I'm shipping D2C orders internationally, how do I actually receive payments from customers outside India?
Razorpay holds an RBI PA-CB (cross-border) licence and can take international cards plus UPI/domestic rails through one integration, with automated eFIRC generation and roughly T+2/T+3 INR settlement, the least fragmented option if you already run Razorpay domestically. Payoneer and Wise are the go-to for freelancer/marketplace-style payouts and multi-currency holding at lower fees than PayPal, which remains the most recognisable to foreign buyers but is often the costliest option. Whatever you pick, get FIRA/FIRC documentation sorted from day one, it's what GST and RBI compliance (and your bank) will ask for, and retrofitting it later is painful.
Go deeper
3 resources, 3 India-specific, 3 link-checked.
🛠️ Tool
✓ Link checkedIndiaPaidIntermediate
Razorpay's cross-border product page is the clearest place to see what an India-licensed PA-CB gateway actually offers an exporter, multi-currency acceptance, automated eFIRC, direct INR settlement, in one integration instead of stitching together a card gateway plus a separate FIRC process.
Payoneer's own India-specific guide, useful because it's the go-to for exporters and marketplace sellers who want multi-currency holding and lower fees than PayPal without setting up a full merchant gateway.
A head-to-head comparison of every major cross-border option, not just Payoneer, with fees called out explicitly, read this before defaulting to PayPal just because your customers recognise the name.
