How International Card Payments Work
PhonePe uses the Non-DCC payment model, making the process simple and transparent for both you and your customers.
Customer Experience
Your customer shops, enters their shipping details, and pays using an international card, just like a local transaction.
Instant Validation
Our system instantly validates the card, performs a fraud check, and confirms if their bank allows international transactions.
Payment Processing
Once the payment is authorized, the amount is converted from your customer’s currency to INR.
Quick Settlement
Customer Experience: Your customer shops, enters their shipping details, and pays using an international card, just like a local transaction.
For You, The Merchant:
- Always Settle in INR: You receive all payments in Indian Rupees within 1 to 3 working days., so there’s no need to manage foreign currency accounts. This simplifies your accounting and reduces operational effort.
- Improved Trust: Offer a transparent and predictable checkout experience, which builds confidence with your international customers.
For Your Customer:
- Transparent Conversion: Your customer is charged in your currency (INR). Their bank handles the currency conversion later, and they can see the exact rate on their bank or card statement.
- Bank’s Exchange Rate: They benefit from the exchange rate provided by their own bank or card issuer, which they are already familiar with and trust.
