The PayGlocal gateway empowers Indian businesses to seamlessly accept multiple currencies while providing AI-driven fraud protection and FIRC (Foreign Inward Remittance Certificate) support — crucial features for companies serving international customers. It caters to a wide range of users, including Indian exporters and freelancers receiving overseas payments, as well as e-commerce, SaaS, education, and travel businesses with a global clientele. Designed for startups, SMBs, and large enterprises expanding across borders, the platform focuses on transparent pricing, developer-friendly APIs, and enterprise-grade security to ensure compliant and reliable global transactions.
What Is PayGlocal?
| Characteristic | Details |
|---|---|
| Company Name | PayGlocal Technologies Private Limited |
| Founded | 2021 |
| Headquarters | Bangalore, India |
| Ownership | Private, VC-backed |
| Supported Regions | Payments accepted from 180+ countries |
| Currencies Supported | Payments in 130+ currencies; settlements in preferred currencies (terms apply) |
| Industry Focus | E-commerce, SaaS, Education, Professional Services, Travel & Hospitality |
| Merchant Size | Startup, SMB, Mid-Market, Enterprise |
| Payment Methods | International & domestic cards, UPI (India), bank transfers, digital wallets |
| Local Indian Methods | UPI Intent Flow, UPI Collect, UPI QR, Apple Pay, Google Pay |
| Transaction Types | One-time payments, recurring billing, payment links, Buy Now Pay Later |
| Integration | Hosted checkout, payment links/buttons, REST APIs, plugins for WooCommerce, Magento, Wix, Shopify |
| Setup & Monthly Fees | No setup or monthly/annual subscription fees under standard plan (as per company statement) |
| Transaction Fees | From approx. 2.75% per transaction (varies by method and merchant agreement) |
| Compliance | Claims adherence to PCI DSS, ISO 27001/27701, and SOC 2 frameworks (evidence available on request) |
| Security | AES-256 encryption, TLS 1.2+, tokenization, MFA, and regular security audits |
| Risk Management | AI-driven fraud detection, dynamic routing, chargeback handling |
| Onboarding Time | Typically a few business days after documentation and KYC completion |
| Reporting | Merchant portal, API-based reports, and real-time notifications |
| FIRC Support | Provides downloadable Foreign Inward Remittance Certificates for export transactions |
| Customer Support | 24/7 global support with local expertise |
| Company NamePayGlocal Technologies Private Limited | |
| Founded2021 | |
| HeadquartersBangalore, India | |
| OwnershipPrivate, VC-backed | |
| Supported RegionsPayments accepted from 180+ countries | |
| Currencies SupportedPayments in 130+ currencies; settlements in preferred currencies (terms apply) | |
| Industry FocusE-commerce, SaaS, Education, Professional Services, Travel & Hospitality | |
| Merchant SizeStartup, SMB, Mid-Market, Enterprise | |
| Payment MethodsInternational & domestic cards, UPI (India), bank transfers, digital wallets | |
| Local Indian MethodsUPI Intent Flow, UPI Collect, UPI QR, Apple Pay, Google Pay | |
| Transaction TypesOne-time payments, recurring billing, payment links, Buy Now Pay Later | |
| IntegrationHosted checkout, payment links/buttons, REST APIs, plugins for WooCommerce, Magento, Wix, Shopify | |
| Setup & Monthly FeesNo setup or monthly/annual subscription fees under standard plan (as per company statement) | |
| Transaction FeesFrom approx. 2.75% per transaction (varies by method and merchant agreement) | |
| ComplianceClaims adherence to PCI DSS, ISO 27001/27701, and SOC 2 frameworks (evidence available on request) | |
| SecurityAES-256 encryption, TLS 1.2+, tokenization, MFA, and regular security audits | |
| Risk ManagementAI-driven fraud detection, dynamic routing, chargeback handling | |
| Onboarding TimeTypically a few business days after documentation and KYC completion | |
| ReportingMerchant portal, API-based reports, and real-time notifications | |
| FIRC SupportProvides downloadable Foreign Inward Remittance Certificates for export transactions | |
| Customer Support24/7 global support with local expertise |
Pros
- Multi-currency acceptance across 130+ currencies
- No setup or subscription fees under the standard plan
- Built-in FIRC documentation for exporters
- AI-driven fraud detection and dynamic routing
- Developer-friendly APIs and plugin integrations
- Regulatory compliance and transparent pricing
Cons
- Primarily available to India-incorporated merchants
- International card fees may be higher than some global providers
- Plugin ecosystem still evolving for smaller CMS platforms
- Regional payment coverage outside India remains limited
Using PayGlocal: Step-by-Step
- Create Account & Verify KYC – Submit company documents and complete AML/KYC checks.
- Integrate – Use plugins (WooCommerce, Magento, Shopify) or connect via API or hosted checkout.
- Enable Methods – Activate cards, UPI flows, wallets, and recurring payments via the dashboard.
- Go Live – Track payments, settlements, disputes, and FIRCs through the merchant portal.
Security & Compliance
- Frameworks: PayGlocal claims compliance with PCI DSS, ISO 27001/27701, and SOC 2 standards.
- Encryption: AES-256-GCM for data at rest; TLS 1.2+ for data in transit.
- Fraud Controls: Machine learning-based anomaly detection and smart routing.
- Chargeback Handling: Automated workflows and configurable risk rules.
⚠️ Merchants should request official certification evidence for PCI DSS, ISO, and SOC 2 compliance.
Fees & Pricing
- Setup Fees: None under the standard plan.
- Transaction Fees: From approx. 2.75% per card/international transaction.
- Multi-Currency Account: Pricing varies based on corridor and agreement.
- Other Costs: Scheme, FX, or dispute-related fees may apply.
Merchant Eligibility & Coverage
- Merchant Eligibility: Primarily for India-incorporated businesses and exporters.
- Customer Coverage: Buyers from 180+ countries.
- Currencies: 130+ accepted.
- Regions: Asia, Europe, North America, South America, Oceania.
- Local Methods: UPI (India), Apple Pay, Google Pay, and other regional options.
Expert Assessment
In our assessment, PayGlocal is a strong choice for Indian businesses with global operations. Its combination of regulatory rigor, technical integration flexibility, and FIRC support distinguishes it from traditional domestic gateways. However, it is less suitable for non-Indian or individual merchants.
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Conclusion
PayGlocal provides a modern, compliant solution for cross-border payments tailored to Indian exporters and digital-first businesses. With 130+ currency support, strong security standards, and transparent pricing, it stands out as a reliable partner for companies scaling globally.
(Reviewed and verified October 2025)
FAQ
Can I accept payments from the US, Europe, and Australia?
Yes, Indian-registered merchants can accept international card and wallet payments from these regions.
How long does onboarding take?
Typically a few business days after KYC verification.
What security standards does PayGlocal follow?
It claims adherence to PCI DSS, ISO 27001/27701, and SOC 2 standards, and uses AES-256 encryption and tokenization.
What are the fees?
No setup or monthly fees under the standard plan. Transaction fees start at approximately 2.75%.
Can individuals use PayGlocal?
Typically not available for individual or non-India-incorporated entities — eligibility must be verified.
