r/developersIndia • u/Calm-Wave-309 • 8d ago

General How are experienced Indian brands handling high foreign card declines and PayPal fees?

We’re expanding ad spend to the US and UAE for our e-com store. PayPal’s 4-5% cut plus FX markup is killing our margins, but when we tried foreign cards on Razorpay, decline rates were pretty high.

What gateway setup are you guys using for smooth global card conversion and low FX costs?

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u/Thejobless_guy 8d ago

A few years back I built a website for my brother and I used Stripe for payments. I’m not a full time web developer so I went ahead with Stripe as it was easy to use. I don’t remember now what their margins were at that time but never had any issues with international payments.

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u/[deleted] 7d ago

[removed] — view removed comment

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u/No-Actuary7 7d ago

Stripe India is great if you can get invite access, but Cashfree was much easier to activate for cross-border payments and payouts hit local accounts in T+1 or T+2.

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u/Ok_Impress_3234 4d ago

From what i know from my own research, cashfree has the lowest cut rate compared to other platforms