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For Indian businesses taking card payments from customers abroad, Cashfree, Razorpay and PayU are three providers to compare first. Their India-facing product pages describe international-card acceptance, but features, published prices and settlement details differ—and account approval is not guaranteed. Treat advertised terms as a starting point: confirm eligibility, fees, currency conversion and settlement for your own business before choosing.
Which payment gateways should Indian businesses compare?
These options address the export-side flow: an India-based business collecting payment from customers overseas. They are not comparisons of services for an overseas merchant accepting payments from Indian buyers.
| Provider | International-card coverage and published price | Settlement and capabilities described | What to verify |
|---|---|---|---|
| Cashfree Payments | Its page describes Visa, Mastercard, American Express and Maestro acceptance, and says Indian businesses selling goods, digital products or services abroad can use the international gateway. Cashfree lists 140+ currencies, a 2.99% standard rate and a 2.69% anniversary offer. The page does not state the offer’s end date. Cashfree international payment gateway | Cashfree says INR settlement is typically T+2 business days. Listed capabilities include Apple Pay, PayPal checkout, local bank transfers through multi-currency accounts, recurring payments and FIRS for every international payment. Cashfree product details | Confirm that your business qualifies, whether the anniversary rate still applies, and the complete fee and FX terms. Conversion and cost-savings claims on the page are marketing claims, not guaranteed outcomes. |
| Razorpay | Its India-facing page describes international card payments and advertises pricing up to 3%. It does not establish a complete currencies or countries list in the reviewed material. Razorpay international payment gateway | Listed features include Apple Pay, payment links and pages, subscriptions, Shopify and Magento plugins, APIs, webhooks and a sandbox. The reviewed page does not state an equally clear settlement window. Razorpay product details | Ask for your actual rate and settlement schedule, plus supported buyer markets and currencies. Razorpay’s claim of up to 10% higher success rates from routing and retry features is a provider marketing claim, not an independently verified result for every merchant. |
| PayU | PayU says it supports major international credit and debit cards, including Visa, Mastercard and American Express, and 135+ currencies. The reviewed page does not publish a numeric international-card rate. PayU international payments | PayU says international payments are converted to INR and typically settled in T+2 business days. The page also describes PayPal wallet payments and 3DS 2.0/fraud detection. PayU product details | Request a written quote that itemizes the effective rate and currency-conversion treatment. |
The currency counts, rates and settlement windows above are providers’ own product-page claims, checked on October 4, 2026; the pages do not establish independent comparative performance. A count of currencies alone also does not show whether your target countries, card mix and checkout currencies are supported.
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How do you choose the right gateway?
Compare the whole payment flow, not just the headline percentage. Request current written terms and confirmation that your legal entity and business category are eligible.
Quick Recap
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Square Reader for magstripe (with Lightning connector)
- Pay one transparent rate per swipe for Visa, Mastercard, Discover and American Express.
- Works in conjunction with most downloadable Square point-of-sale apps on your device. Customers can pay, tip and sign directly on your device. Track payments in cash, gift cards and more. Also lets you send receipts via e-mail or text message, makes it easy to apply discounts, keeps a data and sales history log and more.
- Accepts magstripe credit card payments, including those from Visa, Mastercard, Discover and American Express (fees apply).
- App sends deposits to your bank account within 1 to 2 business days, or enjoy instant deposits (fees apply).
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ETEKJOY USB 3-Track Magnetic Stripe Card Reader POS Credit Card Reader Swiper MagStripe Swipe Card Reader ET-MSR90
- USB interface, keyboard emulation, no need to install software to read, configuration software for changing settings available.
- Read data from all 3 tracks, high and low coercivity cards, ISO7811, AAMVA, CA DMV and most magnetic card data formats.
- Work on Windows, Mac and other USB capable systems. Work with TXT, notepad, Word, Excel, POS systems and son on.
- Compact size, with 145cm USB cord, two 3mm-diameter screw holes for fixing at the bottom, a LED indicator light
- Perfect for POS, Banking, Loyalty, Access Control, ID verification and other applications.
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Square Reader for magstripe (USB-C)
- Get your money as soon as the next business day.
- Get set up quickly with no long-term commitments. Download the Square Point of Sale app for free, create an account, and start taking payments anywhere.
- Run your business all in one place with the free Square Point of Sale app. Track your sales, manage inventory, accept tips, send receipts digitally, and more.
- Works with Apple devices with a Lightning connector.
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Square Terminal - Credit Card Machine to Accept All Payments | Mobile POS
- With Square Terminal, you can ring up sales, accept payments, and print receipts, all with one device. Use it at the counter or ring up customers anywhere in your store.
- Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
- Process chip cards in just two seconds.
- Get your money as soon as the next business day.
- Use it cordlessly with the built-in battery, designed to last all day.
- Effective cost: Ask for the gateway fee, applicable taxes, FX conversion or markup, refund and chargeback charges, and any setup or account fees. Published rates are not directly comparable: Cashfree lists standard and promotional percentages, Razorpay says “up to 3%,” and PayU directs merchants to its account team for international pricing.
- Markets and currencies: Give the provider the countries where customers will pay, the currencies you want to display or accept, and the card brands they use. Confirm availability for that exact mix.
- Settlement and records: Confirm the settlement currency, expected timing for your account, deductions and the remittance documentation you will receive. Cashfree and PayU publish typical T+2 business-day INR settlement; Razorpay’s reviewed page does not give a comparable window.
- Checkout and billing: Match the provider’s integrations to your sales channel. Check whether you need hosted payment links, an embedded checkout, ecommerce-platform plugins, APIs or recurring billing.
- Risk and disputes: Ask what fraud controls, authentication options and dispute tools are available, and what fees or evidence requirements apply when a payment is challenged.
- Onboarding: Get confirmation of activation steps, verification documents, prohibited categories and any account-specific restrictions before building around a gateway.
What should you confirm before going live?
- Describe your business, products or services, legal entity and expected customer locations to each provider; ask for written eligibility and activation confirmation.
- Request a current written quote for international card payments, itemizing the transaction rate, taxes, FX treatment, refunds, chargebacks and any other account charges.
- Confirm supported buyer countries, card brands and checkout currencies for your actual customers, rather than relying only on a headline currency count.
- Ask for the expected INR settlement schedule and the remittance document supplied for each international payment.
- Test the intended checkout, billing model and ecommerce integrations in the provider’s available test environment before launch.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
