Regulatory Infrastructure

PA-CB License: India's Gateway for Cross-Border Payments.

Understand the RBI PA-CB license framework and how EximPe's final license enables international businesses to legally accept payments from India.

What is the PA-CB License?

The Payment Aggregator – Cross Border (PA-CB) license is issued by the Reserve Bank of India. It specifically governs entities that facilitate cross-border payments — enabling Indian consumers to pay international merchants securely and legally.

This framework formalizes the rules for cross-border trade, ensuring consumer protection, strict anti-money laundering (AML) compliance, and legitimate Foreign Exchange (FX) handling.

Institutional Grade Compliance

EximPe holds a final (not just in-principle) PA-CB license, placing it among a select group of authorized entities in India.

Licensed Entities

As of 2026, approximately 25 entities hold the final PA-CB license. Notable holders include:

EximPeAmazon PayRazorpayCashfreeAdyenPayUWorldlineBillDesk

Key Requirements

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    Minimum Net Worth ₹25Cr+
  • ✓
    PCI-DSS Level 1 Audit
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    Full PMLA Compliance
  • ✓
    Merchant KYC Verification
  • ✓
    FEMA Regulatory Reporting
  • ✓
    Consumer Redressal Desk

The EximPe Advantage

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No Local Entity Needed

Accept INR without setting up an Indian company, bank account, or local tax registration.

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T+1 Settlement Speed

Receive your cross-border funds globally in 24–48 hours, significantly faster than traditional banking.

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Automated Documentation

FEMA-compliant e-FIRA and purpose code classification handled instantly for every transaction.

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Developer-First APIs

Modern REST hooks and hosted checkout solutions designed for rapid enterprise integration.

Related Trade Solutions

Accept Payments

Collect INR payments.

PSP Partnership

Add India to your platform.

UPI for Global

Accept India's #1 method.

RBI PA-CB Licensed
PCI-DSS Compliant
DBS Bank Partner
Yes Bank Partner
ISO 27001

Frequently Asked Questions

Common questions about the RBI PA-CB license and cross-border payments.

PA-CB stands for Payment Aggregator – Cross Border. It is a license issued by the Reserve Bank of India (RBI) that authorizes entities to facilitate cross-border payment transactions involving Indian buyers and international merchants.

Without a PA-CB licensed partner, international businesses cannot legally accept INR payments from Indian customers. The license ensures RBI compliance, consumer protection, and legitimate FX conversion.

Approximately 25 entities have received the PA-CB license from RBI. EximPe is among them, having received the final license (not just in-principle approval).

In-principle approval is a preliminary nod. Final license is granted after meeting strict capital, technology, and audit requirements. EximPe holds the final PA-CB license.

No. By partnering with EximPe (a licensed PA-CB), you can accept Indian payments through our infrastructure. We handle all regulatory compliance on your behalf.

Still have questions? Our support team is here to help 24/7.

Leverage EximPe's PA-CB license to accept payments from India

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