International Payment Gateway Kaise Le
International payment gateway lene ka complete process Hindi-English me. RBI compliance, FEMA, IEC code, settlement currency — sab covered.
International payment gateway lene ke 5 steps: (1) IEC (Import Export Code) registration karwao — mandatory for cross-border payment receiving, (2) Business export-eligibility verify — services export ya goods, (3) Sahi international PG choose karo (international PG with strong brand recognition, developer-friendly international PG India, international PG, ProWiderKart-facilitated options), (4) FEMA compliance documentation prepare — FIRC, GR/SDF forms, (5) AD Code (Authorized Dealer Code) bank se obtain karo. Activation 7-21 days. Settlement INR me hota hai automatically (currency conversion charges apply). RBI + FEMA + GST compliance critical hai. ProWiderKart end-to-end facilitation provides karta hai.
Step-by-Step Process
Yeh complete process hai jo proven aur compliance-safe hai. ProWiderKart facilitator hai — final approval respective lender/insurer/PSP ki discretion par.
IEC (Import Export Code) Karwao
IEC mandatory hai cross-border transactions ke liye. dgft.gov.in pe online apply (₹500 government fee). Required: PAN, bank account, Aadhaar/passport. 1-3 working days me code milta hai. IEC lifetime valid hai. Without IEC international payment receive karna FEMA violation hai.
Business Eligibility + Export Type Verify Karo
Services export (IT, consulting, content, digital products): straightforward, GST registration helpful. Goods export: additional customs compliance. Educational/professional services: most flexible. Restricted categories (gaming, adult content, certain crypto): limited PG options.
Sahi International PG Choose Karo
international PG with strong brand recognition: global reach, easy onboarding, higher fees. developer-friendly international PG India: developer-friendly, good for SaaS. international PG: subscription-friendly. domestic payment gateway International: India-first with global. ProWiderKart through facilitated options bhi available. Compare: fees (typically 3-4.5% + per-transaction), supported currencies, settlement time, withdrawal limits.
FEMA Compliance + Documentation
FIRC (Foreign Inward Remittance Certificate): bank issue karta hai har inward remittance pe. GR/SDF (Goods/Services Declaration Forms): export proof. SOFTEX form for software exports. GST: services export zero-rated (LUT option). Income tax: foreign income disclosure mandatory. CA consult karo ongoing compliance ke liye.
AD Code Activation + Live Go
AD (Authorized Dealer) Code current account bank se obtain karo — Customs portal pe register karwana padta hai for goods export. Services export me directly applicable nahi. International PG dashboard pe currency settlement settings configure — INR auto-convert ya foreign currency hold (limited option). First small transaction test karo full cycle.
Frequently Asked Questions
International payment ke charges kitne hote hain?
Indicative: 3-4.5% transaction fee + GST. Plus currency conversion charges (1-2% spread). Higher than domestic UPI/cards. Per-transaction $0.30-0.50 fixed fee bhi common.
International PG types me kya farak hota hai?
International PGs do main categories me aate hain: (1) Brand-focused PGs — established players, easy onboarding, lekin withdrawal restrictions (typically 7-day hold) aur strong consumer brand recognition. (2) Developer-focused PGs — API-first integration, SaaS-optimized, subscription billing strong, T+7 settlement timeframe India me.
Bina IEC international payment receive kar sakte hain?
FEMA violation hai bina IEC. Some PGs domestic credit card cross-border transactions process kar dete hain (small amounts) but yeh grey area hai. Proper IEC + AD code + FIRC chain compliance ke liye mandatory.
Foreign currency me settlement hota hai?
Most India-based PGs INR me auto-convert karte hain. Foreign currency hold limited PGs (EEFC accounts via bank) me available. Standard scenarios me INR settlement common hai.
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