{"id":23920,"date":"2025-08-26T11:39:09","date_gmt":"2025-08-26T06:09:09","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23920"},"modified":"2026-02-09T17:26:00","modified_gmt":"2026-02-09T11:56:00","slug":"how-global-businesses-can-offer-upi-payments-to-indian-customers","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/how-global-businesses-can-offer-upi-payments-to-indian-customers\/","title":{"rendered":"How Global Businesses Can Offer UPI Payments to Indian Customers in 2026 (Without a Local Entity)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re a global business looking at India, you\u2019ve probably seen a lot of conflicting advice online about what it takes to start accepting payments. Some guides tell you to open an Indian bank account. Others insist you need to set up a local subsidiary. A few even suggest you\u2019ll need to hire an army of lawyers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No wonder there\u2019s so much confusion. The reality is: India\u2019s payment rails have evolved faster than most markets, and the process today is a lot simpler than what most people will tell you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, here are some Reddit threads with founders and operators sharing their frustrations about how confusing it is to start doing business in India.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-23921 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2025\/08\/image-1.png\" alt=\"Doing Business in India\" width=\"2400\" height=\"1256\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1.png 2400w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1-300x157.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1-1024x536.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1-768x402.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1-1536x804.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/image-1-2048x1072.png 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">So, let\u2019s clear the noise.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the <\/span><b>five things you actually need<\/b><span style=\"font-weight: 400;\">\u2014and one big thing you don\u2019t\u2014to start accepting UPI payments from Indian customers.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1. Do you need a complex tech setup to accept UPI payments in India?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No. What you need is a <\/span><b>simple, seamless API integration<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A lot of businesses worry they\u2019ll need multiple plugins or a heavy custom build. The truth is, a single integration can handle everything\u2014if you choose the right partner. That means your checkout can support:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UPI payment flows in all shapes &amp; forms (One-time, Recurring; QR codes customers scan, \u201ccollect requests\u201d they approve in their UPI app, or one-tap intent flows inside apps like Google Pay)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pricing in INR so your checkout feels localised to your customers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic retries when something goes wrong (like when a one-time password\u2014similar to 2FA codes in the US\u2014fails to deliver)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In short, you don\u2019t need to be a tech giant to offer UPI. You just need an integration built for scale that feels local and reliable to Indian customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With Razorpay, you get <\/span><b>India\u2019s #1 UPI stack<\/b><span style=\"font-weight: 400;\">, powering <\/span><b>90%+ success rate<\/b><span style=\"font-weight: 400;\">s and <\/span><b>10K+ transactions<\/b><span style=\"font-weight: 400;\"> per second\u2014so your checkout runs as smoothly as any local brand\u2019s.<\/span><\/p>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/C5OlR4YQ?utm_source=Blog2025UPI&amp;utm_medium=xxxxx&amp;utm_c[\u2026]xxxxx&amp;utm_term=xxxxx&amp;utm_content=xxxxx&amp;utm_placement=xxxxx\" rel=\"nofollow noopener\" target=\"_blank\">Offer UPI on your checkout<\/a><\/div>\n<div>\n<h2><span style=\"font-weight: 400;\">2. Do you need to hire a legal team in India to start accepting payments?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No. What you actually need is a <\/span><b>compliance-ready payments partner<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">India\u2019s central bank, the RBI, has strict rules around payments. But you don\u2019t need to set up a local office or hire lawyers to navigate them. A good partner will already have:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compliance baked into their product.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The required license from RBI, called a PA\u2013CB (Payment Aggregator\u2013Cross Border) license, allows foreign businesses to legally collect UPI payments without needing their own local approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automated checks for local tax and money movement rules (so you don\u2019t need to worry about Indian acronyms like TCS or LRS).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Built-in anti-money laundering (AML) checks.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">All of this runs in the background. The best kind of compliance is invisible\u2014it doesn\u2019t slow you down, but it keeps everything secure and legal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Razorpay is already <\/span><b>RBI-licensed under PA\u2013CB <\/b><span style=\"font-weight: 400;\">and automates <\/span><b>LRS, TCS, and AML <\/b><span style=\"font-weight: 400;\">checks out of the box, so you stay compliant without ever touching the paperwork. And with Razorpay\u2019s new <\/span><b>Smart AML Screening<\/b><span style=\"font-weight: 400;\">, flagged transactions are proactively reviewed, reducing AML-related settlement delays by two-thirds\u2014so your cash flow stays smooth.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. Do you need an Indian bank account to collect payments?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-23922 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2025\/08\/Screenshot-2025-08-22-at-11.37.07\u202fAM.png\" alt=\"Money Movement\" width=\"1430\" height=\"1059\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-22-at-11.37.07\u202fAM.png 1430w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-22-at-11.37.07\u202fAM-300x222.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-22-at-11.37.07\u202fAM-1024x758.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-22-at-11.37.07\u202fAM-768x569.png 768w\" sizes=\"auto, (max-width: 1430px) 100vw, 1430px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Not anymore. What you need is a <\/span><b>global settlement account<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how it works:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customers in India pay you in INR (rupees).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You receive funds in your home currency\u2014USD, EUR, SGD\u2014within just 2 business days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You don\u2019t have to open an Indian bank account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You don\u2019t have to wait weeks for settlement, which is common with older providers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It\u2019s fast, it\u2019s simple, and it means your cash flow isn\u2019t tied up in another country.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With <\/span><b>Razorpay<\/b><span style=\"font-weight: 400;\">, funds from India flow straight into your overseas bank account in the currency of your choice within <\/span><b>T+2 days<\/b><span style=\"font-weight: 400;\">, no local account needed.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. Do you need to manage foreign exchange rates yourself?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No. What you need is <\/span><b>built-in FX handling<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hidden markups on foreign exchange rates can quietly eat into your margins. A good payments partner will give you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time visibility into the conversion rate at the time of payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lean spreads (around 2% vs. the industry\u2019s 3.5% average)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic reconciliation and reporting so you don\u2019t need to track it manually<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">That way, your India expansion grows your revenue\u2014not your costs.<\/span><\/p>\n<p><b>Razorpay\u2019s FX engine<\/b><span style=\"font-weight: 400;\"> gives you transparent rates, lower spreads, and automated reconciliation, so you know exactly what you\u2019re earning, with no hidden fees.<\/span><\/p>\n<p style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/C5OlR4YQ?utm_source=Blog2025UPI&amp;utm_medium=xxxxx&amp;utm_c[\u2026]xxxxx&amp;utm_term=xxxxx&amp;utm_content=xxxxx&amp;utm_placement=xxxxx\" rel=\"nofollow noopener\" target=\"_blank\">Offer UPI on your checkout<\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Do you need to set up a legal entity in India?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No\u2014and this is the biggest myth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You don\u2019t need:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An Indian subsidiary<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A GSTIN (India\u2019s equivalent of a VAT or sales tax registration number)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A local bank account<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With the right payments partner, you can skip the entity hurdle completely and go live in days instead of months.<\/span><\/p>\n<p><b>Razorpay helps you go live in India within days, without a local entity or GSTIN,it is trusted by the biggest of global brands from- SaaS startups to travel giants.<\/b><\/p>\n<h2><span style=\"font-weight: 400;\">Wrapping it up<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expanding into India doesn\u2019t have to mean setting up offices, hiring lawyers, or registering a local company. What you really need comes down to five things: a smooth integration, compliance built into the rails, a global settlement account, transparent FX handling, and strong risk controls.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And what you don\u2019t need? A local entity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">India is a <\/span><b>$4T economy with over 850M digital users<\/b><span style=\"font-weight: 400;\">, and UPI now powers <\/span><b>more than 80% of all online transactions<\/b><span style=\"font-weight: 400;\">. With the right payments partner, you can launch, collect, and scale in India\u2014without ever opening a local entity.<\/span><\/p>\n<p style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/C5OlR4YQ?utm_source=Blog2025UPI&amp;utm_medium=xxxxx&amp;utm_c[\u2026]xxxxx&amp;utm_term=xxxxx&amp;utm_content=xxxxx&amp;utm_placement=xxxxx\" rel=\"nofollow noopener\" target=\"_blank\">Offer UPI on your checkout<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re a global business looking at India, you\u2019ve probably seen a lot of conflicting advice online about what it takes to start accepting payments. Some guides tell you to open an Indian bank account. Others insist you need to set up a local subsidiary. A few even suggest you\u2019ll need to hire an army<\/p>\n","protected":false},"author":142,"featured_media":23923,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1088],"tags":[538,555],"class_list":{"0":"post-23920","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-razorpay-international-payments","8":"tag-import-payments","9":"tag-razorpay-international-payments"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23920","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\/142"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23920"}],"version-history":[{"count":2,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23920\/revisions"}],"predecessor-version":[{"id":25958,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23920\/revisions\/25958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23923"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}