Merchants outside India, who are willing to serve Indian consumers without establishment entities in India can opt-in. The settlement will be done directly by PayU through AD banks in the merchant’s native currency. The payment methods supported for cross-border payments are cards, Net Banking and UPI.

PayU Cross-Border Payments – Import Integration facilitates overseas sellers to collect payments from buyers in India and transfer the funds to the overseas seller:

  • In their native currency
  • With lesser settlement time

This is as per the RBI guideline - RBI/2015-16/185 A.P. (DIR Series) Circular No.16



RBI monitors cross-border payments with the support of AD banks. Hence, there are guidelines to be followed by AD Bank and PayU.


The advantages for the overseas merchant include: 

  • International merchants are looking at simplified market entry into India. They want partners who can eliminate operational complexities by operating through local merchants of record with knowledge of the Indian market. 
  • Merchants are looking to tap the Indian eCommerce market by offering them the majority of the local payment methods like Net Banking, Rupay cards, and local card processing with higher transaction success rates. 

Merchants cannot sell products for more than $2000 per transaction. To handle forex adjustments, banks have recommended to keep this upper limit to $1900. 

  • Every transaction must be accompanied by a copy of the (digital) invoice. 
  • Every transaction must be accompanied by a copy of the AWB once the product(s) has been shipped. 

The customers or end-users will be able to pay using their Indian debit cards and Net Banking on merchant’s websites, which was till now accepted only foreign transactions enabled credit cards.


  • The amount can be settled early to merchants, that is, within T+2 days.
  • Reconciliation and settlement queries can be directly raised to PayU.
  • Overseas merchants can easily offer services to Indian consumers.

To get started with integration, refer to Steps to Integrate - Cross-Border Payments Import.