Settle Globally in Preferred Currency
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.
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.
How It Works
From onboarding to settlement, here's exactly how Pay10 powers your collections from India:
Request Cross-Border Access
Submit your business details and apply for cross-border payment access via the Pay10 portal or by contacting our team.
Complete KYC Onboarding
Submit your company KYC documents digitally. Our team reviews and approves swiftly.
Integrate Pay10 Payment Gateway
Go live via API, S2S, PG-hosted checkout, or payment links, whichever fits your platform. Clear documentation and dedicated integration support provided.
Indian Customers Pay
Your Indian customers pay in INR at checkout. The experience is native, trusted, and frictionless.
Pay10 Handles FX & Compliance
Pay10 routes the payment through its RBI-regulated AD bank corridor. FX conversion happens at real-time rates with full transparency.
You Receive Settlement in Your Currency
Funds are settled to your international bank account in your preferred foreign currency: USD, EUR, GBP, SGD, AED, and more.
Flexible Integration - Built for Your Stack
Pay10 offers multiple ways to integrate, so you can go live in the way that works best for your platform:
API Integration
Full programmatic control. Ideal for custom checkouts and complex payment flows.
Server-to-Server (S2S)
Direct server communication for maximum security and control over the payment experience.
PG-Hosted Checkout
A ready-to-use, Pay10-hosted payment page. No frontend development required.
Payment Links
Generate and share payment links instantly, no integration or coding needed. Perfect for quick onboarding.
Frequently Asked Questions
Got questions about collecting payments from India? We've answered the most common ones below.
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