{"id":23137,"date":"2025-06-19T17:09:35","date_gmt":"2025-06-19T11:39:35","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23137"},"modified":"2026-01-05T13:51:25","modified_gmt":"2026-01-05T08:21:25","slug":"cross-border-payments-guide","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/","title":{"rendered":"Cross-Border Payments: Everything You Need to Know in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In our increasingly connected world, businesses and individuals are no longer limited by geographical boundaries.\u00a0 Whether you&#8217;re an <a href=\"https:\/\/razorpay.com\/blog\/money-saver-export-account\/\">Indian exporter selling to global customers,<\/a> <a href=\"https:\/\/razorpay.com\/blog\/what-is-razorpays-import-stack-everything-you-need-to-know\/\">an importer paying overseas suppliers<\/a>, or an <a href=\"https:\/\/razorpay.com\/blog\/business-banking\/guide-to-remittance\/\">individual sending money to family abroad,<\/a> you&#8217;re participating in the global economy. This seamless interaction is powered by cross-border payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide will explain everything you need to know about cross-border payments, from the basic mechanics to the latest trends, helping you navigate the complexities of <a href=\"https:\/\/razorpay.com\/blog\/receive-international-payments-in-india\/\">international transactions.<\/a><\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e7a5996af8e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e7a5996af8e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#What_Are_Cross-Border_Payments\" >What Are Cross-Border Payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#Key_Players_in_the_Cross-Border_Payment_Ecosystem\" >Key Players in the Cross-Border Payment Ecosystem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#How_Do_Cross-Border_Payments_Work\" >How Do Cross-Border Payments Work?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#Common_Cross-Border_Payment_Methods\" >Common Cross-Border Payment Methods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#The_Future_of_Cross-Border_Payments\" >The Future of Cross-Border Payments\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#Power_Your_Cross-Border_Payments_with_Razorpay\" >Power Your Cross-Border Payments with Razorpay\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/blog\/cross-border-payments-guide\/#Frequently_Asked_Questions_FAQ\" >Frequently Asked Questions (FAQ)\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Cross-Border_Payments\"><\/span><b>What Are Cross-Border Payments?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Cross-border payments are financial transactions where the payer and the recipient are located in different countries. These transactions are the backbone of <a href=\"https:\/\/razorpay.com\/blog\/methods-of-payment-in-international-trade\/\">international trade<\/a>, <a href=\"https:\/\/razorpay.com\/learn\/what-is-international-ecommerce\/\">e-commerce<\/a>, and remittances, facilitated by a network of different financial institutions.\u00a0<\/span><\/p>\n<h3><b>A Real-World Example of a Cross-Border Payment\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To truly understand cross-border payments, let&#8217;s consider the choices facing a business owner in India today. Meet Priya, the founder of a boutique home decor brand in Jaipur. She needs to pay her trusted supplier in Portugal \u20ac5,000 for a shipment of handcrafted ceramics. The invoice is due, and Priya now faces a critical business decision: how to send the money. She has two main paths, each a classic example of a cross-border payment:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Path 1: The Traditional Bank (SWIFT Transfer):<\/b><\/h4>\n<p><span style=\"font-weight: 400;\"> Priya could visit her nationalized bank to initiate an <a href=\"https:\/\/razorpay.com\/blog\/a-comprehensive-guide-to-international-wire-transfers\/\">international wire transfer<\/a>. This process would involve filling out paperwork for the<\/span> <span style=\"font-weight: 400;\">outward remittance<\/span><span style=\"font-weight: 400;\">. The bank would convert her INR to EUR at that day&#8217;s board rate, which includes a markup. The payment would be sent via the SWIFT network, where it might pass through one or more intermediary banks, each potentially deducting a fee. The payment would likely arrive in her supplier&#8217;s account in Portugal in 3-5 business days, with the final received amount being slightly less than expected due to unpredictable fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><b>Path 2: The Modern Fintech Platform (like Razorpay):<\/b><\/h4>\n<p><span style=\"font-weight: 400;\"> Alternatively, Priya could use a digital platform like Razorpay. This would involve logging into a dashboard, entering the payment details, and seeing the exchange rate and final INR cost upfront before confirming. The platform sends the funds via its optimized global network, often arriving within 24 hours with full transparency on all charges.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Key_Players_in_the_Cross-Border_Payment_Ecosystem\"><\/span><b>Key Players in the Cross-Border Payment Ecosystem<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A successful international transaction involves several key players working together:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Traditional Banks:<\/b> <span style=\"font-size: 19px; font-weight: 400; color: rgba(0, 0, 0, 0.74);\">These are legacy institutions that handle large volumes of payments via networks like SWIFT.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fintech Platforms: <\/b><span style=\"font-size: 19px; font-weight: 400; color: rgba(0, 0, 0, 0.74);\">This category includes agile, digital-first companies like Razorpay, Wise, and PayPal that often offer faster and more user-friendly solutions.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payment Processors: <\/b><span style=\"font-size: 19px; font-weight: 400; color: rgba(0, 0, 0, 0.74);\">These are the intermediaries that ensure the secure routing and settlement of payments.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Central banks and regulatory bodies:<\/b> <span style=\"font-weight: 400;\">These are the agencies, such as the<\/span><a style=\"font-size: 19px; font-weight: 400;\" href=\"https:\/\/www.rbi.org.in\/\" rel=\"nofollow noopener\" target=\"_blank\"> Reserve Bank of India (RBI)<\/a><span style=\"font-weight: 400;\">, that enforce compliance and govern the rules of the financial system.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_Cross-Border_Payments_Work\"><\/span><b>How Do Cross-Border Payments Work?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding the mechanics of cross-border payments and the role of an <a href=\"https:\/\/razorpay.com\/international-payment-gateway-india\/\">international payment gateway<\/a> helps businesses optimize their international payment strategy. While methods vary, they generally follow these key steps:\u00a0<\/span><\/p>\n<h3><b>The Step-by-Step Process\u00a0<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Initiation:<\/b><span style=\"font-weight: 400;\"> The sender creates a payment instruction with their bank or payment provider.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Currency Conversion:<\/b><span style=\"font-weight: 400;\"> The sender&#8217;s local currency is converted to the recipient&#8217;s currency based on the applicable foreign exchange (FX) rates.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intermediary Processing:<\/b><span style=\"font-weight: 400;\"> Banks or fintechs process the payment across various systems and networks.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliance Checks:<\/b><span style=\"font-weight: 400;\"> The transaction is screened for all regulatory requirements.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Settlement:<\/b><span style=\"font-weight: 400;\"> The funds are routed and delivered to the recipient.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Confirmation:<\/b><span style=\"font-weight: 400;\"> The sender and receiver are notified of the completed transaction.\u00a0<\/span><\/li>\n<\/ol>\n<h3><b>Settlement Time Expectations\u00a0<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td><b>Method<\/b><\/td>\n<td><b>Settlement Time<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard bank transfers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2-5 business days\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Expedited transfers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">24-48 hours\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Real-time payment systems<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Minutes to seconds\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em><span style=\"font-weight: 400;\">Factors affecting speed include the currency corridor, international bank holidays, and potential compliance hold-ups.\u00a0<\/span><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Cross-Border_Payment_Methods\"><\/span><b>Common Cross-Border Payment Methods<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Various methods are available for sending money internationally, each with distinct advantages and limitations.\u00a0<\/span><\/p>\n<h3><b>Traditional Methods<\/b><\/h3>\n<ul>\n<li><b>SWIFT Wire Transfers:<\/b><span style=\"font-weight: 400;\"> These are electronic transfers sent through the global<\/span><a href=\"https:\/\/razorpay.com\/learn\/what-is-swift\/\"> <span style=\"font-weight: 400;\">SWIFT network<\/span><\/a><span style=\"font-weight: 400;\">, a secure messaging system linking banks worldwide.<\/span><\/li>\n<li><b>Bank-to-Bank International Transfers:<\/b><span style=\"font-weight: 400;\"> This is a direct transfer of funds between bank accounts in different countries, often using the SWIFT system.\u00a0<\/span><\/li>\n<li><b>Foreign Drafts and Cheques:<\/b><span style=\"font-weight: 400;\"> A traditional and slower method where a physical bank draft or cheque is mailed internationally.\u00a0<\/span><\/li>\n<li><b>Card-based International Payments:<\/b><span style=\"font-weight: 400;\"> These transactions leverage global card networks like Visa or Mastercard to process cross-border payments.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Modern Digital &amp; Fintech Solutions\u00a0<\/b><\/h3>\n<ul>\n<li><b>Razorpay Cross-Border Payments Stack:<\/b><span style=\"font-weight: 400;\"> A specialized solution built to help Indian businesses accept international payments from over 100 countries with full RBI and FEMA compliance.<\/span><\/li>\n<li><b>Online Payment Platforms:<\/b><span style=\"font-weight: 400;\"> Digital platforms like Wise, Stripe, and PayPal offer a streamlined alternative to traditional banks with faster settlements.\u00a0<\/span><\/li>\n<li><b>Mobile Wallets:<\/b><span style=\"font-weight: 400;\"> Digital wallets on mobile devices that facilitate quick cross-border payments, especially for<\/span> <span style=\"font-weight: 400;\">P2P remittances<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li><b>E-commerce Payment Gateways:<\/b><span style=\"font-weight: 400;\">\u00a0 Integrated solutions that allow an online exporter to securely accept payments from global customers in multiple currencies. You can learn more about how they function in our article, &#8220;<\/span><a href=\"https:\/\/razorpay.com\/blog\/payment-gateway-101\/\"><span style=\"font-weight: 400;\">What is a Payment Gateway?<\/span><\/a><span style=\"font-weight: 400;\">&#8220;.<\/span><\/li>\n<li><b>Benefits and Challenges of Cross-Border Payments\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Engaging in international transactions offers significant opportunities but also comes with unique challenges.\u00a0<\/span><\/p>\n<h3><b>Benefits<\/b><\/h3>\n<ul>\n<li><b>Access to global markets and customers:<\/b><span style=\"font-weight: 400;\"> Businesses can sell to and engage with customers from different countries.\u00a0<\/span><\/li>\n<li><b>Increased revenue opportunities:<\/b><span style=\"font-weight: 400;\"> Reaching a global audience opens up new streams of income.\u00a0<\/span><\/li>\n<li><b>Business diversification:<\/b><span style=\"font-weight: 400;\"> It allows companies to reduce dependency on a single economy.\u00a0<\/span><\/li>\n<li><b>Competitive advantage:<\/b><span style=\"font-weight: 400;\"> Businesses that efficiently handle international transactions can outperform competitors.\u00a0<\/span><\/li>\n<li><b>Supply chain optimization:<\/b><span style=\"font-weight: 400;\"> This enables companies to pay international suppliers and partners efficiently.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Challenges<\/b><\/h3>\n<ul>\n<li><b>Currency exchange risk:<\/b><span style=\"font-weight: 400;\"> Fluctuating exchange rates can impact the final amount received.\u00a0<\/span><\/li>\n<li><b>Transaction fees and hidden costs:<\/b><span style=\"font-weight: 400;\"> International payments can involve multiple charges, some of which may not be transparent. For a detailed breakdown, read our guide on<\/span> <span style=\"font-weight: 400;\"><a href=\"https:\/\/razorpay.com\/blog\/cross-border-fees-explained\/\">Cross-Border Fees<\/a> Explained<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li><b>Regulatory complexity:<\/b><span style=\"font-weight: 400;\"> Businesses must navigate the different financial laws of each country. For more on this, read our guide to<\/span> <span style=\"font-weight: 400;\">FEMA compliance<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><b>Processing delays:<\/b><span style=\"font-weight: 400;\"> Cross-border transactions can be slowed down by compliance checks and differing bank hours.\u00a0<\/span><\/li>\n<li><b>Fraud and security concerns:<\/b><span style=\"font-weight: 400;\"> Sending money internationally carries inherent risks that require robust security measures.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"The_Future_of_Cross-Border_Payments\"><\/span><b>The Future of Cross-Border Payments\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The world of cross-border payments is constantly evolving, driven by new technologies and a push for greater efficiency.\u00a0<\/span><\/p>\n<h3><b>Technology Trends:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Innovations like blockchain technology,<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/c\/central-bank-digital-currency-cbdc.asp\" rel=\"nofollow noopener\" target=\"_blank\"> <span style=\"font-weight: 400;\">Central Bank Digital Currencies (CBDCs)<\/span><\/a><span style=\"font-weight: 400;\">, and real-time payment (RTP) networks are poised to make international transactions faster, cheaper, and more transparent.<\/span><\/p>\n<h3><b>Regulatory Evolution: <\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Global standards like<\/span><a href=\"https:\/\/www.iso20022.org\/\" rel=\"nofollow noopener\" target=\"_blank\"> <span style=\"font-weight: 400;\">ISO 20022<\/span><\/a><span style=\"font-weight: 400;\"> are being adopted to create a common language for payment data worldwide, which promises to reduce errors and processing delays.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Power_Your_Cross-Border_Payments_with_Razorpay\"><\/span><b>Power Your Cross-Border Payments with Razorpay\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your business sends or receives payments internationally, it&#8217;s crucial to use a cross-border payment solution that&#8217;s fast, transparent, and fully compliant. Razorpay&#8217;s Cross-Border Payments Stack is built to streamline international transactions for Indian businesses\u2014whether you&#8217;re a SaaS company, exporter, <a href=\"https:\/\/razorpay.com\/blog\/razorpay-moneysaver-export-account-freelancers\/\">freelancer<\/a>, or eCommerce seller.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to take your business global with seamless, compliant, and cost-effective payments?<\/span><\/p>\n<p><a href=\"https:\/\/razorpay.com\/accept-international-payments\/\"><b>Explore Razorpay&#8217;s Cross-Border Payment Solutions today!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><b>Frequently Asked Questions (FAQ)\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><b>1. What are cross-border payments?\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">A cross-border payment is a financial transaction where the sender and receiver are based in different countries. It involves converting one currency to another and transferring funds across international banking networks, subject to the regulations of both countries involved.\u00a0<\/span><\/p>\n<h4><b>2. How do cross-border payments work?\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The process starts when a payer initiates a transfer through a bank or payment provider. The funds are converted and sent through intermediary networks, after which the transaction undergoes compliance checks before the money is finally settled in the recipient&#8217;s account.\u00a0<\/span><\/p>\n<h4><b>3. What are the best cross-border payment solutions?\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The &#8220;best&#8221; solution depends on your needs. Traditional banks are reliable for large transactions, while modern fintech platforms like Razorpay often provide a faster, more user-friendly, and cost-effective solution for businesses, freelancers, and exporters.\u00a0<\/span><\/p>\n<h4><b>4. How can businesses reduce cross-border transaction fees?\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">To reduce fees, businesses can use modern payment platforms that offer transparent <a href=\"https:\/\/razorpay.com\/blog\/business-banking\/exchange-rates\/\">FX rates<\/a> and lower transfer costs. Additionally, using multi-currency accounts can help avoid conversion fees for every transaction.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In our increasingly connected world, businesses and individuals are no longer limited by geographical boundaries.\u00a0 Whether you&#8217;re an Indian exporter selling to global customers, an importer paying overseas suppliers, or an individual sending money to family abroad, you&#8217;re participating in the global economy. This seamless interaction is powered by cross-border payments.\u00a0 This guide will explain<\/p>\n","protected":false},"author":172,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[369],"tags":[],"class_list":{"0":"post-23137","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-international-payments"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/172"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23137"}],"version-history":[{"count":10,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23137\/revisions"}],"predecessor-version":[{"id":25229,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23137\/revisions\/25229"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}