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EximPe vs PayGlocal
PayGlocal vs EximPe: A Direct Comparison for Foreign Merchants Collecting INR
PayGlocal and EximPe are both final RBI PA-CB licensees, and both target foreign merchants collecting INR without requiring an Indian entity. The decision usually comes down to product-surface specifics rather than license posture: UPI as a first-class payment method or not, NetBanking and Indian-wallet depth, settlement-currency breadth, and onboarding speed for a foreign-incorporated buyer. This page compares the two head-to-head on the dimensions that matter — payment-method coverage, settlement flow, and the operational details a procurement buyer asks about — with neutral 'confirm with provider' stubs where verifiable parity data is not public for one side.
What PayGlocal does well
PayGlocal is one of the few RBI Payment Aggregator – Cross Border licensees explicitly positioned for cross-border merchants. The product surface covers card acceptance from Indian customers and settles internationally to the merchant's overseas account, and the team carries serious institutional backing on the cap table.
For a foreign merchant whose payment-method priority is "international card acceptance with multi-currency settlement, no Indian entity required," PayGlocal is a credible licensed option. The decision usually comes down to product-surface specifics — payment-method depth, integration shape, settlement-currency breadth, onboarding speed — rather than license posture, because both EximPe and PayGlocal hold the relevant final PA-CB license.
What EximPe does differently
EximPe ships UPI, NetBanking, cards, and Indian wallets out of one integration. The product is built UPI-first, reflecting where the bulk of Indian digital-payment volume sits today; the calculator on the Stripe comparison page quantifies the recoverable revenue when UPI is added as a parallel rail. NetBanking, all major card schemes, and the popular Indian wallets sit alongside as additional rails the same checkout exposes.
The integration surface is developer-first: a modern REST API, hosted-checkout option, sandbox flow with test buyers in INR, and SDKs that drop into Shopify / WooCommerce / custom Node and Python stacks. FEMA-compliant e-FIRA generation and purpose-code classification are produced automatically per transaction. Settlement covers 30+ currencies direct to overseas bank accounts, with the merchant choosing the settlement currency at onboarding.
The onboarding flow is geared to foreign-incorporated merchants from day one — the foreign entity is the merchant of record, no Indian counterpart required, KYC happens on the foreign documents, and the target time-to-live is approximately 48 hours including the regulatory checks.
EximPe vs PayGlocal — at a glance
| Capability | EximPe | PayGlocal |
|---|---|---|
| RBI PA-CB license | Yes (final) | Yes |
| UPI | Yes (UPI-first) | Confirm with provider |
| NetBanking | Yes | Confirm with provider |
| Cards from Indian customers | Yes | Yes |
| Indian wallets (Paytm/PhonePe/GPay) | Yes | Confirm with provider |
| UPI AutoPay (recurring) | Yes | Confirm with provider |
| Settlement currencies | 30+ | Confirm with provider |
| Settlement timing | T+1 | Confirm with provider |
| Onboarding time | ~48 hours incl. KYC | Confirm with provider |
| e-FIRA / FEMA documentation | Automated per-transaction | Confirm with provider |
When PayGlocal is right
PayGlocal is a fit when your priority is card acceptance with international settlement and your Indian customer base is accustomed to card-only checkout flows. The PA-CB license posture is the same as EximPe; the call between the two comes down to feature surface specifics rather than regulatory legitimacy. If your buyers reliably present international cards and the elevated decline rate on Indian-issued cards out of India is acceptable risk, the PayGlocal flow may match how you want to receive payments.
When EximPe is right
EximPe is the right call when you need UPI as a first-class payment method — the rail where the bulk of Indian digital-payment volume actually moves today — alongside cards, NetBanking, and Indian wallets in a single checkout. It also fits when you need recurring billing via UPI AutoPay (the Indian-native subscription rail), or when you want direct multi-currency settlement to your overseas bank without a downstream FX conversion hop.
The shorthand: if your business model assumes UPI is a primary rail rather than a nice-to-have, the choice tilts toward EximPe. If you can build the business on card-only Indian volume, both options are credible and the decision moves to specific feature parity questions worth checking on a demo with each provider.
Frequently Asked Questions
Common questions about EximPe vs PayGlocal.
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