Market guide · Asia-Pacific
Selling in India
UPI handles the majority of digital payments in India and shoppers expect to pay with it directly. Cash on delivery is still common for first orders with an unfamiliar seller.
| Currency | Indian rupee (INR) |
|---|---|
| Languages | Hindi, English |
| Region | Asia-Pacific |
| Local acquiring | Cross-border for now |
| Settlement | T+2 |
| Payout rail | UPI / IMPS · Seconds, 24/7 |
| Import consumption tax | GST (IGST) · 18% |
Popular payment methods
Share of online payments by method. Illustrative figures.
| UPI | 60% (60% of online payments) |
|---|---|
| Visa, Mastercard, Amex | 25% (25% of online payments) |
| Google Pay | 5% (5% of online payments) |
How to launch in India
- 1Open a sandbox accountTest every flow for India with test cards and methods before you sign anything.
- 2Turn on local methodsStart with UPI, Google Pay.
- 3Process cross-borderWe process India cross-border today. Smart routing still retries soft declines.
- 4Settle in your home currencyPayments convert at a published margin before settlement.
- 5Show duty-inclusive pricesQuote GST (IGST) and duties at checkout so nothing is due on delivery.
- 6Go liveVerify your business, switch your keys and watch the first orders arrive.
Duties and import tax
GST (IGST) at 18% applies to most imported goods.
Thresholds: Courier imports are dutiable; no general duty-free threshold
Regulatory notes
- Reserve Bank of India rules require an e-mandate with extra authentication for recurring card and UPI payments.
- Card details cannot be stored by merchants; saved cards rely on network tokens.
- Foreign exchange rules govern how cross-border payments are settled.
Placeholder notes for the prototype, not legal advice.
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