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:
Key Requirements
- ✓Minimum Net Worth ₹25Cr+
- ✓PCI-DSS Level 1 Audit
- ✓Full PMLA Compliance
- ✓Merchant KYC Verification
- ✓FEMA Regulatory Reporting
- ✓Consumer Redressal Desk
The EximPe Advantage
No Local Entity Needed
Accept INR without setting up an Indian company, bank account, or local tax registration.
T+1 Settlement Speed
Receive your cross-border funds globally in 24–48 hours, significantly faster than traditional banking.
Automated Documentation
FEMA-compliant e-FIRA and purpose code classification handled instantly for every transaction.
Developer-First APIs
Modern REST hooks and hosted checkout solutions designed for rapid enterprise integration.
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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