Accept Card Payments fromAnywhere in the World
Accept global card payments via links, hosted checkout, or API. We handle international card rails, FX conversion, and RBI-compliant INR settlement.
Four ways your customers can pay by card.
Start with Pay by Link in minutes and no code. Or go fully integrated via API for an embedded payment experience inside your product.
Pay by Link
No setup. No code. Ready in seconds.
Generate a payment link from your Xchangepe dashboard and share it via email, WhatsApp, or your invoice. Your overseas client clicks the link, pays by card, and you receive INR — without any technical integration.
- ›Create a link for any amount in any of 120+ currencies
- ›Client pays in under 2 minutes on any device
- ›INR credited to your account the next business day
- ›FIRA generated automatically for every payment
Hosted Checkout
A branded payment page — no dev work needed.
Redirect your buyer to an Xchangepe-hosted checkout page. They enter their card, approve the amount, and you receive settlement in INR — a polished checkout experience without engineering overhead.
- ›Supports Visa, Mastercard, and American Express
- ›Buyer pays in their local currency across 120+ currencies
- ›Secure redirect via the paymentLink returned by the API
- ›No PCI compliance burden on your servers
API Integration (Direct Mode A)
Server-to-server. Full control for your team.
Use the Xchangepe card API to embed payments directly inside your product. Your backend creates an order, gets a paymentLink, redirects the customer, and receives a signed callback when payment completes — no iframe, no SDK lock-in.
- ›REST / JSON — sandbox at sandboxapi.xchange.pe
- ›HMAC-SHA256 signed requests and callbacks
- ›Webhooks (callbackUrl) for real-time payment results
- ›Status polling API for reconciliation
Recurring / Auto-Debit
Set it once. Get paid on schedule.
For SaaS companies, retainer-based agencies, and subscription businesses. Your client authorises their card once, and Xchangepe charges it automatically on your billing cycle — weekly, monthly, or custom.
- ›Weekly, monthly, and custom billing cycles
- ›Card-on-file with secure tokenisation
- ›Automatic retry on failed charges
- ›FIRA issued for every successful billing cycle
Built for every business category.
Xchangepe card collections support 7 service types — each with specific data requirements for international card fraud scoring and RBI compliance.
Online Services & SaaS
ONLINE_SERVICEPhysical Goods Export
PHYSICAL_GOODS_DELIVERYFlight Booking
FLIGHT_BOOKINGHotel & Lodging
HOTEL_BOOKINGBus Booking
BUS_BOOKINGTrain Booking
TRAIN_BOOKINGCab / Ride Booking
CAB_BOOKINGMore coming soon
Talk to usKeep more of every sale.
Typical gateways take their cut twice — a processing fee you can see, and an FX markup buried in the spread. Xchangepe converts at a transparent, interbank-benchmarked rate, so you know your INR amount before settlement.
- No gateway markup hidden in the FX spread
- INR credited the next business day, not next week
- Card data never touches your servers — no PCI burden
FX markup computed live from the USD/INR interbank rate on a $10,000 card sale settled to INR. Settlement, chargeback and PCI rows are indicative. Actual savings depend on your gateway's fees and FX spread.
End-to-end payment flow.
From order creation to INR in your account — fully automated, signed at every step.
Create Order
Your server POSTs an order with amount, currency, and serviceType.
POST /open/card/payment/createRedirect Customer
API returns a paymentLink — redirect customer immediately.
Customer Pays by Card
Buyer enters Visa, Mastercard, or Amex on the hosted checkout page.
GET /open/card/payNow/{id}Signed Callback to You
Xchangepe POSTs a signed result to your callbackUrl for fulfilment.
Everything built in — nothing to bolt on.
No third-party tools, no manual reconciliation, no compliance guesswork.
120+ Currencies
Accept from clients in the US, Europe, UK, Southeast Asia, and beyond — all in their local currency.
All Major Cards
Visa, Mastercard, and American Express — the cards your global clients actually use.
FIRA Auto-Issued
Foreign Inward Remittance Advice generated automatically for every card payment — download instantly.
HMAC-SHA256 Security
Every request, redirect, and callback is signed. Verify the signature — never trust unverified redirects.
Transparent FX
See the exact INR rate before settlement. No hidden spreads, no surprise deductions from correspondent banks.
Sandbox + Test Cards
Full sandbox environment with test cards covering success, decline, invalid CVV, and insufficient-funds scenarios.
The rails you trust for wires, now for cards.
Every customer, anywhere, can now pay you by card — settled through the same transparent-FX rails you already trust for bank transfers.
FIRA on Every Card Sale
The same RBI-aligned FIRA issuance you rely on for wires, now covering card sales — automatically, on every settlement.
No New Relationship
Cards run through the collection setup you already have with Xchangepe — same KYC, same dashboard, same support team.
One Rate, Everywhere
A single transparent FX rate benchmarked to the interbank rate — whether your customer wires the money or swipes a card.
Compliance, inherited — not integrated.
andhour holds the card-security certifications, so card data never sits in your systems — and Xchangepe keeps every settlement RBI-compliant.
Built for businesses that bill globally.
Card collection works best when your buyers are individuals or businesses that pay online — not just via wire transfer.
SaaS & Software Companies
Charge global subscribers monthly without manual invoicing.
ONLINE_SERVICETravel & Hospitality
Flight, hotel, bus, train, and cab bookings — each with the right data schema for international card acceptance.
FLIGHT_BOOKING +4Physical Goods Exporters
Collect payment on export orders with shipping data validation built into the card risk model.
PHYSICAL_GOODS_DELIVERYFreelancers & Agencies
Share a Pay by Link and get paid the same day your invoice is sent — zero integration needed.
PAY_BY_LINKThree calls to your first card payment.
No PCI forms, no separate acquirer contract. Create an order, collect the card, confirm capture — andhour handles routing, 3DS2 and settlement behind the same Xchangepe keys you already use.
Create an order
POST an amount and currency to receive an order_id.
Collect the card
Pass card details (or a saved token) with provider set to andhour.
Confirm capture
Handle the webhook and mark the order fulfilled.
curl https://api.xchangepe.com/v1/collect/cards \
-u sk_live_51H8xx: \
-d amount=250000 \
-d currency=INR \
-d order_id=ord_9F3kd7 \
-d provider=andhour \
-d "card[save]=true"Start collecting card payments now.
Sandbox access is instant. Production goes live after a short KYC review — most businesses take their first card payment within the week.
All major card networks · Transparent FX · FIRA on every settlement