Sources: Reserve Bank of India, NPCI and provider disclosures, 2024–2025.
How India pays
India pays by UPI. The Unified Payments Interface, run by NPCI, lets anyone pay from their bank account through apps such as PhonePe, Google Pay and Paytm, by scanning a QR code or approving a request on their phone. Cards still matter for higher-value and international orders, including RuPay, the domestic scheme, alongside Visa and Mastercard, with net banking as a familiar fallback.
The Reserve Bank of India sets strict rules for card-not-present payments: domestic card transactions need an additional factor of authentication, merchants may not store card numbers and must use tokenization instead, and recurring payments run on registered e-mandates. For an enterprise merchant, the value is getting those rules right while protecting approvals: authentication handled for you, routing across acquirers, and cards, wallets and local methods behind one integration, collected in rupees.
Why merchants run on us here
UPI at the center
UPI lets shoppers pay from any bank account through apps such as PhonePe, Google Pay and Paytm, by QR, intent or collect request.
Cards under RBI rules
Domestic card payments need an additional factor of authentication, and stored cards must be tokenized rather than kept on file.
RuPay and net banking
RuPay cards sit beside Visa and Mastercard, and net banking remains a familiar fallback for higher-value orders.
One integration, rupee collection
Cards, wallets and local methods behind one integration, in rupees, with routing across acquirers and 3DS where it applies.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in India
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat India like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in India through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Indian rupee (INR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in India?
Talk to our payments team about going live in India — coverage, local acquiring, settlement and timelines for your business.