Overview
India is the largest market in the EBANX Asia portfolio. The market is structurally defined by UPI — India's Unified Payments Interface — which accounts for the majority of e-commerce volume and represents one of the most successful real-time payment system deployments globally.
Credit cards and digital wallets play supporting roles, while debit cards have been largely displaced by UPI for online transactions. Digital buyer penetration remains low relative to market size, meaning India's growth story is fundamentally one of new user acquisition at scale. Cross-border demand is concentrated in SaaS and gaming verticals.
Available payment methods
India supports the following payment methods through EBANX. For detailed integration guides, select a payment method from the sidebar or visit the API Operability page.
- Cards: Credit Cards, Debit Cards
- Cash & Codes: UPI
- Recurring: UPI AutoPay, India Card Recurring
Currency and settlement
| Detail | Value |
|---|---|
| Local currency | INR - Indian Rupee |
| Accepted currencies | INR |
Minimum payment amount: INR 1. Maximum payment amount: INR 2,500,000.
Refunds
UPI and Card refunds are processed automatically through the payment provider using the original payment metadata — no customer bank details are collected.
India supports the following merchant verticals: Digital Goods, SaaS, Gaming, and Physical Goods. Physical goods require an HSN Code — see the UPI payment method page for details and integration requirements.
Still need help?
We hope this article was helpful. If you still have questions, you can explore the following options:
- Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
- Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.
