List of International Payment Gateway

Expanding online means expanding across borders and to do that successfully, you need a way to accept payments from anywhere in the world. That’s where international payment gateways come in.

What Is an International Payment Gateway?

An international payment gateway securely authorizes and processes online payments made by customers using global cards, wallets, or banking methods. It connects your website or app to banks and payment networks, ensuring funds move safely between your customer and your business no matter the currency or country.

For example, a customer in the United Kingdom might purchase a product from an Indian eCommerce store using their international Mastercard in GBP. The international payment gateway routes the transaction through global banking networks and settles the payment to the merchant in INR, without requiring direct currency conversion or additional setup by the business.

Why Do Businesses Need One?

For online businesses, the payment gateway is not just a technical layer, it’s a revenue enabler. Here’s why it matters:

• Sell globally: Accept payments from international customers with local methods and currencies.
• Simplify operations: Automatically handle conversions, settlements, and compliance.
• Build trust: PCI DSS compliant systems protect customer data and reduce fraud.
• Improve conversions: A familiar, friction-free checkout keeps buyers from dropping off.

List of Top International Payment Gateways

1. PhonePe Payment Gateway

PhonePe PG stands out as one of the most reliable and future-ready options for both domestic and international transactions. It supports major global card networks like Visa, Mastercard, and Amex, allowing eligible merchants to accept international cards in INR once the feature is enabled during onboarding. No separate API integration is required the existing setup can be configured to handle such transactions after activation.

Currently, PhonePe PG supports Non-DCC transactions, meaning international customers are charged directly in INR. This ensures transparent pricing and simpler reconciliation while reducing payment failures. Its real-time card validation helps identify eligible international cards, improving success rates.

With a consistent, embedded checkout experience, PCI DSS compliant infrastructure, and detailed reconciliation reports, PhonePe PG is well-suited for Indian eCommerce and SaaS businesses expanding globally. For merchants seeking to reach international buyers while keeping operations simple and cost-efficient, PhonePe offers a secure bridge between local reliability and cross-border reach.

2. Razorpay

Razorpay enables Indian businesses to accept international payments in over 100 currencies, including USD, EUR, and GBP. Merchants can accept international cards and select global wallets after activating the feature from their dashboard. Its unified platform allows easy management of domestic and international transactions, with tools for settlements, refunds, and FX reporting.

Features like Smart Collect, Instant Activation, and strong API documentation make Razorpay a popular choice among startups and SMEs looking to expand overseas.

3. Cashfree Payments

Cashfree Payments supports international card acceptance and multi-currency processing, helping Indian merchants collect payments from customers worldwide. Customers can pay using global cards like Visa, Mastercard, or Amex, and merchants typically receive settlements in INR. Cashfree also supports 140+ currencies through its international payment gateway.

Its features Auto Collect, real-time settlement, and a transparent fee structure make it a practical choice for exporters, SaaS platforms, and D2C brands.

4. Stripe

Stripe is a global payments leader known for its developer-first APIs and support for 135+ currencies. It allows businesses to build custom checkout flows, manage subscriptions, and operate global marketplaces with localized payment options. Stripe’s Radar tool provides advanced fraud protection, and its billing suite automates recurring payments.

While full Stripe accounts aren’t yet available to all Indian merchants, Stripe India supports international transactions where enabled, making it a strong fit for SaaS and export-oriented businesses.

5. Paypal

PayPal remains one of the most recognized and widely accepted payment systems globally, available in 200+ countries for buyers and sellers. Indian merchants can receive international payments via PayPal in major currencies such as USD and EUR, with automatic conversion to INR for settlement.

For larger or API-driven businesses, Braintree (a PayPal service) provides advanced capabilities like recurring billing, marketplace management, and flexible integration options.

Conclusion

The right international payment gateway depends on where your customers are and how you want to scale. For Indian businesses aiming to go global, PhonePe Payment Gateway stands out as the most effortless way to start.

With instant international card acceptance, Non-DCC support for INR transactions, and real-time validation built right into your existing checkout, it helps you unlock global revenue without extra setup or friction. Whether you’re an eCommerce brand, SaaS business, or marketplace, PhonePe PG makes expanding internationally as smooth as accepting payments at home.