{"id":27492,"date":"2026-08-07T15:43:20","date_gmt":"2026-08-07T10:13:20","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=27492"},"modified":"2026-08-07T16:15:27","modified_gmt":"2026-08-07T10:45:27","slug":"getting-paid-in-aed-from-uae-clients-upi-international-swift-and-virtual-accounts-what-works-for-indian-businesses","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/getting-paid-in-aed-from-uae-clients-upi-international-swift-and-virtual-accounts-what-works-for-indian-businesses\/","title":{"rendered":"Getting Paid in AED from UAE Clients: UPI International, SWIFT, and Virtual Accounts \u2014 What Works for Indian Businesses"},"content":{"rendered":"<p>The India-UAE business corridor is one of the fastest-growing export corridors in Asia. India-UAE bilateral trade reached USD 101.25 billion in FY 2025-26, and behind that number is a wave of Indian IT firms, consultants, SaaS companies, and exporters billing UAE clients every month.<\/p>\n<p>The problem: most Indian businesses receive AED the slow, expensive way &#8211; SWIFT wires with opaque forex markups and a 3 to 5 day wait. A growing number assume UPI International solves everything. Neither instinct is right. UPI International is officially live in the UAE, but it is built for consumers scanning QR codes at retail, not for invoice-based B2B settlement. SWIFT works everywhere but costs you a hidden forex spread. And virtual accounts &#8211; the option that saves the most money &#8211; are the one most people have never heard of.<\/p>\n<div style=\"border-left: 4px solid #007BFF; background: #f0f8ff; padding: 25px; margin: 30px 0; border-radius: 8px; font-family: Arial, sans-serif; text-align: left;\">\n<h3 style=\"margin-top: 0; color: #007bff; font-size: 22px;\">Key Takeaways<\/h3>\n<ul style=\"margin: 15px 0; padding-left: 20px; color: #333; line-height: 1.6;\">\n<li>Receiving AED from UAE clients works through three rails: SWIFT bank wires, UPI International (limited use cases), and virtual accounts via RBI-authorised payment gateways.<\/li>\n<li>UPI International is live in the UAE but designed for consumer merchant payments, not for Indian businesses collecting B2B invoices from UAE corporate clients.<\/li>\n<li>SWIFT is reliable but expensive: forex markups of roughly 1 to 3.5 percent plus correspondent and lifting fees can cost thousands of rupees per transaction.<\/li>\n<li>Virtual accounts settle faster (often within 1 to 3 business days), charge lower all-in fees, and auto-generate the compliance documents you need (FIRA\/eFIRA).<\/li>\n<li>Every inward remittance from the UAE requires a correct RBI purpose code (for example, P0802 for software exports) and a FIRA\/FIRC for GST compliance.<\/li>\n<li>For most Indian IT firms, agencies, SaaS exporters, and consultants, a combination of an RBI-authorised international payment gateway and virtual account rails delivers the best cost-to-compliance outcome.<\/li>\n<li>Razorpay&#8217;s International Payment Gateway supports AED collections and settles to your Indian bank account with real-time currency conversion.<\/li>\n<\/ul>\n<\/div>\n<h2>Why the UAE-India Payment Corridor Deserves a Dedicated Strategy<\/h2>\n<p>If you already receive USD from US clients, you might assume the AED corridor works the same way. It does not. The rails are less developed, the purpose codes differ, and the currency behaves differently.<\/p>\n<h3>The Scale of Indian Business Exports to the UAE<\/h3>\n<ul>\n<li>The UAE is one of India&#8217;s top trading partners, with the India-UAE CEPA signed in 2022 reshaping bilateral trade flows.<\/li>\n<li>Indian IT, consulting, construction, and professional services firms are significant beneficiaries.<\/li>\n<li>India-UAE bilateral trade reached USD 101.25 billion in FY 2025-26, a signal of the deeper ties driving heavy B2B invoice flows.<\/li>\n<\/ul>\n<h3>Why the AED-to-INR Transfer Problem Is Unique<\/h3>\n<ul>\n<li>The AED has been pegged to the US Dollar at 3.6725 per USD since 1997, which creates predictable conversion anchors, but Indian banks still apply wide forex markups on AED-INR conversions.<\/li>\n<li>Unlike USD collections, AED-specific rails are less developed, making method selection more consequential.<\/li>\n<li>The corridor carries specific RBI purpose code requirements that differ from standard USD-export flows.<\/li>\n<\/ul>\n<p><strong>DID YOU KNOW<\/strong>: Government communication in early 2026 confirmed UPI is live in over eight countries including the UAE, but this expansion is a consumer payment feature, not a B2B invoice settlement rail.<\/p>\n<h2>How to Receive AED Payments from UAE Clients in India &#8211; The Three Main Methods<\/h2>\n<p>The right choice depends on who you are billing and how they prefer to pay.<\/p>\n<h3>A Quick Framework Before You Choose<\/h3>\n<p>The right method depends on three variables: who your UAE client is (corporate vs. individual), invoice size, and payment frequency. It is not just about fees &#8211; it is about compliance documents, settlement speed, and forex transparency.<\/p>\n<table>\n<thead>\n<tr>\n<th>Method<\/th>\n<th>Best For<\/th>\n<th>Typical AED-to-INR Cost<\/th>\n<th>Settlement Time<\/th>\n<th>FIRA Auto-issued?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SWIFT Bank Wire<\/td>\n<td>Large one-off invoices<\/td>\n<td>1-3.5% forex markup + wire fees<\/td>\n<td>2-5 business days<\/td>\n<td>On request from bank<\/td>\n<\/tr>\n<tr>\n<td>RBI-Authorised International PG<\/td>\n<td>Card-paying UAE clients, recurring invoices<\/td>\n<td>3% (card) or 1% (bank transfer)<\/td>\n<td>1-3 business days<\/td>\n<td>Usually auto<\/td>\n<\/tr>\n<tr>\n<td>Virtual Account (via PA-CB platform)<\/td>\n<td>Service exporters, freelancers, agencies<\/td>\n<td>Low flat fee or 0.3-1% at near mid-market<\/td>\n<td>T+1 to T+2<\/td>\n<td>Auto eFIRA<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>The One Number That Matters More Than the Fee<\/h3>\n<p>The forex spread is the &#8220;hidden fee&#8221; that lives inside the exchange rate. On an AED 50,000 invoice (approximately USD 13,600), a 3 percent hidden spread costs you roughly INR 34,000 more than a near-mid-market conversion. Always compare the INR that lands, not the headline fee.<\/p>\n<h2>SWIFT Payments from UAE to India &#8211; How They Work, What They Cost, and When to Use Them<\/h2>\n<p>SWIFT is the legacy default. It works everywhere, but the cost hides in places you cannot see on an invoice.<\/p>\n<h3>How a SWIFT Wire from a UAE Bank Reaches Your Indian Account<\/h3>\n<ul>\n<li>Your UAE client initiates the wire at their bank.<\/li>\n<li>Funds route through one or more correspondent banks.<\/li>\n<li>The money arrives at your AD Category-I bank in India.<\/li>\n<li>The bank converts AED to INR at its own card rate.<\/li>\n<li>INR credits your account.<\/li>\n<\/ul>\n<p>Each correspondent bank can deduct a lifting fee. Intermediary and correspondent banks can deduct around USD 10 to USD 30 per hop, and your Indian bank then applies its own forex conversion at a rate weaker than mid-market. For more, see our guides to <a href=\"https:\/\/razorpay.com\/blog\/wire-transfer-charges-india-fees-explained\/\">wire transfer charges in India<\/a> and bank charges for inward remittance.<\/p>\n<h3>The Real Cost of Receiving AED via SWIFT &#8211; A Worked Example<\/h3>\n<p>Let us run an AED 50,000 invoice at an illustrative AED\/INR rate of 22.8.<\/p>\n<ul>\n<li>Gross value at near-mid-market: AED 50,000 x INR 22.8 = INR 11,40,000<\/li>\n<li>Bank forex markup at 2.5%: minus INR 28,500<\/li>\n<li>Correspondent and lifting fees: minus INR 4,000<\/li>\n<li>Net INR that lands: approximately INR 11,07,500<\/li>\n<li>Loss vs. mid-market: approximately INR 32,500<\/li>\n<\/ul>\n<h3>When SWIFT Is Still the Right Answer<\/h3>\n<ul>\n<li>Large, one-off invoices where the flat correspondent fee is small relative to invoice value.<\/li>\n<li>UAE corporate clients whose finance teams are mandated to use bank wires only.<\/li>\n<li>Transactions requiring a bank-issued FIRC as a specific compliance document.<\/li>\n<\/ul>\n<p>PRO-TIP: When sharing SWIFT details, instruct clients to select &#8220;OUR&#8221; (sender pays all fees) rather than &#8220;SHA&#8221; or &#8220;BEN&#8221;. SHA means correspondent banks deduct fees from your received amount, making reconciliation unreliable.<\/p>\n<h2>UPI International for UAE Payments &#8211; What Is Actually Live, and What Is Not<\/h2>\n<p>UPI International is live in the UAE. It just does not do what most exporters think.<\/p>\n<h3>What NPCI&#8217;s UAE Rollout Actually Covers<\/h3>\n<p>Network International partnered with NPCI International to enable UPI QR payment acceptance across its UAE merchants, initially across retail and consumer-facing stores. An Indian traveller scans a UAE merchant&#8217;s QR code, sees the AED amount and INR equivalent, enters their UPI PIN, and payment deducts from their Indian bank account. That transparency benefits the payer, not the receiver.<\/p>\n<h3>Why UPI International Does Not Solve B2B Invoice Collection (Yet)<\/h3>\n<ul>\n<li>The flow is designed for Indian consumers paying UAE merchants. Money flows India to UAE, not UAE to India.<\/li>\n<li>An Indian agency cannot ask a UAE corporate client to &#8220;send via UPI&#8221; &#8211; that client does not hold an Indian UPI account.<\/li>\n<li>The one exception: if your UAE client is an NRI holding an NRE\/NRO account linked to UPI, some transfers may be possible &#8211; but this is not a scalable B2B strategy.<\/li>\n<\/ul>\n<h3>Where UPI International Does Add Value for Indian Businesses in 2026<\/h3>\n<ul>\n<li>If you travel to the UAE to meet clients, you can pay in-country expenses via UPI International.<\/li>\n<li>If you run a UAE-facing consumer product, Indian diaspora customers can pay via UPI.<\/li>\n<li>UPI acceptance is now live across multiple countries beyond the UAE &#8211; the network is expanding, but B2B export collection is not the primary design target.<\/li>\n<\/ul>\n<p><strong>DID YOU KNOW<\/strong>: UPI processed 24,162 crore transactions worth about Rs 314 lakh crore in FY 2025-26. The architecture is built outward from Indian consumer habits, not inward for exporter collection.<\/p>\n<h2>Virtual Accounts for AED Collections &#8211; How They Work and Why They Are Gaining Ground<\/h2>\n<p>Virtual accounts sidestep the correspondent-bank chain that makes SWIFT slow and expensive, and they handle compliance paperwork automatically.<\/p>\n<h3>What a Virtual Account Is and How It Differs from a Bank Account<\/h3>\n<ul>\n<li>A virtual account is a dedicated receiving account number (a vBAN) issued by an RBI-authorised payment aggregator or partner bank.<\/li>\n<li>Your UAE client pays into it as if paying any bank account.<\/li>\n<li>The aggregator converts AED and settles INR to your registered Indian bank account.<\/li>\n<li>You do not &#8220;own&#8221; it the way you own a current account. It is a routing facility, not a deposit account.<\/li>\n<\/ul>\n<h3>The Step-by-Step Flow for Receiving AED via a Virtual Account<\/h3>\n<ol>\n<li>Register with an RBI-authorised international payment gateway or PA-CB platform.<\/li>\n<li>Receive a dedicated receiving account with UAE-compatible routing details.<\/li>\n<li>Put these details on your invoice.<\/li>\n<li>The UAE client transfers AED to that account.<\/li>\n<li>The platform converts AED to INR at near-mid-market rates.<\/li>\n<li>INR settles to your Indian bank account (typically T+1 to T+2).<\/li>\n<li>A FIRA\/eFIRA is auto-generated in your dashboard.<\/li>\n<li>You file the correct RBI purpose code (for example, P0802).<\/li>\n<\/ol>\n<h3>Cost Comparison &#8211; Virtual Account vs SWIFT for AED Collections<\/h3>\n<p>Continuing the same AED 50,000 example:<\/p>\n<ul>\n<li>Virtual account route at 1% fee: minus INR 11,400<\/li>\n<li>AED-INR conversion at near-mid-market: minimal additional loss<\/li>\n<li>Net INR that lands: approximately INR 11,28,600<\/li>\n<li>Saving vs. SWIFT: approximately INR 21,000 on a single invoice<\/li>\n<\/ul>\n<p>PRO-TIP: When you share virtual account details, specify the UAE client should initiate an AED bank transfer. The virtual account absorbs the conversion and paperwork &#8211; instructing clients correctly eliminates a common reconciliation error.<\/p>\n<h2>Razorpay&#8217;s International Payment Gateway &#8211; How Indian Businesses Can Accept Payments from UAE Clients<\/h2>\n<p>Here is how Razorpay handles the two rails that matter most: card-paying and bank-transfer clients.<\/p>\n<h3>The Two Products That Handle UAE-to-India Collections<\/h3>\n<p><strong>International Payment Gateway (Export flow):<\/strong> Accept payments from UAE clients paying by international card in AED or USD, settled in INR.<\/p>\n<ul>\n<li>Fee: 3% for card payments<\/li>\n<li>Supports 130+ currencies including AED<\/li>\n<li>Real-time currency conversion and RBI-compliant settlement<\/li>\n<li>More detail at <a href=\"https:\/\/razorpay.com\/accept-international-payments\/\">razorpay.com\/accept-international-payments\/<\/a><\/li>\n<\/ul>\n<p><strong>MoneySaver Export Account (Bank transfer flow):<\/strong> For UAE clients who pay via bank transfer.<\/p>\n<ul>\n<li>Fee: 1% for bank transfers<\/li>\n<li>Lower all-in cost, built for service exporters<\/li>\n<\/ul>\n<h3>Which Razorpay Product Fits Your UAE Client Profile<\/h3>\n<ul>\n<li>UAE corporate clients paying via company card &#8211; International PG.<\/li>\n<li>UAE clients who prefer wire or bank transfer &#8211; MoneySaver Export Account.<\/li>\n<li>Recurring clients &#8211; combine International PG with Subscriptions for automated billing.<\/li>\n<li>NRI-operated Indian businesses &#8211; standard UPI or Payment Links may work.<\/li>\n<\/ul>\n<h3>What Razorpay Handles on the Compliance Side<\/h3>\n<ul>\n<li>Real-time currency conversion at competitive rates<\/li>\n<li>Settlement directly to your Indian bank account<\/li>\n<li>FEMA-compliant inward remittance documentation<\/li>\n<li>Integration with accounting tools for reconciliation<\/li>\n<\/ul>\n<h2>RBI Compliance for AED Inward Remittances &#8211; What Documents You Need and How to Get Them<\/h2>\n<p>Choosing the right rail is half the job. The other half is clean paperwork.<\/p>\n<h3>The Purpose Code You Must Get Right<\/h3>\n<p>Common codes for Indian businesses billing UAE clients:<\/p>\n<ul>\n<li><strong>P0802<\/strong> &#8211; Software\/IT services exports<\/li>\n<li><strong>P1006<\/strong> &#8211; Management consultancy and advisory services<\/li>\n<li><strong>P0801<\/strong> &#8211; Computer services (maintenance, repair)<\/li>\n<li><strong>P1300-series<\/strong> &#8211; Business and professional services<\/li>\n<\/ul>\n<p>Using the wrong code creates reconciliation problems and can delay GST refunds. Our guide to the <a href=\"https:\/\/razorpay.com\/blog\/p0802-purpose-code-guide\/\">P0802 purpose code<\/a> walks through usage.<\/p>\n<h3>FIRA, eFIRA, and FIRC &#8211; What Each Document Is<\/h3>\n<ul>\n<li><strong>FIRA:<\/strong> Issued by the platform confirming receipt of foreign funds. eFIRAs are now a standard digital document supporting GST refund claims.<\/li>\n<li><strong>FIRC:<\/strong> A bank-issued formal record used for purposes such as FDI compliance.<\/li>\n<li><strong>BRC:<\/strong> Used for DGFT incentives and EDPMS closure. <a href=\"https:\/\/razorpay.com\/blog\/difference-between-brc-and-firc\/\">FIRC and BRC are not interchangeable<\/a>.<\/li>\n<\/ul>\n<h3>GST on Export of Services &#8211; The LUT You Should File First<\/h3>\n<ul>\n<li>Exporting services to UAE clients is generally a zero-rated supply under GST.<\/li>\n<li>To export without paying IGST upfront, file a Letter of Undertaking (LUT) before issuing your first invoice.<\/li>\n<li>Skip the LUT and you pay IGST first, then claim a refund later, locking up working capital.<\/li>\n<li>GST on your gateway fee (18 percent on the fee only) is a separate line item. Software exporters should review <a href=\"https:\/\/razorpay.com\/blog\/exporting-software-softex-filing-simplified\/\">SOFTEX filing requirements<\/a>.<\/li>\n<\/ul>\n<h2>Choosing the Right Method by Business Type &#8211; A Decision Map for Indian Exporters<\/h2>\n<h3>IT Agencies and SaaS Companies<\/h3>\n<ul>\n<li>Primary: Virtual account rail (bank transfer) at 1% for recurring invoices.<\/li>\n<li>Secondary: International PG for card-paying clients or one-off projects.<\/li>\n<li>Key concern: SOFTEX filing and automated FIRA. Purpose code P0802.<\/li>\n<\/ul>\n<h3>Consultants, Freelancers, and Independent Professionals<\/h3>\n<ul>\n<li>Primary: International PG for smaller, infrequent invoices where card convenience matters.<\/li>\n<li>Virtual accounts for larger project fees where forex savings justify setup.<\/li>\n<li>Key concern: FIRA for each transfer and GST compliance.<\/li>\n<\/ul>\n<h3>D2C and Product Exporters<\/h3>\n<ul>\n<li>Primary: SWIFT for large physical goods shipments.<\/li>\n<li>Supplement with International PG for smaller retail orders.<\/li>\n<li>Key concern: eBRC reconciliation and EDPMS compliance, since <a href=\"https:\/\/razorpay.com\/blog\/difference-between-brc-and-firc\/\">BRC and FIRC serve different purposes<\/a>.<\/li>\n<\/ul>\n<h3>Startups and Early-Stage Founders<\/h3>\n<ul>\n<li>Fastest path: Razorpay International PG with a Payment Page or Payment Link. No UAE entity needed.<\/li>\n<li>Once volume grows: Set up a virtual account rail for lower cost per transaction.<\/li>\n<\/ul>\n<h2>5 Mistakes Indian Businesses Make When Receiving AED from UAE Clients<\/h2>\n<ol>\n<li><strong>Comparing the wire fee instead of landed INR.<\/strong> The forex markup costs more than the visible SWIFT fee. Ask: how many rupees actually land?<\/li>\n<li><strong>Treating UPI International as a B2B tool.<\/strong> Asking a UAE corporate client to &#8220;pay via UPI&#8221; will confuse them or fail.<\/li>\n<li><strong>Not filing the LUT first.<\/strong> Without it, you owe IGST and wait months for a refund. File once, renew annually.<\/li>\n<li><strong>Using the wrong RBI purpose code.<\/strong> Wrong codes delay FIRA issuance and create audit gaps.<\/li>\n<li><strong>Not instructing on fee allocation.<\/strong> SHA or BEN deducts from your amount. Specify OUR.<\/li>\n<\/ol>\n<h2>Frequently Asked Questions<\/h2>\n<h3><strong>Q1: How do I receive AED payments from UAE clients in India?<\/strong><\/h3>\n<p>Three main options: a SWIFT bank wire, an RBI-authorised international payment gateway (card via link or hosted page), or a virtual account (dedicated receiving details on your invoice). For most service exporters, a combination of international PG and virtual account gives the best cost and compliance outcome.<\/p>\n<h3><strong>Q2: Is UPI International available for UAE-to-India B2B payments?<\/strong><\/h3>\n<p>Not in the way most expect. UPI acceptance in the UAE is live for Indian consumers scanning QR codes at retail merchants &#8211; money flows outward, not inward. For B2B invoice collection, SWIFT and virtual accounts remain the two main channels.<\/p>\n<h3><strong>Q3: How long do SWIFT payments from UAE to India take?<\/strong><\/h3>\n<p>Typically 2 to 5 business days, depending on the number of correspondent banks and documentation. Delays of 3 to 5 days are common for first-time transactions.<\/p>\n<h3><strong>Q4: Are virtual accounts better than SWIFT for receiving AED?<\/strong><\/h3>\n<p>For most service exporters, yes, on both cost and speed. Virtual accounts convert at near-mid-market rates, settle in T+1 to T+2, and auto-generate the FIRA you need. The exception: very large invoices where your client is contractually required to use a bank wire.<\/p>\n<h3><strong>Q5: What documents do I need to receive export payments from the UAE?<\/strong><\/h3>\n<p>A correct RBI purpose code, a FIRA or eFIRA for each settlement, a bank-issued FIRC where required, and a filed LUT if exporting services as a zero-rated supply. Keep all documents per transaction.<\/p>\n<h3><strong>Q6: Can I receive AED directly into my Indian bank account?<\/strong><\/h3>\n<p>No. Under FEMA, residents cannot hold foreign currency in a standard domestic account. Your AD Category-I bank converts AED to INR before crediting you. You never hold AED in India.<\/p>\n<h3><strong>Q7: What is the RBI purpose code for IT and software services exported to UAE clients?<\/strong><\/h3>\n<p>P0802 is standard for software and IT services. Computer services fall under P0801. Management consulting uses P1000-series codes. Confirm the exact code with your CA before your first invoice.<\/p>\n<h3><strong>Q8: How does Razorpay help Indian businesses receive payments from UAE clients?<\/strong><\/h3>\n<p>Razorpay&#8217;s <a href=\"https:\/\/razorpay.com\/accept-international-payments\/\">International Payment Gateway<\/a> enables card payments from UAE clients in AED or USD with real-time conversion and INR settlement. The MoneySaver Export Account offers a lower-cost bank transfer route at 1 percent. Both support 130+ currencies under RBI and FEMA compliance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The India-UAE business corridor is one of the fastest-growing export corridors in Asia. India-UAE bilateral trade reached USD 101.25 billion in FY 2025-26, and behind that number is a wave of Indian IT firms, consultants, SaaS companies, and exporters billing UAE clients every month. The problem: most Indian businesses receive AED the slow, expensive way<\/p>\n","protected":false},"author":180,"featured_media":27500,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1067],"tags":[],"class_list":{"0":"post-27492","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cross-border"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27492","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\/180"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=27492"}],"version-history":[{"count":8,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27492\/revisions"}],"predecessor-version":[{"id":27505,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/27492\/revisions\/27505"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/27500"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=27492"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=27492"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=27492"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}