What PayGlocal Technologies does

PayGlocal Technologies Private Limited is an India-headquartered, RBI-authorized cross-border payments platform founded in 2021 and operating from Bangalore, Pune and Gurugram with 70+ employees. The company enables Indian merchants, freelancers, exporters and enterprises to accept international payments through a unified stack covering card processing (Visa, MasterCard, RuPay, Amex), 40+ alternate/local payment methods (Klarna, GrabPay, Sofort, iDEAL, BLIK, AliPay, UPI), digital wallets (Apple Pay launched October 2025, Google Pay launched June 2026), multi-currency accounts across 33+ currencies, and recurring billing via network-compliant standing instructions.

The platform's core technology is a patented Payment Orchestration Engine that enhances transaction messages and applies intelligent routing to maximize international approval rates (reported at 88–92% across merchant case studies), layered with an AI/ML fraud and risk engine, a Zero-Knowledge Proof-based sanctions screening product (SamruddhiX) and an AI-driven WhatsApp assistant (Echo). The platform processes 500M+ API requests per day with a stated 100% uptime, supports 130+ currencies and is certified to PCI DSS v4.0.1, ISO/IEC 27001:2022, ISO/IEC 27701:2019, PCI SSF and SOC 2 Type II, in addition to RBI PA-CB-I&O and PA-O authorization (Certificate No. 250/2025).

PayGlocal operates a pure transaction-fee revenue model (2.75% on international card processing and 0.25% on multi-currency account flows) with no setup, platform or documentation charges, monetizing take-rate on volume processed. Go-to-market is hybrid: API-first integration with developer documentation for technical buyers, native plugins across Shopify, WooCommerce, Magento, OpenCart, Wix and Shopaccino for SMB e-commerce, a no-code/self-serve tier with payment links, and a direct enterprise sales motion backed by dedicated account managers and 24x7 support. The company has raised approximately $16.8M in total disclosed funding (December 2021 seed led by Peak XV Partners and a June 2022 round led by Peak XV Partners and Tiger Global Management), and serves enterprise customers including MakeMyTrip, ixigo and PolicyBazaar alongside a growing base of D2C and SMB exporters.

Name

PayGlocal Technologies

Legal name

PayGlocal Technologies Private Limited

Website

https://payglocal.in

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

101–250 employees

Short description

PayGlocal Technologies is an India-based, RBI-authorized cross-border payments platform that enables merchants, freelancers and enterprises to accept international card payments, alternate payment methods, and digital wallets (Apple Pay, Google Pay) across 130+ currencies via a patented orchestration engine.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Cross-border Payments & FX for E-commerce (CRAFALAF), Marketplace & Platform Seller Payouts (FSAMAKAE)

Keywords

• Cross-border payments
• Payment orchestration
• Multi-currency accounts
• International card processing
• Merchant payment gateway

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. Transaction Processing Fees: Pay-per-transaction model with no fixed costs, platform fees, or setup fees. Merchants pay only when they successfully collect payments. Fees are charged as percentage of transaction volume for multi-currency accounts and international card processing.
2. Multi-Currency Account Fees: 0.25% fee for multi-currency account transactions. Supports USD, GBP, EUR, CAD, AUD, DKK, SEK, HUF, CHF with 33+ global currencies via global currency account.
3. International Card Processing: 2.75% fee for international card transactions. Supports Visa, MasterCard, RuPay, and other major card networks.
4. Custom Enterprise Pricing: Volume discounts, platform discounts (e.g., Amazon Global), and multi-product discounts for high-volume enterprise merchants requiring custom pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

PayGlocal Technologies operates a unified cross-border payment platform that enables Indian merchants, exporters, freelancers, and enterprises to accept international payments via credit/debit cards (Visa, MasterCard, RuPay, AmEx), 30+ local payment methods (Klarna, GrabPay, Sofort, BLIK, AliPay, UPI, etc.), and digital wallets (Apple Pay, Google Pay). The platform combines a patented Payment Orchestration Engine with multi-currency accounts in 33+ currencies, AI/ML-based fraud detection, RBI-authorized compliance infrastructure, recurring billing with standing instructions, and one-tap checkout experiences.

Product overview

PayGlocal Technologies operates as a cross-border payments platform offering a modular product portfolio centered on its International Payments Platform (One Platform) as the core orchestration layer. The platform provides Card Payments processing, Dynamic Checkout, Global Payment Methods (40+ alternate payment methods), Recurring Payments with standing instructions, and Multi-Currency Accounts for collecting in 33+ currencies. Add-on modules include SamruddhiX for AI-powered sanctions screening using Zero-Knowledge Proof, and Echo for AI-powered WhatsApp payment automation. The platform is complemented by BBPS for domestic bill payments. PayGlocal holds RBI authorization as Payment Aggregator - Cross Border (Inward & Outward) and Online Payment Aggregator.

Differentiator

Problem solved

Functional benefit

Brands

• SamruddhiX: Sanctions screening tool with privacy and precision, featuring zero-knowledge proof technology for AML compliance.
• Echo

Products and services

• International Payments Platform (One Platform) A unified platform for all international payment needs that accepts payments through all major cards and global payment methods using payment links, buttons, and automated Recurring Payments. Built for Indian merchants, freelancers, and enterprises selling internationally.
• Card Payments Unified dynamic checkout for global customers to pay through global credit and debit cards, featuring payment orchestration, local currencies, end-to-end encryption, and embedded risk engine. Supports Visa, MasterCard, RuPay, and all major international and domestic cards.
• Dynamic Checkout A customizable, fast, and secure checkout experience optimized for global customers with localized currency presentation and multiple payment method options. Designed for merchants selling internationally.
• Global Payment Methods Adds 40+ local payment methods to checkout including Klarna, GrabPay, Sofort, Trustly, eps, giropay, MyBank, GoPay, BLIK, Przelewy24, UPI, iDEAL, AliPay, and Zip, enabling merchants to reach non-credit-card customers across global markets.
• Recurring Payments Network-compliant global solution for executing subscriptions, recurring billing, and unscheduled debits on international card payments with mandate validation during registration for higher success rates.
• Multi-Currency Accounts Multi-currency account infrastructure supporting collection in USD, GBP, EUR, CAD, AUD, DKK, SEK, HUF, CHF and 33+ global currencies via SWIFT and local rails, with instant FIRA generation and transparent FX pricing.
• SamruddhiX (Sanctions Screening) Privacy-first sanctions screening solution using Zero-Knowledge Proof (ZKP) technology. Screens against 300+ sources including OFAC, UNSC, EU, and HM Treasury. AML-AI API provides intelligent scoring with audit-ready decisions.
• Echo (AI WhatsApp Assistant) AI-powered WhatsApp assistant that simplifies payments, automates workflows, and enables businesses to operate through conversation. Creates and sends payment links in under 10 seconds, checks payment status, manages disputes, and supports 15+ languages.
• BBPS (Bharat Bill Payment System) RBI-mandated bill payment system offering bill collection across various utility service categories through a single window, allowing customers to make utility bill payments via PayGlocal's dedicated BBPS payment page.

Quantifiable outcome

• International payment success rates of 88-92% for merchants (The Loom: 88-90%, Gifts to India: 90-92%)
• +6 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability5 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core.

• GooglecoreTechnology or Integration · 29 June 2026Google Pay Card Payments integration enabling Indian merchants to accept payments from consumers in US, UK, Australia, Canada, UAE, Singapore, and Western Europe. One of the first Indian platforms to support Google Pay for global transactions. Expected to drive nearly 40% increase in merchant activations. Google Pay accepted across 86 countries and 60+ currencies.
• ApplecoreTechnology or Integration · 1 October 2025Apple Pay integration launched Oct 1, 2025, enabling Indian merchants to accept one-tap payments from 500M+ Apple Pay users across US, UK, UAE, Singapore, Australia, Canada, and more. PayGlocal powers the complete Apple Pay journey including compliance, authentication, and settlement with 95%+ authorization rate on eligible transactions.
• ShopifycoreTechnology or IntegrationNative Shopify plugin integration enabling inline flow for frictionless checkout. Indian Shopify merchants can seamlessly add PayGlocal as their international payment gateway with minimal setup.
• WooCommercecoreTechnology or IntegrationNative WooCommerce (WordPress) plugin enabling international payment acceptance for WordPress-based e-commerce stores.
• Magento (Adobe Commerce)coreTechnology or IntegrationNative Magento plugin for enterprise e-commerce stores requiring cross-border payment acceptance capabilities.
• AD Category-I Banks (Banking Partners)coreTechnology or IntegrationPayGlocal operates international payment services as a technology platform in arrangement with AD Category-1 Banks for cross-border transaction services. The bank provides Export Collection Account and NOSTRO Account facilities for foreign currency settlement. Settlement Amount is settled from Export Collection Account to User Bank Account in INR.
• KlarnacoreTechnology or IntegrationAlternative payment method available on PayGlocal's platform — enables 'Buy Now, Pay Later' payments for merchants targeting consumers in markets where Klarna is prominent (Europe, US, Australia).
• GrabPaycoreTechnology or IntegrationAlternative payment method (digital wallet) supported on PayGlocal platform for Singapore market. Transaction limits: SGD 0.01 minimum; SGD 3,000 basic wallet / SGD 5,000 premium wallet maximum.
• Local Payment Method Providers (BLIK, GoPay, AliPay, UPI International, Sofort, Trustly, eps, MyBank, Przelewy24)coreTechnology or Integration20+ local payment methods supported across PayGlocal's platform targeting specific international markets. 77% of online purchases in 2021 were made using local payment methods. These methods reduce card decline rates and chargeback risk for merchants.
• Card Networks (Visa, MasterCard, RuPay, American Express)coreTechnology or IntegrationPayGlocal supports all major international and domestic card networks for online debit and credit card payment processing. Apple Pay and Google Pay are additional digital wallet layers on top of these networks.

Scale indicators14 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Razorpay: India's largest full-stack payment aggregator, also a PA-CB licensee. Razorpay competes head-to-head with PayGlocal in cross-border payments for Indian merchants, with a broader product portfolio (gateway, payouts, lending, banking) and significantly larger scale.
• Cashfree Payments: Indian payment aggregator and PA-CB licensee offering cross-border payment collection, payouts, and multi-currency accounts. Directly comparable to PayGlocal across target segments (exporters, enterprises, D2C) and product surface area.
• XFlow: India-focused cross-border payments platform for freelancers, SaaS, and services exporters. Holds RBI PA-CB license and competes in nearly identical target segments to PayGlocal.
• Skydo: Cross-border B2B payments startup also granted RBI PA-CB license. Targets Indian exporters and services businesses — the same exporter and SaaS segments PayGlocal serves.
• Airwallex: Global cross-border payments and multi-currency account platform serving SMBs and enterprises. Competes with PayGlocal on cross-border collection, FX, and global payment-method coverage, though with far greater geographic footprint and funding.
• Wise: Cross-border money movement specialist (formerly TransferWise) with multi-currency accounts and FX at the core. Competes with PayGlocal on freelancer and SMB cross-border collection, particularly for remittance and services-export flows.
• Payoneer: Cross-border B2B payments platform serving freelancers, marketplaces, and SMBs. Overlaps with PayGlocal on freelancer collection, marketplace payouts, and multi-currency accounts for Indian exporters.

Broad incumbents

• Stripe: Global payment processing incumbent with growing cross-border and APM capabilities. Competes with PayGlocal for large Indian exporters and enterprises, though Stripe is a far broader platform serving customers in 46+ countries.
• Adyen: Global enterprise payment platform covering card acquiring, cross-border, and APMs at scale. Competes for the same enterprise Indian merchants (MakeMyTrip-tier customers) with a unified global acquiring model rather than India-specific orchestration.

Emerging players

• PingPong: Cross-border payments provider focused on e-commerce sellers and marketplaces. Comparable to PayGlocal in serving exporters selling on Amazon Global and similar marketplaces, though primarily China-anchored rather than India-anchored.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PayGlocalHQ
• YouTubeyoutube.com/channel/UC9WNIlG_V-PDFdk4C6Vt72A
• Facebookfacebook.com/payglocal
• LinkedInlinkedin.com/company/payglocal
• Instagraminstagram.com/payglocal.in

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayGlocal Technologies