Adyen's docs list INR as the settlement currency for its India acquiring connection, paid out locally to a bank account in India, and say payouts can take up to two days to arrive depending on the currencies and banks involved; no timeline for export receipts is published

• Choose Stripe if: you need registered Indian businesses selling online to foreign customers who pay by card.
• Choose Adyen if: you need large enterprises accepting card and UPI payments from Indian shoppers.

For example, an exporter billing $5,000 a month: Adyen does not publish full pricing; Stripe does.

Other covered platforms ranked by the INR received on a $5,000 invoice.

Fees, FIRA terms and RBI status were checked on each platform's own pages and RBI sources on 30 Sept 2026. INR figures use the XE mid-market rate for 3 Nov 2026. The formula is on the methodology page.

1. 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)
2. 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)
3. 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)
4. How can I open a Stripe account in India (checked 6 Oct 2026)
5. Supported payment methods, currencies and businesses for Stripe accounts in India (checked 6 Oct 2026)
6. FIRC for international transactions in India (checked 6 Oct 2026)
7. Payout schedule for Stripe accounts in India (checked 6 Oct 2026)
8. Payout currency for Stripe accounts in India (checked 6 Oct 2026)
9. GST and TDS on Stripe invoices for India-based accounts (checked 6 Oct 2026)
10. Export transaction limits for Stripe accounts in India (checked 6 Oct 2026)
11. RBI regulations: context and FAQs (checked 6 Oct 2026)
12. 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)
13. 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)
14. 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)
15. Adyen India, Established in India since 2018; RBI PA-Online and PA-CB-Outward authorisations (checked 7 Oct 2026)
16. 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)
17. Adyen pricing (global), Fixed processing fee plus payment-method fee; no setup or monthly fees; minimum invoice depends on industry (checked 6 Oct 2026)
18. India expansion made easy, Accept online payments in INR from Indian shoppers with Adyen's own RBI licences (checked 6 Oct 2026)
19. 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)
20. 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)
21. 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)
22. 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)
23. 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)