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.
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 documents. Pay10’s compliance team guides you through onboarding.
Complete Digital KYC Onboarding
Verify your business online through Pay10’s KYC process covering AML and FEMA requirements.
Integrate Pay10
Go live via API, S2S, hosted checkout, or payment links with clear documentation and integration support.
Indian Customers Pay via UPI
Indian customers can pay in INR using UPI apps like Google Pay, PhonePe, Paytm, and BHIM.
Pay10 Handles FX & Compliance
Pay10 handles RBI-regulated routing, FX conversion, and GST & customs compliance end-to-end.
Receive Settlement in Your Currency
Receive settlements in USD, EUR, GBP, SGD, AED, and other 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.
Frequently Asked Questions
Everything global merchants want to know about accepting UPI payments from India via Pay10:
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