UPI for Global Merchants

Pay10 gives global merchants direct access to India's most powerful payment rail, UPI. Accept payments from Indian customers in INR and receive settlements in your preferred foreign currency. Fully RBI licensed. Fully FEMA compliant. Multiple Integration Options.

RBI LicensedFEMA CompliantAD Bank RoutedKYC / AML HandledPCI-DSS

Accept UPI Payments from India: Everything You Need to Know

Pay10's cross-border import infrastructure is purpose-built for global merchants. Here's what you get out of the box:

UPI Collect & Intent Flows

Support both UPI Collect (push notifications to the customer's UPI app) and UPI Intent (deep-link launch of the customer's preferred UPI app). Maximum compatibility across Google Pay, PhonePe, Paytm, BHIM and all UPI-enabled apps.

Foreign Currency Settlement

Receive your settlements in USD, EUR, GBP, SGD, AED, and all other permitted international currencies directly to your global bank account. No Indian account needed.

Transparent FX Conversion

Pay10 exposes exchange rate information through its FX API for merchant reference. The applicable settlement rate is determined as per the terms of your merchant agreement.

FEMA & RBI Compliant

Every transaction is routed through Pay10's Authorized Dealer (AD) Bank corridor, fully compliant with RBI guidelines and FEMA regulations for cross-border import payments.

Standardised KYC & Merchant Onboarding

Fully digital KYC and onboarding process. No physical presence, no India visits. Submit your company documentation once and get approved.

Real-Time Transaction Tracking

Monitor every payment, settlement, and FX conversion in real time via the Pay10 merchant dashboard. Full visibility from INR collection to foreign currency receipt.

KYC / AML & Compliance Handling

Pay10 handles KYC, AML checks, GST, and customs documentation requirements, so your team doesn't have to navigate India's regulatory landscape alone

Transaction Details & Limits

Pay10 operates within clearly defined parameters for cross-border UPI payments, ensuring compliance, predictability, and transparency for every merchant:

FX Rate

Real-Time via FX API

Countries Supported

All Permitted Countries

Currencies Accepted

All Permitted Currencies

Daily / Monthly Limits

Calibrated Post Go-Live

All transaction limits are defined in compliance with RBI and FEMA guidelines for cross-border import payments. Limits are reviewed and calibrated post-go-live based on actual transaction data.

Built on Licensed Indian Payment Infrastructure

Every payment processed through Pay10's cross-border UPI infrastructure is compliant by design, not as an afterthought. Here's what's covered:

RBI Licensed

Pay10 operates as an RBI-regulated payment platform. All cross-border payment flows are authorized under applicable RBI guidelines for Payment Aggregators, Cross-Border (PA-CB).

FEMA Compliant

Every transaction is processed in full adherence to the Foreign Exchange Management Act (FEMA), ensuring lawful movement of funds across borders.

AD Bank Routed

All payments are routed through Pay10's Authorized Dealer (AD) bank corridor, a mandatory requirement under RBI's cross-border payment framework.

KYC / AML Handled

Know Your Customer (KYC) verification and Anti-Money Laundering (AML) screening are built into Pay10's onboarding and transaction monitoring processes.

Pay10 handles the full regulatory layer, so your team focuses on selling, not on compliance filings.

How It Works

From onboarding to settlement, Pay10's end-to-end cross-border UPI infrastructure works in 6 steps:

Apply & Submit Your KYC Documents

Submit your company details and business documentation to Pay10. Our compliance team personally guides you through the onboarding process, helping you navigate

Complete Digital KYC Onboarding

Verify your business identity fully online. Pay10's standardized KYC process covers all AML and FEMA requirements. Once approved, you're ready to integrate.

Integrate Pay10 into Your Platform

Go live via API integration, S2S, PG-hosted checkout, or payment links, whichever tech stack fits your need. Clear documentation and a dedicated integration support team are available throughout.

Indian Customers Pay via UPI

Your Indian customers see UPI at checkout, Google Pay, PhonePe, Paytm, BHIM, and all UPI apps. They pay in INR. The experience is native, instant, and trusted.

Pay10 Handles FX & Compliance

Pay10 routes the payment through its RBI-regulated AD Bank corridor. FX conversion is facilitated through Pay10's FX vendor, with rates applicable at the time of settlement per your merchant agreement terms. Compliance documentation including GST and customs is managed end-to-end.

You Receive Settlement in Your Currency

Funds are settled to your international bank account in your preferred foreign currency: USD, EUR, GBP, SGD, AED, or all permitted currencies.

Flexible Integration - Built for Your Stack

Pay10 offers four integration paths so you can connect in the way that fits your platform, your team, and your timeline:

API Integration

Full programmatic control over your payment flow. Ideal for custom-built checkouts and complex payment architectures. REST API with comprehensive documentation.

S2S (Server-to-Server)

Direct server communication for maximum control and security. Best for platforms handling high transaction volumes with strict latency requirements.

PG-Hosted Checkout

A ready-to-use, Pay10-hosted payment page with UPI pre-integrated. Go live without any frontend development. Fully optimized for UPI conversion.

Payment Links

Generate shareable payment links instantly, no integration, no coding. Perfect for service businesses, invoicing, and merchants who want to go live immediately.

All integration options come with dedicated technical support, sandbox testing environments, and clear documentation.