Accepting international payments from India: from checkout to settlement

A customer abroad is ready to buy

You have agreed the work or published the product. The next question is practical: how does the customer pay, and what happens to that money afterwards? For an Indian business selling internationally, the checkout is only the beginning of that answer.

OurPay offers hosted checkout through its enabled payment provider. Product, customer and order stay connected to the payment, while Finance keeps the provider capture and Seller Payable visible separately. You do not have to reconstruct the sale from a payment notification alone.

Before accepting live international payments, confirm the countries, currencies and methods supported for your account, along with the settlement arrangement. Automatic seller payouts are not currently available in the standard service. Discuss that step with the founders before sending a live payment link.

Price the product in a supported currency

Start with what the customer is buying and the currency you intend to charge. A price should be explicit. If your proposal says USD, the checkout should show the agreed USD amount and billing interval. Do not leave the customer to guess whether a figure is in rupees or dollars.

The currency must be supported by both the product price and the receiving provider account. A currency label on a marketing page does not prove that every account can collect it. Check the actual checkout configuration for the product you plan to sell.

Explain the scope, delivery and refund terms before payment. For a service, include what you will deliver and when. For a subscription, make the renewal interval clear. Good payment records cannot resolve a disagreement about a purchase that was never described properly.

Check the customer’s payment options

PayPal is available in OurPay’s hosted international checkout. The funding options a buyer sees depend on their location, the currency, the provider and the capabilities enabled on the receiving account. Do not promise that every buyer will see the same wallet or card option.

Use a Checkout Link if you want a hosted page without building the checkout interface. If your application needs to supply customer details or order context from the server, use the Checkout API. Both approaches should lead back to a product and an order your team can identify.

Walk through the flow with the intended currency before you publish the link. Check the return path as well as the payment screen. Customers should know where to find the confirmation, how to access the product and who to contact if the payment remains pending.

Wait for a confirmed capture

A customer opening checkout is an attempt. A customer returning from the provider is another event. The payment becomes confirmed when OurPay receives and records the successful provider capture. Keep those states distinct when deciding whether to fulfil an order.

After a confirmed capture, OurPay completes the order and connects the invoice and configured benefits to the customer. Your application can use the order state or the corresponding order event to continue delivery. Avoid granting paid access solely because a browser reached a success URL.

If an attempt is pending, investigate the payment state before asking the customer to pay again. Keep the checkout and provider identifiers attached to the enquiry. Those identifiers let you follow the existing attempt instead of creating a second payment while the first is unresolved.

Read Seller Payable for what it is

Seller Payable is the amount recorded as owed to the seller after the relevant ledger entries. It is not a confirmation that the same amount has arrived in your Indian bank account. Fees, refunds, disputes and supported payout transactions affect that record.

OurPay’s standard service has no automatic seller payout schedule or promised bank arrival time. Saving Indian bank details does not initiate a transfer. Seller verification and the provider’s ability to accept customer payments are also separate from the ability to send a payout.

Agree how settlement will be handled before you collect money from overseas customers. If an external manual settlement is arranged, retain the evidence and discuss how the records will be reconciled. Do not assume an external transfer automatically updates the OurPay payable.

Work out the cost of a real order

Use an order value that resembles your business rather than comparing headline percentages in isolation. Review the current OurPay plan, the processing included in it and any additional costs that apply to your payment or settlement arrangement. Currency conversion and payout charges should be checked where relevant.

Also ask what happens when an order is refunded. The customer receiving a refund does not necessarily mean the original transaction fees are returned. Read the published terms and fee information for the payment route you are using.

Keep the customer’s charge currency, the provider’s records and any eventual settlement currency clear in your own accounting. A converted bank amount may differ from the original order amount. Retain the evidence that explains the difference rather than editing the order to make two unlike figures match.

Keep refunds and disputes with the original sale

When a customer asks for a refund, begin with the order they purchased. Check the payment status, the agreed terms and any previous refund activity. Provider refunds and dispute updates belong to that payment history, so your team can see why the amount owed to the seller changed.

For services, keep evidence of the agreed scope and delivery. For digital products, retain the relevant access or fulfilment record. A payment record says that money moved; it does not by itself show that the customer received what was promised.

Give customers a clear support contact before problems arise. A useful response identifies the order, explains its current state and states the next step. Avoid saying “paid out” when you mean “captured,” or “refunded” when a refund request has only been submitted.

Your launch checklist

International selling is easier to operate when the responsibilities are settled before the first payment. OurPay gives the transaction a consistent home. Your launch checklist should cover the details that make that record useful.

1. 01Confirm account eligibility, provider capabilities and the intended customer countries.
2. 02Create the product with a supported currency and the correct one-time or recurring price.
3. 03Review the customer-facing scope, delivery and refund terms.
4. 04Test the checkout and use confirmed order state for fulfilment.
5. 05Agree seller settlement with the founders before accepting live payments.
6. 06Assign someone to review Finance and handle refunds or payment enquiries.