WooCommerce Payment Gateway India: Top Payment Gateways for WooCommerce Stores Abroad

A WooCommerce store outside India can take UPI and cards from Indian buyers without an Indian entity, but the usual WooCommerce payment gateway India plugins rarely help, since most connect to India merchant accounts.

For a store abroad, the best options are 1. Xflow, 2. Razorpay, 3. Stripe, 4. Cashfree, 5. PayU, 6. Paddle and 7. PayPal.

Xflow is a cross-border collection platform that lets businesses outside India accept UPI and card payments from Indian buyers on a hosted, white-label checkout, then settles the money abroad in USD, GBP, EUR, CAD, AUD and more.

It connects to a WooCommerce store through our API rather than a WordPress plugin, and you don't need an Indian entity to use it.

Each WooCommerce payment gateway India option here differs in whether it takes UPI, how it connects to WooCommerce and which currency it pays you in, and those three things decide the right one for your store.

These seven are ranked for a store outside India that needs UPI, has no Indian entity and wants a workable route into WooCommerce.

1. Xflow - best for stores abroad that want a branded INR checkout with UPI and cards, settled in their own currency.
2. Razorpay - best for stores that want to start with payment links and move to a deeper API build later.
3. Stripe - best for stores already on Stripe that can use Stripe Checkout or Payment Links for UPI.
4. Cashfree - best for stores that want no-code payment links or payment pages without a custom build.
5. PayU - best for stores shipping goods that can supply an invoice and airway bill with each order.
6. Paddle - best for software and digital-product sellers happy for Paddle to act as the seller.
7. PayPal - best for stores whose Indian buyers pay by international card or PayPal account.

All seven accept payments from Indian buyers without an Indian entity, though Stripe may ask for an Indian Goods and Services Tax (GST) ID.

For a store abroad, these providers differ most in how they reach WooCommerce. A few install as a plugin, while most use a hosted checkout, payment links or an API your developer connects to your orders, and some add RuPay cards, netbanking or UPI AutoPay.

The route decides how much work stands between you and your first Indian order. Payouts differ as well, since most settle abroad in your currency while PayPal pays into your PayPal balance.

1. Xflow

Best for: businesses outside India that want a branded India checkout with no Indian entity.

Xflow, our cross-border collection platform, lets businesses outside India take UPI and card payments from Indian buyers.

Your developer creates each checkout through our API, your WooCommerce store sends the buyer to our hosted, white-label checkout, and they pay in INR by UPI or card.

We then settle the money abroad through an AD-1 bank, a bank the RBI authorises for foreign exchange.

Key features

• A hosted, white-label checkout that carries your brand, so Indian buyers pay on a page that looks like your store rather than a third-party screen.
• UPI and card payments in one INR checkout, which covers the way most Indian buyers already pay online, from UPI apps on their phones to Visa and Mastercard cards.
• Settlement abroad in USD, GBP, EUR, CAD, AUD and more through an AD-1 bank, so you receive your Indian sales in the currency your business runs on.
• Buyer verification and sanctions screening run inside the checkout, including a PAN request where one is needed, so the India-side checks happen without extra work from your team.

Pros

• You don't need to register a company or open a bank account in India to collect payments from India, so you can start selling to Indian buyers from the business you already run.
• Your developer can test the whole flow first, because test mode lets you simulate successful and failed payments before a real Indian buyer ever reaches the checkout.
• Indian businesses and individual buyers can both pay on the same checkout, which suits a store that sells to consumers and to companies alike.
• We hold final PA-CB authorisation (Payment Aggregator - Cross Border) from the RBI as of Feb 2026, meaning the fully approved stage, and we appear on the RBI's public list.

Cons

• There's no one-click WooCommerce plugin, so your developer connects our hosted checkout to your orders once through our API, and after that your store handles each Indian order through the same checkout.

Verdict: built for a WooCommerce store abroad that wants UPI and cards from Indian buyers on its own brand, settled in its own currency.

2. Razorpay

Best for: stores that want to start with payment links and move to a deeper API build later.

Razorpay International Payments (its Import Flow) lets non-Indian businesses accept payments from Indian customers with no Indian entity.

Its WooCommerce plugin lists India and Malaysia merchants, while Razorpay describes the feature as working across its integrations, so confirm the WooCommerce route with Razorpay before you build.

It holds PA-CB authorisation for inward and outward payments on the RBI's list.

Key features

• Razorpay International Payments, its Import Flow, lets a business registered outside India accept payments from Indian customers without setting up an Indian entity or bank account.
• Indian buyers can pay by UPI, netbanking or Indian-issued cards, including RuPay, Visa and Mastercard, so they can use the domestic methods they already rely on.
• Settlement goes to your overseas account in USD, EUR, GBP, CAD, SGD, AUD and other currencies, so your Indian sales land in the currency you already bank in.

Pros

• UPI AutoPay mandates let a subscription or membership store bill Indian customers on a recurring plan, alongside one-time payments by UPI, netbanking and cards.
• Payment Links and Payment Pages let you start collecting from Indian buyers before any integration work, which suits a store that wants to test demand first.
• Standard, custom and server-to-server integration guides let your developer choose how deep the build goes once you decide to connect it to your store.

Cons

• The feature is switched on by request through a form, so you can only start collecting from India once Razorpay reviews and activates it on your account.
• Stores selling physical goods need an Import/Export code, and import orders need invoices, with an airway bill added where Razorpay asks for one.

Verdict: a broad Indian payment method set with recurring options for a foreign account; you reach WooCommerce through payment links, an API build, or a plugin route Razorpay confirms for your account.

3. Stripe

Best for: stores that already run Stripe and can build on Checkout or Payment Links.

Stripe UPI lets Stripe accounts in 35 countries, including the US, UK, Canada, Australia, Singapore and EU states, accept UPI. You turn it on in the Stripe Dashboard and reach a WooCommerce store through Stripe Checkout, Payment Links or Elements.

Stripe India Private Limited appears on the RBI's list as an online payment aggregator (PA-O).

Key features

• Stripe UPI can be switched on from the Dashboard for Stripe accounts based in 35 countries, including the US, UK, Canada, Australia, Singapore and EU states.
• It works across Stripe Checkout, Payment Links, Elements and Subscriptions, so the same UPI option can sit on whichever Stripe payment flow your developer already uses.
• Buyers on desktop scan a QR code with their UPI app, while buyers on mobile are sent straight to the app to approve the payment.

Pros

• UPI sits on the Stripe account you may already run for other markets, so there's no second provider to onboard just for Indian buyers.
• UPI revenue from India pays out on your standard Stripe schedule, alongside the rest of your balance, which keeps your reporting and reconciliation in one place.
• Recurring UPI runs through UPI AutoPay mandates on the same account, which lets a subscription business bill Indian customers on a regular plan without a separate tool.

Cons

• The official Stripe WooCommerce extension doesn't show UPI, even after you switch it on in the Dashboard, so reaching it from WooCommerce needs Checkout or Payment Links.
• UPI only accepts prices in INR, from 1 to 100,000 INR per payment and up to 15,000 INR per recurring charge, so larger orders need another method.
• Stripe may ask for an Indian GST identification number or certificate before enabling UPI, which a business with no Indian entity may not have.

Verdict: UPI on an account you may already have; getting it into WooCommerce means building past the official extension.

4. Cashfree

Best for: stores that want payment links or payment pages without a custom build.

Cashfree Payments runs a cross-border collection product for international businesses entering the Indian market, and holds PA-CB authorisation for inward and outward payments on the RBI's list.

Its WooCommerce plugin connects to Cashfree's standard merchant account, while its cross-border product connects through payment links and pages, or its API and webhooks.

Key features

• Cashfree's cross-border product is built for international businesses entering the Indian market, and lets them collect from Indian buyers without registering an entity in India.
• Indian buyers can pay by UPI, credit and debit cards, net banking or virtual accounts, which lets them pay from a UPI app, a card or their bank account.
• Settlement arrives abroad in USD, EUR, GBP or another supported currency, so your Indian revenue lands in the account your business already uses.

Pros

• Payment links and payment pages let you take Indian orders without writing code, which gets a store collecting before any developer work is booked.
• Physical goods are covered alongside digital products and digital services, which keeps a WooCommerce store that ships products to India in scope.

Verdict: a no-code way to take UPI and cards from India, physical goods included; WooCommerce orders connect through links or an API build.

5. PayU

Best for: stores that ship physical goods and can send an invoice and airway bill per order.

PayU's cross-border collection product is for merchants outside India who want to serve Indian consumers without an entity in India, and PayU holds PA-CB authorisation for inward and outward payments on the RBI's list.

Its WooCommerce plugin covers the PayU India merchant account, so a store abroad uses the PayU Hosted Payment Page or a server-to-server build.

Key features

• PayU's cross-border product is for merchants outside India who want to serve Indian consumers without setting up an entity in India first.
• Indian buyers can pay by UPI or by NEFT/RTGS bank transfer as well as by card, so they can pay straight from an Indian bank account when they prefer.
• Settlement is available in 100+ currencies through authorised dealer banks, which covers most currencies a store abroad is likely to bank in.

Pros

• Indian buyers can pay with Indian debit cards and netbanking, which checkouts built only around international credit cards usually leave out.

Cons

• Every shipped order needs an airway bill once dispatched, plus an invoice ID and the buyer's name and billing postcode, which adds a step to each order.

Verdict: fits a store that ships goods and can supply the paperwork; each shipped order carries an airway bill and invoice step.

6. Paddle

Best for: software and digital-product sellers, not stores that ship goods.

Paddle is a merchant of record, which means Paddle sells to the buyer itself and the sale sits in its name. There's no official Paddle WooCommerce plugin; a store reaches it through third-party plugins on WordPress.org or a custom build.

Key features

• Paddle acts as the seller of record, which means it sells to your buyer itself and the sale sits in Paddle's name rather than your store's.
• UPI can be switched on in the Paddle dashboard, and buyers paying from India then see it at checkout with prices shown in INR.
• On mobile, Indian buyers pick their UPI app and approve the payment with a PIN or biometrics, while desktop buyers pay by scanning a QR code with their phone.

Pros

• You don't need a bank account in India or a UPI merchant account of your own to offer UPI to Indian buyers through Paddle.
• One-time payments and subscriptions both run on UPI, with renewals through UPI AutoPay, which lets a software business bill new sales and renewals from India the same way.

Cons

• Paddle prohibits physical products and anything that needs physical delivery, which rules out most WooCommerce stores that ship goods to their customers.
• UPI is capped at 100,000 INR per payment and 15,000 INR per renewal, and a checkout with a recurring item above that limit doesn't show UPI.

Verdict: a clean UPI route for software and digital products; stores selling physical goods can't use it.

7. PayPal

Best for: stores whose Indian buyers hold an international card or a PayPal account.

WooCommerce PayPal Payments is PayPal's official plugin for WooCommerce stores. Indian buyers pay by PayPal account or international card, since PayPal ended domestic services in India on 1 April 2021 but still lets Indian users pay merchants abroad.

Key features

• WooCommerce PayPal Payments is PayPal's official plugin for WooCommerce, developed by WooCommerce with PayPal, and it runs on more than 800,000 active stores.
• Buyers see PayPal buttons plus credit and debit card options, so Indian buyers can pay with a PayPal account or an international card.
• Supported currencies include USD, EUR, GBP, CAD, AUD and SGD, so a store abroad can keep pricing its WooCommerce catalogue in the currency it already sells in.

Pros

• The plugin installs from the directory without custom development, which saves developer time when you only need international cards from Indian buyers.
• Buyers in India who already hold a PayPal account can keep paying you with it, since PayPal still supports their international payments.
• Advanced card processing lets you customise the card fields, which keeps card entry closer to your store's own design and branding for Indian buyers.

Cons

• Buyers who want to pay by UPI have no option at your checkout, since the plugin's local payment methods leave UPI out.
• INR isn't a supported currency, so orders from India are priced in another currency such as USD, and buyers see a foreign-currency charge.

Verdict: an install-only route for cards and PayPal accounts; it leaves out UPI, the method behind most of India's digital payments.

A plugin is the quickest install, but for a store outside India it often limits which accounts and payment methods you can use.

Connecting through an API and a hosted checkout, the way we built Xflow, gives you more control in four ways.

• It works for a business outside India - most India payment plugins are built for businesses registered in India, while our checkout is made for businesses based abroad.
• Your buyers see UPI at checkout - a plugin only shows the payment methods it was built to support. Stripe's WooCommerce plugin, for example, doesn't show UPI even after you switch it on in Stripe.
• Your checkout stays on your brand - a hosted, white-label checkout carries your branding, and buyers enter their card or UPI details on the provider's hosted page rather than on your WordPress site.
• You choose what happens after each payment - for example, what your buyer sees if a payment fails, instead of relying on a plugin's default.

The trade-off is a one-time setup by your developer.

A hosted checkout such as Xflow's connects to WooCommerce in five steps. Stripe Checkout, Razorpay, Cashfree and PayU follow a broadly similar redirect-and-confirm pattern, while PayPal installs as a plugin from the WordPress directory.

1. Get your account set up - our team handles onboarding, and you get API keys with a test mode to build against before you go live.
2. Create a checkout for each order - when a buyer places a WooCommerce order, your store uses our API to add the buyer and the INR amount due on the order's invoice, then creates a checkout for it with the WooCommerce order ID in metadata.
3. Send the buyer to the hosted checkout - the buyer lands on your branded checkout and pays by UPI or card, with any buyer checks handled on the same page.
4. Confirm the payment and update the order - the buyer returns to your redirect URL with a checkout ID, and your store confirms the payment by webhook or status check before marking the order paid.
5. Test both outcomes, then go live - simulate a successful and a failed payment in test mode, check that both order states show correctly in WooCommerce, then switch to live mode.

Get these four answers in writing from any provider before your developer starts.

• The WooCommerce route - ask whether the provider's plugin or checkout works for an account outside India, then test how a paid order returns to WooCommerce.
• The licence - PA-CB is the RBI authorisation for providers that collect UPI and other Indian payment methods for merchants abroad, capped at ₹25 lakh per transaction. Card and merchant of record routes work differently.
• The checkout - UPI collects in INR, so your store needs INR prices for Indian buyers, and ask how steps like an OTP will appear.
• The billing rules - check the paperwork each order needs, such as an invoice or airway bill, and the ₹15,000 limit for recurring payments without extra authentication under the RBI's e-mandate rules.

With Xflow, a store abroad gets paid by Indian buyers without setting up anything in India. There's no Indian company to register and no Indian bank account to open.

Your buyers pay by UPI or card in INR on your branded checkout, and we settle the money in USD, GBP, EUR, CAD, AUD and more.

We also handle the India-side checks inside the checkout.

Every buyer is screened for sanctions, a PAN is asked for only when it's needed, and Indian companies and individuals can both pay on the same page, so none of that work lands on your team.

Our PA-CB authorisation from the RBI has been final since Feb 2026, and you can check it on the RBI's public list.

We're backed by General Catalyst, Lightspeed, Square Peg, Stripe, PayPal Ventures and Moore Capital, and certified to ISO 27001 and SOC 2. Setup starts with a conversation with our team, and test mode lets you run the full flow before a real buyer pays.

When you choose a WooCommerce payment gateway for India from abroad, the usual India plugins rarely fit, because most connect to merchant accounts registered in India.

The right choice depends less on the plugin directory and more on which provider can collect UPI from Indian buyers for a business based abroad.

Here's who each option suits best:

• Xflow - if you want Indian buyers to pay by UPI or card on your own branded checkout, and to be paid abroad in your currency with no Indian entity.
• Razorpay - if you want to test Indian demand with payment links before building an integration.
• Stripe - if you already take payments on Stripe and can connect Checkout or Payment Links.
• Cashfree - if you want to collect through links or pages without any developer work.
• PayU - if you ship goods and can supply an invoice and airway bill with each order.
• Paddle - if you sell software or digital products and want Paddle to be the seller.
• PayPal - if your Indian buyers pay by international card or a PayPal account.

Whichever you pick, confirm the route and the paperwork in writing and test a paid order from start to finish. When you're ready, get in touch with our team to set up your hosted checkout.