PayGlocal

PayGlocal is a fintech startup that specializes in cross-border payment solutions for Indian merchants. The platform enables businesses to accept payments from customers in over 180 countries and 50+ currencies, supporting 40+ global and local payment methods. With advanced AI-driven fraud prevention, multi-currency management and seamless API integration, PayGlocal simplifies international transactions while ensuring high success rates and regulatory compliance. Backed by investors like Tiger Global and Peak XV Partners, PayGlocal is rapidly becoming a trusted partner for Indian businesses scaling globally.

Products & Services 

• Global Payment Acceptance: Accept payments in 130+ currencies from 180+ countries using international and domestic cards and 20+ global/local payment methods.

• Multi-Currency Account Stack: Manage, collect and settle payments in multiple currencies with transparent pricing and instant notifications.

• Customizable Payment Flows: Tailor checkout experiences, enable recurring payments, set up payment links or buttons and manage subscriptions—all through a unified platform.

• Advanced Fraud & Risk Management: AI/ML-powered risk engine, dynamic routing and end-to-end encryption to maximize approval rates and minimize fraud.

• Seamless Integration: Single API or plugin integration for all features, with modular options for businesses of any size.

• Real-Time Reporting & Dashboard: Track transactions, manage refunds, access downloadable compliance documents and analyze payment performance from one dashboard.

• Enterprise Solutions: Custom roles, access controls and tailored workflows for large organizations needing flexibility and security.

Business Model & Revenue Streams

• Transaction Fees: Primary revenue from per-transaction charges on international and domestic payments processed through its platform. This includes card payments, alternative payment methods and multi-currency transactions.

• Subscription & Service Fees: Charges for premium features, advanced risk management, API access and dedicated support for enterprise clients.

• FX & Currency Conversion: Revenue from dynamic currency conversion and foreign exchange spreads when merchants accept payments in multiple currencies.

• Integration & Customization: Fees for custom integrations, onboarding and tailored payment solutions for large merchants or partners.

• Value-Added Services: Additional income from fraud management, chargeback handling, compliance reporting and marketplace settlement services.

Customer Segmentation

• Large Enterprises & Export Merchants: Businesses with significant cross-border sales needing multi-currency, high-volume payment acceptance and advanced risk management.

• SMEs & MSMEs: Small and medium-sized Indian businesses expanding globally, requiring easy integration, flexible payment options and compliance support.

• E-commerce Merchants: Online sellers and marketplaces accepting international payments from global customers in their local currencies.

• SaaS & Digital Service Providers: Companies offering software, subscriptions or digital products to international clients needing recurring and seamless payments.

• Freelancers & Individual Sellers: Professionals and small sellers collecting payments from overseas clients, benefiting from payment links and simple onboarding.

Growth Strategy

• Market Expansion: Scaling operations across India and targeting new merchant segments, including SMEs, MSMEs and large exporters.

• Product Innovation: Investing in AI, agentic tools and new payment methods to enhance platform capabilities and user experience.

• Regulatory Leadership: Leveraging RBI Payment Aggregator license to onboard more merchants and ensure compliance.

• Strategic Partnerships: Building alliances with banks, marketplaces and global payment networks to expand reach and service offerings.

• Customer-Centric Approach: Enhancing support, transparency and merchant education to foster long-term relationships and loyalty.