Choosing an international payment gateway on headline fee alone is the most expensive mistake Indian businesses make. A gateway charging 3% with zero FX markup delivers more net INR per rupee of international GMV than a gateway charging 2.9% with a 3.5% hidden currency conversion spread. The fee on the pricing page is only one of four cost variables that determine how much money actually reaches a business’s Indian bank account.
This analysis evaluates five international payment gateways available to Indian businesses in 2026 on total cost: transaction fee plus FX markup plus failed payment loss plus FIRC documentation overhead. Each gateway is also assessed through the questions Indian businesses actually ask before committing: what does it cost, which corridors does it cover, does it auto-generate FIRC, and who is it genuinely best for.
| Key TakeawaysRazorpay International delivers the highest net INR per Rs. 10 lakh of international GMV at approximately Rs. 9,64,600, compared to PayPal’s Rs. 9,18,000, a difference of Rs. 46,600 per Rs. 10 lakh or Rs. 5.59 lakh annualised on the same GMV.FX markup is the largest hidden cost in international payment gateway pricing. Gateways that apply 2-4% above mid-market on currency conversion cost more than gateways with a higher stated fee but mid-market FX positioning.Razorpay became the first Indian payment aggregator to offer Apple Pay for international customers in September 2025. No other Indian-regulated payment gateway in this comparison has followed.CCAvenue processes currency conversions using XE rates rather than the mid-market rate, which adds an FX spread that is not itemised as a separate fee on the pricing page.PayPal’s in-principle PA-CB approval (May 2025) is export-side only and does not constitute the full PA-CB authorisation held by Razorpay (December 2025, inward and outward).FIRC documentation: Razorpay auto-generates eFIRC per transaction from the dashboard. PayU and CCAvenue require bank-side documentation. PayPal issues a weekly Digital FIRA batch (from February 2026), not per transaction. |
The Rs. 10 Lakh Audit: What Each Gateway Actually Returns
For a standard Rs. 10,00,000 (approximately $11,765 at Rs. 85 per USD) in international GMV received in a month, here is the net INR delivered to a merchant’s bank account after transaction fee, FX markup, and GST on fees. Failed payment costs are excluded from this table to isolate gateway pricing.
| Gateway | Stated Fee | FX Markup | Effective All-in | Net INR on Rs. 10L GMV | Gap vs Rank 1 |
|---|---|---|---|---|---|
| Razorpay International | 3% + GST | Mid-market | ~3% | ~Rs. 9,64,600 | Baseline |
| PayU International | 3% + GST | 1.5-2.5% | ~4-6% | ~Rs. 9,50,000 | Rs. 14,600 less |
| CCAvenue International | 3-5% + GST | XE rate spread | ~5-6% | ~Rs. 9,45,000 | Rs. 19,600 less |
| Stripe India | ~6.3% (all-in) | Embedded | ~6.3% | ~Rs. 9,37,000 | Rs. 27,600 less |
| PayPal Business | 4.4% + $0.30 | 3-4% | ~8.2% | ~Rs. 9,18,000 | Rs. 46,600 less |
Note: GST at 18% applies on the fee component only, not the total GMV. Net INR figures are estimates. CCAvenue FX markup reflects XE conversion rates typically running 1.5-2.5% above mid-market. Razorpay’s net figure accounts for GST on the 3% fee.
Ranked: Best International Payment Gateways for Indian Businesses
Rank 1. Razorpay International
Rating: 4.8/5
Table of Contents
What makes Razorpay the top-ranked international payment gateway for Indian businesses in 2026?
Razorpay International leads this comparison on four grounds simultaneously: lowest effective all-in cost at 3% plus GST, full RBI PA-CB licence (inward and outward, December 2025), the only Apple Pay support among Indian-regulated payment gateways, and per-transaction auto-eFIRC generation requiring zero manual documentation.
Most Indian payment gateways optimise for one or two of these dimensions. Razorpay International’s combination of cost, regulatory standing, payment method coverage, and compliance automation is the reason it ranks first on total cost of ownership rather than just headline rate.
It also operates on the same merchant dashboard as Razorpay’s domestic payment gateway, meaning Indian businesses that sell to both Indian and international customers do not need to maintain two separate integrations or dashboards.
What does Razorpay charge for international payments, and what is the actual all-in cost?
| Parameter | Value |
|---|---|
| Transaction fee | 3% + 18% GST |
| FX markup | 0% |
| Setup fee | Rs. 0 |
| Annual maintenance | Rs. 0 |
| Effective all-in | ~3% (plus GST on the fee component) |
| Settlement | INR, T+2 |
| Supported currencies | 135 currencies |
| Countries covered | 180+ |
The 3% fee plus GST on the fee component is the complete cost structure. Razorpay does not layer a separate FX markup on top of the transaction fee. At Rs. 10 lakh in international GMV, the total cost is approximately Rs. 35,400 (Rs. 30,000 fee plus Rs. 5,400 GST on the fee), leaving Rs. 9,64,600 net.
There are no setup fees, no annual maintenance charges, and no tiered access fees that some enterprise-oriented payment gateways apply.
Does Razorpay support Apple Pay and Google Pay for international customers?
Yes. Razorpay became the first Indian payment aggregator to offer Apple Pay for international customers in September 2025. International buyers on Apple devices can complete payment via Face ID or Touch ID at a Razorpay-hosted checkout page. Razorpay also supports Google Pay for international customers, alongside Visa, Mastercard, Amex, and Diners.
Published data from Razorpay’s Apple Pay rollout shows a 58% improvement in payment completion rates on Apple Pay versus standard card entry forms for the same checkout. For Indian D2C businesses, SaaS companies, and education platforms with US and UK buyer bases, this is a material conversion difference.
No other payment gateway in this comparison has confirmed Apple Pay availability for Indian-entity merchants at the time of writing.
How does Razorpay handle FIRC documentation for Indian businesses?
Razorpay auto-generates eFIRC (electronic Foreign Inward Remittance Certificate) per transaction. The certificate is available for download from the Razorpay merchant dashboard immediately after each international payment is processed, with no bank follow-up required.
For Indian businesses making GST refund claims on exported services under zero-rated export rules, per-transaction eFIRC is the cleanest documentation path. Each certificate can be matched directly to the corresponding invoice without a reconciliation step.
Pros:
- Lowest effective all-in cost in this comparison at 3% plus GST, with mid-market FX positioning
- Full RBI PA-CB licence (Export + Import, December 2025), the highest regulatory standing of any platform in this comparison
- First and only Indian payment aggregator with Apple Pay for international customers
- Auto-eFIRC per transaction from the merchant dashboard, zero manual bank documentation
- Domestic and international payments on a single dashboard, no second gateway needed
- 95%+ cross-border payment success rate via smart routing across multiple acquiring banks
- Rs. 0 setup fee, Rs. 0 annual maintenance
Cons:
- 3% rate is higher than what Stripe US charges for large-volume merchants (though Stripe US requires a foreign entity)
- Apple Pay setup for Shopify, WooCommerce, and Magento requires a configuration step before it appears at checkout
- International subscription billing (USD recurring charges) requires additional configuration beyond the standard IPG setup
Best for: Indian businesses of any size (D2C, SaaS, agency, education, marketplace) that want the lowest total cost, Apple Pay support, and per-transaction FIRC from a fully RBI-licensed Indian-entity platform.
Rank 2. PayU International
Rating: 3.8/5
Is PayU a good international payment gateway for Indian businesses?
PayU is an established Indian payment gateway with a PA-CB licence and a reasonable international card acceptance footprint. It supports 130+ currencies and offers T+2 settlement to Indian bank accounts. For businesses that are already on PayU for domestic payments and want to extend to international acceptance on the same relationship, the transition is operationally straightforward.
However, PayU’s international gateway is not the core product the platform is built around. It is an extension of a primarily domestic payment gateway. The FX markup, which adds 1.5-2.5% on top of the stated transaction fee, is not prominently disclosed, making the true cost higher than initial comparisons suggest.
What does PayU charge for international payments, and what is the all-in cost?
| Parameter | Value |
|---|---|
| Transaction fee | 3% + 18% GST |
| FX markup | 1.5-2.5% on top of stated fee (not published separately) |
| Setup fee | Rs. 0 |
| Annual maintenance | Rs. 0 |
| Effective all-in | ~4-6% |
| Settlement | INR, T+2 |
| Supported currencies | 130+ |
| FIRC method | Via AD bank on receipt |
The stated 3% transaction fee does not reflect the full cost. A FX markup of 1.5-2.5% is applied on currency conversion, which Indian businesses report as an effective all-in cost of 4-6% on international card transactions. At Rs. 10 lakh GMV, this translates to approximately Rs. 40,000-60,000 in total costs versus Razorpay’s Rs. 35,400.
How does PayU compare to Razorpay International on total cost?
The stated transaction fees are identical at 3% plus GST. The difference is the FX markup layer. Razorpay positions at mid-market; PayU applies 1.5-2.5% above mid-market. On Rs. 10 lakh GMV, the PayU FX spread alone adds approximately Rs. 12,750-21,250 in additional cost above Razorpay’s mid-market positioning.
PayU also does not auto-generate FIRC per transaction. Documentation comes from the AD bank on receipt of the inward remittance, which requires a separate bank request and takes 3-10 business days per payment.
Pros:
- Established Indian payment gateway with strong domestic market position
- PA-CB licensed, RBI compliant
- 130+ currencies and T+2 settlement
- Zero setup and maintenance fees
- Existing PayU domestic merchants can extend to international on the same account relationship
- UPI AutoPay available for Indian subscriber base (if selling domestically as well)
Cons:
- FX markup of 1.5-2.5% on top of stated 3% fee is not transparently disclosed, making total cost comparison require additional inquiry
- Effective all-in cost of 4-6% is significantly higher than Razorpay’s 3% once FX is included
- No Apple Pay or Google Pay for international customers
- FIRC documentation via bank, not auto-generated per transaction
- International onboarding reported as slower than cross-border-first platforms
- Weaker product depth for international payments compared to domestic capabilities
Best for: Businesses already on PayU for domestic payments that want to add international card acceptance with minimal new onboarding, and where the FX markup cost is acceptable relative to the operational convenience.
Rank 3. CCAvenue International
Rating: 3.4/5
Where does CCAvenue stand as an international payment gateway for Indian businesses in 2026?
CCAvenue is one of India’s oldest payment gateways, processing domestic and international transactions for close to 3 million merchants. Its international payment gateway product has been available for years and covers 27 major foreign currencies for multi-currency checkout. However, its FX mechanism, its fee structure at higher plans, and its FIRC process place its total cost above Razorpay and PayU.
CCAvenue is better positioned as an enterprise domestic payment gateway that offers international acceptance as a secondary capability than as a primary international payment gateway for businesses with significant cross-border GMV.
What currencies and corridors does CCAvenue support for international payments?
| Parameter | Value |
|---|---|
| Transaction fee (international cards) | 3% (Startup Pro) up to 4.99% on some configurations |
| FX mechanism | XE rate (not mid-market) |
| Supported currencies | 27 major foreign currencies |
| Setup fee | Rs. 0 (Startup Pro); Rs. 30,000 (Privilege plan) |
| Annual maintenance | Rs. 1,200/year (Startup Pro, waived first year) |
| FIRC method | Via AD bank |
| Multi-currency checkout | Yes (price display in 27 currencies) |
CCAvenue supports 27 major foreign currencies for checkout, which is narrower than Razorpay’s 135 currencies. Currency conversions are processed using XE rates rather than the interbank mid-market rate. XE rates typically carry a spread of 1.5-2.5% above mid-market, which is embedded in the conversion rather than disclosed as a separate fee.
The Privilege plan, which gives access to negotiated transaction rates, requires a Rs. 30,000 setup fee. For businesses evaluating international payment gateways purely on total cost, this upfront fee changes the break-even calculation, particularly at low to mid international GMV volumes.
What is CCAvenue’s real all-in cost for international payments?
At the Startup Pro level with a 3% transaction fee and XE-based FX conversion adding approximately 1.5-2.5%, the effective all-in cost is approximately 4.5-5.5% for international card transactions. The Privilege plan’s negotiated rates can bring the transaction fee lower for high-volume businesses, but the FX mechanism remains XE-based regardless of plan.
At Rs. 10 lakh GMV on the Startup Pro plan, the total cost is approximately Rs. 45,000-55,000, delivering Rs. 9,45,000-9,55,000 net versus Razorpay’s Rs. 9,64,600.
Pros:
- Long-established Indian payment gateway with wide domestic merchant base
- Multi-currency checkout display in 27 currencies, useful for price localisation
- Zero setup fee on Startup Pro plan
- Negotiated rates available on Privilege plan for higher volume merchants
- Broad domestic payment method coverage (97+ debit cards, 58+ net banking options) for businesses selling domestically as well
Cons:
- Only 27 foreign currencies supported versus 135 on Razorpay and 130+ on PayU
- XE-based FX conversion adds 1.5-2.5% above mid-market in an undisclosed way
- Rs. 30,000 setup fee on Privilege plan changes total cost calculation
- Rs. 1,200/year maintenance on Startup Pro (after first year)
- No Apple Pay or Google Pay for international customers
- FIRC documentation via bank, not auto-generated
- International payment product depth is secondary to the domestic gateway offering
Best for: Established Indian businesses with high domestic GMV that want to add limited international card acceptance using an existing CCAvenue relationship, and where 27-currency coverage meets the business’s international buyer geography.
Rank 4. Stripe India
Rating: 3.8/5
Can Indian businesses still use Stripe for international payments in 2026?
Stripe India has been invite-only for new accounts since May 2024. Indian businesses that did not activate Stripe before this date must apply and wait for approval. Existing Indian accounts require re-verification under updated documentation requirements. This is the most significant operational limitation: there is no self-serve path to activate Stripe India for international payments in 2026.
For businesses that do have an active, verified Stripe India account, international card acceptance is available. The product supports card payments only. SWIFT, ACH, SEPA, and other bank transfer methods are not supported on the India product.
What is the real cost of using Stripe India for international payments?
| Parameter | Value |
|---|---|
| Effective all-in cost | ~6.3% |
| Transaction fee | Embedded in all-in rate |
| FX markup | Embedded in all-in rate |
| Setup fee | Rs. 0 |
| Annual maintenance | Rs. 0 |
| FIRC method | None – manual bank request required |
| Apple Pay | Not available on Indian-entity accounts |
| PA-CB licence | In-principle only |
| Domestic sales | Not supported |
Stripe India’s effective all-in cost of approximately 6.3% for Indian cross-border sellers places it fourth in the Rs. 10 lakh audit, returning approximately Rs. 9,37,000 versus Razorpay’s Rs. 9,64,600.
Stripe India does not auto-generate FIRC. Indian businesses using Stripe must request FIRC from their authorised dealer bank separately for every inward remittance. Stripe India cannot process domestic INR transactions, requiring a separate domestic payment gateway for businesses that sell to Indian customers as well.
Pros:
- Stripe’s developer experience and API documentation are the strongest in the industry globally
- Zero setup and annual fees
- Recognised globally, which may simplify onboarding for international clients familiar with Stripe-hosted checkouts
- Stripe Billing available for subscription management where account access permits
Cons:
- Invite-only since May 2024: no self-serve activation for new Indian businesses
- Effective all-in cost of ~6.3% is the second highest in this comparison after PayPal
- Card payments only: no SWIFT, ACH, or SEPA support for international clients preferring bank transfers
- No FIRC auto-generation: every inward remittance requires a separate bank documentation request
- No Apple Pay for international customers of Indian-entity accounts
- In-principle PA-CB status only (not full authorisation)
- No domestic Indian payment support on the same account
Best for: Indian businesses that already have an active, verified Stripe India account with established international payment history, and where switching infrastructure cost outweighs the fee premium vs alternatives. Not recommended for new setups in 2026 given invite-only access and cost profile.
Rank 5. PayPal Business
Rating: 3.4/5
Why does PayPal rank last among international payment gateways for Indian businesses in 2026?
PayPal’s effective all-in cost of approximately 8.2% per payment received from international customers is the highest in this comparison by a meaningful margin. On Rs. 10 lakh in international GMV, PayPal returns approximately Rs. 9,18,000 to the merchant’s account, compared to Razorpay’s Rs. 9,64,600. The Rs. 46,600 monthly difference compounds to Rs. 5.59 lakh per year on the same GMV.
The cost structure has two layers that compound: a 4.4% transaction fee plus $0.30 fixed charge, and a FX markup of 3-4% above mid-market applied at the point of INR conversion. PayPal does not allow Indian merchants to hold USD balances; conversion to INR is automatic on receipt.
PayPal’s payment aggregator cross-border licence status is in-principle approval only (PA-CB-E, export side, May 2025), placing it in the weakest regulatory position of any gateway in this comparison.
What is PayPal’s all-in cost for Indian businesses receiving international payments?
| Parameter | Value |
|---|---|
| Transaction fee | 4.4% + $0.30 per transaction |
| FX markup | 3-4% above mid-market |
| Effective all-in | ~8.2% (7.4-9% range) |
| USD hold | No (forced automatic INR conversion) |
| FIRA documentation | Weekly Digital FIRA batch (from Feb 2026) |
| PA-CB licence | In-principle (PA-CB-E, export only, May 2025) |
| Dispute fee | ~$8 per chargeback |
| New account fund hold | 21+ days possible |
On a Rs. 10,000 international payment, PayPal deducts approximately Rs. 820 in combined fees versus Razorpay’s Rs. 300. At scale, this gap is substantial. A business processing Rs. 5 lakh per month internationally pays approximately Rs. 23,300 more per month in platform fees on PayPal compared to Razorpay.
The weekly Digital FIRA batch (introduced in February 2026) is an improvement over the previous manual process but remains a batch document covering all transactions in a week, not a per-transaction certificate. This complicates per-invoice GST reconciliation for businesses billing multiple international clients.
Pros:
- Globally recognised brand; some international clients, particularly in the US, may specifically request PayPal payment
- Weekly Digital FIRA batch available from February 2026 without a manual bank request
- Zero setup and maintenance fees
- PayPal World integration with UPI launched in July 2025 for Indian domestic buyers (domestic use case only)
Cons:
- Effective all-in cost of ~8.2% is the highest in this comparison, Rs. 46,600 per Rs. 10L more expensive than Rank 1
- 3-4% FX markup is not transparently disclosed and is applied on forced automatic INR conversion
- No USD hold option: conversion timing is PayPal’s decision, not the merchant’s
- Weekly FIRA batch rather than per-transaction eFIRC complicates individual invoice reconciliation
- In-principle PA-CB status only (export side); full authorisation pending
- $8 dispute fee per chargeback in addition to the transaction fee
- New account fund holds of 21+ days create cash flow risk for businesses with consistent GMV
Best for: The narrow scenario where an international client specifically insists on paying via their existing PayPal balance and will not accept an alternative payment method. Outside that scenario, every platform ranked above delivers higher net INR on the same GMV.
Which international payment gateway works best for each type of Indian business?
| Business Type | Recommended Gateway | Key Reason |
|---|---|---|
| D2C brand selling internationally | Razorpay International | Apple Pay support, 95%+ success rate, lowest fee |
| SaaS company billing global subscribers | Razorpay International | Auto-eFIRC, mid-market FX, full PA-CB, Apple Pay |
| Agency or service exporter with US clients | Razorpay International | Per-transaction eFIRC for GST compliance, low cost |
| Education platform with international students | Razorpay International | Multi-currency checkout, Apple Pay, Google Pay |
| Business already on PayU domestic | PayU International | Same relationship extension, acceptable FX cost |
| Business already on CCAvenue enterprise | CCAvenue International | Privilege plan negotiation possible at high volume |
| Stripe India existing account only | Stripe India | Only if switching cost exceeds fee premium at current volume |
| Client insists on PayPal | PayPal | For that transaction only; redirect future clients |
Which payment gateway is cheapest for receiving international payments from the USA, UK, and UAE?
USA corridor: Razorpay supports US card payments (Visa, Mastercard, Amex), Apple Pay, and Google Pay from US buyers. PayU supports US cards. CCAvenue supports US cards in USD (one of its 27 currencies). Stripe India supports US cards where account is active. On the USA corridor, Razorpay delivers the highest net INR due to lowest fee and mid-market FX, and is the only gateway with Apple Pay for US iPhone users.
UK corridor: Razorpay supports GBP card transactions and Google Pay from UK buyers. PayU supports GBP cards. CCAvenue includes GBP in its 27 currencies. On the UK corridor, Razorpay’s mid-market FX advantage is most pronounced because GBP-to-INR conversions carry larger absolute FX spreads than USD-to-INR, making the gateway’s FX positioning more valuable.
UAE corridor: Razorpay supports AED card transactions. The UAE corridor is card-dominated (no local transfer rails comparable to ACH or Faster Payments). All five gateways support card transactions. Razorpay’s lower fee and mid-market FX positioning again delivers the highest net INR on this corridor.
How do I switch international payment gateways without disrupting my existing setup?
Step 1: Activate the new gateway first. Complete KYC, enable the international payment gateway product, and process a test transaction before going live. Do not shut down the existing gateway until the new one is confirmed operational.
Step 2: Update payment links and checkout. If you use hosted payment links, generate new ones from the new gateway and update them across your website, invoices, and email templates.
Step 3: Notify clients for bank-transfer-based billing. If clients pay by card via a payment link, they simply follow the new link. If you use bank-transfer details (virtual account), send clients updated receiving details with a one-paragraph explanation.
Step 4: Run parallel for 30 days. Keep the old gateway active for 30 days post-migration to catch any client who sends a payment to old details.
Step 5: Confirm eFIRC activation. On Razorpay, confirm that eFIRC auto-generation is enabled in dashboard settings. Notify your CA that inward remittance documentation will now be available per transaction from the Razorpay dashboard.
Frequently Asked Questions
Which is the best international payment gateway for Indian businesses in 2026?
Razorpay International ranks first on total cost for Indian businesses in 2026. At 3% plus GST with mid-market FX positioning, it delivers approximately Rs. 9,64,600 per Rs. 10 lakh of international GMV, compared to PayPal’s Rs. 9,18,000. Razorpay holds a full RBI PA-CB licence (December 2025), is the first Indian payment aggregator with Apple Pay for international customers, and auto-generates eFIRC per transaction. For Indian businesses wanting the lowest total cost from an RBI-regulated platform, it is the strongest option in this comparison.
What is the cheapest international payment gateway for Indian businesses?
On a total cost basis (fee plus FX markup), Razorpay International at 3% plus GST with mid-market FX is the cheapest option in this comparison for Indian-entity businesses. PayU’s stated 3% fee is the same but carries a 1.5-2.5% FX markup on top. CCAvenue’s 3% fee carries an XE-based FX spread. Stripe’s effective all-in is approximately 6.3%. PayPal’s effective all-in is approximately 8.2%. The headline transaction fee is not the number that determines the cheapest gateway; the FX markup is.
Does any Indian payment gateway support Apple Pay for international customers?
Yes. Razorpay International launched Apple Pay for international customers in September 2025 and is the first Indian payment aggregator to offer this capability. International buyers on Apple devices can pay via Face ID or Touch ID at Razorpay-hosted checkouts. No other payment gateway in this comparison has confirmed Apple Pay availability for Indian-entity merchants. For Indian D2C and SaaS businesses with US and UK buyer bases, Apple Pay support is a meaningful conversion variable: published data shows a 58% improvement in payment completion rates when Apple Pay is enabled versus standard card entry forms.
Can Indian businesses use PayPal as an international payment gateway in 2026?
Indian businesses can use PayPal for international payments, but it is the most expensive option in this comparison at approximately 8.2% all-in effective cost (4.4% transaction fee plus 3-4% FX markup above mid-market). PayPal’s PA-CB licence status is in-principle only (PA-CB-E, export side, May 2025), not full authorisation. USD balances cannot be held; INR conversion is forced and automatic. FIRA is issued in a weekly batch, not per transaction. For businesses where a specific client insists on paying via PayPal balance, accepting it for that transaction while directing future invoices to a lower-cost gateway is a reasonable approach.
What is the RBI PA-CB licence and why does it matter?
The RBI PA-CB (Payment Aggregator Cross-Border) licence, introduced in October 2023, authorises payment aggregators to facilitate cross-border transactions for Indian exporters and importers. Three licence tiers exist: Export only, Import only, and Export and Import. The full Export and Import licence (PA-CB-E&I) is the highest standing available. Razorpay holds this full licence, issued in December 2025. Platforms without a full PA-CB licence operate under transitional or in-principle arrangements that may have limitations or face regulatory changes. For Indian businesses choosing an international payment gateway for long-term operations, the platform’s PA-CB licence status is a material compliance consideration.
Is PayU a good international payment gateway for Indian businesses?
PayU is a functional international payment gateway for Indian businesses, with a PA-CB licence and 130+ currency support. Its stated transaction fee is 3% plus GST, identical to Razorpay. However, a FX markup of 1.5-2.5% above mid-market is applied on currency conversion and not separately disclosed, bringing the effective all-in cost to 4-6%. It does not auto-generate FIRC per transaction and does not support Apple Pay or Google Pay for international customers. PayU is most practical for businesses already using PayU for domestic payments who want to extend to international acceptance on the same account relationship.