PayGlocal, an Indian cross-border payments platform, has integrated Google Pay Card Payments into its International Payment Gateway, becoming one of the first payment platforms in India to enable Google Pay for international transactions. With Apple Pay already live on its gateway, the Bengaluru-based fintech now gives Indian merchants access to over one billion customers across more than 90 countries through a single integration. Global buyers can now complete checkout in their local currency with a single tap, eliminating the friction that has long plagued cross-border transactions for Indian exporters.
What Is PayGlocal?
PayGlocal is an RBI-authorized cross-border payments platform incorporated in March 2021 and headquartered in Bengaluru, Karnataka. It was founded by three former Visa senior directors: Prachi Dharani (CEO), Rohit Sukhija, and Yogesh Lokhande (CTO). The platform enables Indian businesses to accept payments from international customers using foreign cards, digital wallets, and alternative payment methods.
The company holds a Payment Aggregator Cross Border Inward and Outward (PA-CB-I&O) authorization from the Reserve Bank of India (RBI), along with a Payment Aggregator Online (PA-O) license received in September 2024. These regulatory approvals allow PayGlocal to facilitate both inbound and outbound cross-border payment flows under RBI supervision.
PayGlocal currently serves over 5,000 businesses across sectors such as e-commerce, travel, education, and SaaS. Its platform supports more than 120 currencies and over 40 payment methods, processing transactions from buyers in 180+ countries. The company has raised around USD 17 million in funding from investors including Peak XV Partners (formerly Sequoia Capital India), Tiger Global Management, and BEENEXT.
What the Google Pay Integration Means
Google Pay Card Payments is the card-linked digital wallet from Google that functions as both an NFC-based tap-to-pay solution at physical stores and an online checkout method. Outside India, Google Pay operates across 86+ countries, supports 60+ currencies, and is integrated with over 6.4 million merchants globally. In the United States, 87% of merchants accept it at checkout, while in the United Kingdom, Australia, and Western Europe, it has become the default tap-to-pay experience for a generation of digital-first consumers.
PayGlocal’s integration means that Indian merchants can now offer Google Pay as a checkout option alongside Apple Pay, which was added to the gateway in October 2025. Together, the two digital wallets give Indian businesses access to over one billion users across the world’s largest consumer markets, including the United States, the United Kingdom, Australia, Canada, the UAE, Singapore, and Western Europe.
Key Features of the Integration
| Feature | Detail |
|---|---|
| Customer reach | Over 1 billion users across 90+ countries |
| Currencies supported | 60+ currencies through Google Pay |
| Markets covered | US, UK, Australia, Canada, UAE, Singapore, Western Europe |
| Implementation | Single integration on PayGlocal’s International Payment Gateway |
| Complementary wallet | Apple Pay already live since October 2025 |
The single integration approach is critical for merchants. Instead of building separate technical connections to each digital wallet provider, a merchant on PayGlocal’s platform gets access to both Google Pay and Apple Pay through one unified gateway integration. This reduces development time, maintenance costs, and operational complexity for Indian businesses of all sizes.
Why This Matters for Indian Merchants
Indian exporters and e-commerce businesses selling to international customers have historically faced a significant challenge at the checkout stage. When a buyer in New York or London tries to pay on an Indian merchant’s website, their foreign card often gets declined due to authentication mismatches, regional fraud filters, or issuer-side blocks. Even when the transaction goes through, customers must manually enter card numbers, CVV codes, and billing addresses across unfamiliar payment forms, leading to high cart abandonment rates.
Digital wallets like Google Pay and Apple Pay solve this problem by using tokenized credentials and biometric authentication. The result is a smoother checkout that consistently delivers higher conversion rates. Industry data shows that wallet-based payments can improve conversion by up to 40% compared to manual card entry, as customers complete purchases faster and with fewer failure points.
Who Benefits
| Stakeholder | Impact |
|---|---|
| E-commerce exporters | Access to high-purchasing-power digital buyers in US, UK, Europe, Australia, and UAE |
| Travel and hospitality | Seamless booking payments from international tourists and business travellers |
| SaaS and edtech platforms | Recurring subscription payments from global customers using preferred wallets |
| Small and medium exporters | No need for expensive separate integrations with each digital wallet provider |
PayGlocal estimates that the Google Pay launch will drive a nearly 40% increase in merchant activations as Indian businesses move quickly to eliminate checkout friction for their global customers. This aligns with the broader government push to boost India’s e-commerce exports, which are targeted to reach USD 200 billion by 2030, up from the current estimated level of around USD 5 billion.
The Bigger Picture: India’s Cross-Border Payments Ecosystem
The integration of global digital wallets into Indian payment gateways is part of a larger transformation underway in India’s cross-border payments landscape. The Reserve Bank of India has made cross-border payment efficiency a central pillar of its Payments Vision 2028, which was announced in March 2026. The Vision document emphasizes simplifying authorizations, reducing regulatory friction for businesses, and strengthening India’s position in the global payments ecosystem.
India is already the world’s largest recipient of remittances, receiving over USD 135 billion in FY25, with these inflows contributing more than 10% to the country’s current account. At the same time, India’s services exports continue to grow, with the country holding a 4.3% share of world services trade. The cross-border B2C e-commerce market is expanding rapidly, with outbound exports from India projected to grow at a CAGR of over 26% through 2031, according to industry reports.
Regulatory Developments
The RBI has been actively expanding the regulated cross-border payments infrastructure. In recent years, the central bank has granted Payment Aggregator Cross Border (PA-CB) licenses to multiple fintech firms including PayGlocal, Razorpay, and Worldline, bringing international payment flows under formal regulatory oversight. These licenses ensure that cross-border transactions comply with the Foreign Exchange Management Act (FEMA), 1999 and the Payment and Settlement Systems (PSS) Act, 2007.
Other Indian payment platforms have also moved to integrate Google Pay for international transactions. Razorpay enabled Google Pay card-based payments on its international checkout in April 2026, signalling a broader industry trend toward wallet-led cross-border payments. This competitive dynamic is expected to benefit Indian exporters by driving innovation, reducing costs, and expanding payment acceptance options.
Key Takeaways
- PayGlocal, an RBI-authorized cross-border payments platform founded in March 2021 by former Visa executives, has integrated Google Pay Card Payments into its International Payment Gateway.
- Indian merchants on PayGlocal can now reach over one billion customers across more than 90 countries through a single integration that covers both Google Pay and Apple Pay (live since October 2025).
- Google Pay globally operates across 86+ countries, supports 60+ currencies, and is accepted at 6.4 million+ merchants, with 87% of US merchants accepting it at checkout.
- Digital wallet-based payments can improve checkout conversion by up to 40% compared to manual card entry, a critical advantage for Indian exporters facing cross-border payment friction.
- PayGlocal holds both PA-CB-I&O (cross-border) and PA-O (online) authorizations from the RBI and has raised USD 17 million from investors including Peak XV Partners and Tiger Global.
- The RBI’s Payments Vision 2028, announced in March 2026, prioritizes cross-border payment efficiency as a strategic goal for India’s digital payments ecosystem.
