India's full-stack cross-border
payments infrastructure -
built for every flow.

PayGlocal is India's RBI-authorised, end-to-end cross-border payments infrastructure, built for D2C brands, exporters, edtech and SaaS companies, travel platforms, freelancers and enterprises that move money across borders. Its International Payment Gateway accepts payments at up to 96% success rate, and its Multi-Currency Account collects via local bank rails in USD, GBP, EUR, CAD, AUD and 33+ currencies globally - without SWIFT transfers. PayGlocal handles every inward and outward international flow, plus domestic payments, on one RBI-authorised stack, with FIRA/FIRC generated automatically on every settlement.

Yes. PayGlocal is one of the few RBI-authorized platforms that handles domestic payments, cross-border inward payments, and cross-border outward payments on the same stack. Most payment platforms are built for one or the other - domestic-first platforms with international bolted on, or cross-border specialists without domestic capability. PayGlocal was built cross-border-first from day one - the only domestic and international payment platform in India where cross-border and domestic flows run on one RBI-authorised stack.

PayGlocal supports a comprehensive range of international and domestic payment methods. International: Visa, Mastercard, American Express, Apple Pay, and 100+ local and alternate payment methods across global markets. Domestic: UPI, cards, net banking, and wallets - the full domestic payment stack. Collection methods: Payment gateway, multi-currency accounts, WhatsApp payment links via Echo, recurring payments with standing instructions on international cards, and hosted payment pages.

PayGlocal supports international payment collection from 180+ countries in 120+ currencies. Local currency accounts are available in USD, GBP, EUR, CAD, and AUD, allowing businesses to collect via local bank rails in these currencies without expensive SWIFT transfers. Settlements are made directly into the merchant's Indian bank account in INR at live interbank FX rates, with no FX markup and no hidden charges. FIRA is auto-generated on every payment for goods exporters, and FIRC is auto-generated for service exporters and freelancers.

PayGlocal delivers up to 96% payment success rate (PSR) on international card transactions, against an industry average of 75-80% in India. That means significantly fewer failed transactions, fewer abandoned checkouts, and more revenue reaching the merchant. The performance is driven by intelligent payment routing, issuer-level optimisation, real-time fraud scoring and localised checkout working together on every transaction.

PayGlocal improves international payment approval rates through four mechanisms working simultaneously. Intelligent routing: Dynamic orchestration identifies the highest-performing acquiring path for every cross-border transaction in real time, continuously adapting to issuer, network, and acquirer performance signals. Issuer-level logic: PayGlocal applies issuer-specific rules that reduce soft declines at the source - the most common cause of international payment failures. Localized checkout: Checkout that presents in the customer's currency and language reduces friction and ensures the card network recognizes the transaction. Real-time fraud scoring: ML-based scoring separates bad actors from legitimate customers, ensuring genuine transactions are not incorrectly blocked.

International payment failures in India are rarely random. The three most common causes are: Wrong acquiring path - the transaction is routed through an acquiring bank that has a poor relationship with the customer's issuing bank, resulting in a decline. Checkout the card network doesn't recognise - a checkout that doesn't present correctly in the customer's currency or geography triggers a soft decline from the card network. Fraud signals on legitimate transactions - overly aggressive fraud rules block genuine customers, reducing approval rates and damaging customer experience. PayGlocal's infrastructure addresses all three through intelligent routing, localised checkout, and a fraud engine calibrated to block threats without blocking customers.

Yes. PayGlocal holds two RBI authorisations, Certificate No. 250/2025. PA-CB-I&O: Payment Aggregator Cross-Border, Inward and Outward - authorizes PayGlocal to process cross-border payments in both directions, collecting international payments into India and sending outward remittances from India. PA-O: Online Payment Aggregator - authorizes PayGlocal to process domestic online payments. PayGlocal is one of a small number of platforms in India holding both licences simultaneously, making it the only platform where cross-border inward, cross-border outward, and domestic payments run on a single fully RBI-authorized stack.

FIRC (Foreign Inward Remittance Certificate) and FIRA (Foreign Inward Remittance Advice) are documents that prove foreign currency entered India legitimately through a banking channel. Indian businesses and freelancers need them to claim GST refunds on service exports, evidence foreign income for tax filings, and demonstrate FEMA compliance. Traditionally, obtaining these documents meant requesting them from your bank - a process that could take three or more days per remittance. PayGlocal generates the correct document automatically on every inward remittance - zero manual steps, zero delays.

Yes. Every cross-border transaction processed through PayGlocal is fully compliant with the Foreign Exchange Management Act (FEMA). PayGlocal's RBI authorisation, PA-CB-I&O and PA-O, requires adherence to FEMA regulations as a condition of the licence. This means every inward and outward remittance processed through PayGlocal is handled within the regulatory framework set by the RBI and FEMA, with full documentation, purpose code compliance, and audit trail maintained automatically.

Most developers go from first API call to live international transactions within hours. PayGlocal's REST API ships with clear documentation, a sandbox that mirrors production, and a dedicated integration team available from first call to go-live. Teams on Shopify, WooCommerce or Magento can use pre-built plugins, and freelancers and non-technical teams can use payment links and hosted pages with no integration at all.