Razorpay, one of India’s leading fintech companies, has received the Reserve Bank of India’s cross-border payment licence. This marks a major milestone for the company and for Indian businesses looking to operate internationally. The licence allows Razorpay to legally send and receive payments across borders, opening new avenues for exporters, SaaS companies, D2C brands, and freelancers who want to receive money from clients around the world. For a growing number of businesses aiming to expand globally, this step ensures that international transactions are now faster, smoother, and fully compliant with Indian regulations.
Simplifying Global Payments for Indian Businesses
For Indian companies, accepting payments from international customers has often been a complex process, involving multiple intermediaries and regulatory approvals. With Razorpay’s cross-border licence, this process becomes seamless. Businesses can now receive payments in over 130 currencies through multiple methods, including credit and debit cards, wallets, and bank transfers. Razorpay’s platform ensures a high success rate for transactions, giving companies confidence that their payments will be processed efficiently. This development is particularly valuable for startups and small businesses that may not have the resources to manage complicated international payment processes.
Bridging the Gap for Foreign Companies
The licence also benefits foreign companies that want to sell products or services in India. Previously, foreign businesses had to establish local entities or navigate complex banking requirements to accept payments from Indian customers. Razorpay’s platform eliminates these barriers by allowing international firms to accept payments in Indian Rupees with local payment options like UPI, net banking, and credit cards. The platform also provides features such as secure OTP-based checkouts and dedicated customer support, making it easier for foreign companies to enter the Indian market and serve local customers effectively.
Building Trust Through Regulation
One of the most important aspects of this development is the regulatory backing from RBI. The licence ensures that all cross-border transactions processed through Razorpay are fully compliant with Indian financial regulations. This adds a significant layer of security and trust, which is crucial for businesses handling international payments. Companies can now focus on growth and expansion without worrying about regulatory hurdles, fraud, or transaction delays. The RBI’s approval signals confidence in Razorpay’s technology and operational standards, making it a trusted partner for businesses looking to expand globally.
A New Era for Startups and Global Commerce
Razorpay’s cross-border licence is a game-changer for the Indian startup ecosystem. Small and medium enterprises, exporters, and freelancers now have a reliable way to receive payments from overseas clients, while foreign businesses can tap into the Indian market more easily. The move reflects Razorpay’s vision of making global commerce as simple as domestic transactions, allowing businesses of all sizes to compete internationally. By combining regulatory compliance, technology, and ease of use, Razorpay is helping Indian businesses scale globally while providing foreign companies with a smooth entry into India’s growing digital economy.
In short, this licence represents more than just regulatory approval—it is a step toward seamless global commerce. For Indian businesses, it opens doors to new markets and opportunities. For foreign firms, it simplifies entry into India. Razorpay’s move strengthens India’s position in global fintech and creates a more connected, secure, and accessible international payment ecosystem.