International Card Payments

Key Features

1. Global Card Acceptance: Accept payments globally from any Visa, Mastercard, Maestro, and Amex cards enrolled on 3DS 2.0
2. Frictionless Authentication: Offer frictionless authentication experience to your customers with Cashfree Payments’s International Payment Gateway on eligible international card transactions
3. Multi-Currency Transactions: Broaden your payment horizons & enable transactions in 50+ currencies effortlessly. Please find the list of currencies here
4. Best Success Rate: Cashfree offers over 75%+ transaction success rate on 3DS 2.0 enabled international card payments
5. Address Verification System: Boost your transaction success rates for cards issued in the USA and Canada with our robust address verification system in place.
6. INR Settlements: Cashfree settles all transactions in INR currency to the merchant within T+2* days

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T+x*

Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters, and other factors.

7. Foreign Inward Remittance Certificate: Cashfree shares Foreign Inward Remittance Certificate on request basis to merchants for all the international non-INR transactions
8. FEMA Compliance: Cashfree offers a feature to only allow International payments on International shipping addresses and vice versa to stay compliant with the FEMA guidelines

International Card Payments Integration

International card payments as a payment option is available across all the integrations offered by Cashfree. For a detailed list of available integration please refer to this link - https://docs.cashfree.com/docs/discover.

Address Verification Service

The Address Verification Service (AVS) is a fraud prevention system that, when used effectively, can help to limit fraud and chargebacks. AVS works to verify that the address entered by the customer is associated with the cardholder’s credit card account. AVS is widely used in authorizing cards issued in the USA and Canada. To improve your success rate and reduce frauds it is advised to integrate AVS with international card payments.

AVS is available in Cashfree’s checkout page by default for all merchants where IPG is enabled. Please refer to the screenshot below for AVS screen on checkout page

In seamless integration, merchants are expected to pass customer billing address details in the order/sessions API as below

{
	"order_token": "{{orderToken}}",
	"payment_method": {
		"card": {
			"channel": "link",
			"card_number": "4893774242424242",
			"card_holder_name": "Tushar Gupta", 
			"card_expiry_mm": "06",
			"card_expiry_yy": "22",
			"card_cvv": "900",
      "address_line_one": "Kormangala",
      "address_line_two": "",
      "city": "Bangalore",
      "zip_code": "676565",
      "country": "India",
      "country_code": "IN",
      "state": "Karnataka",
      "state_code": "KA"
		}
	},
    "save_instrument": false
}

Supported International Currencies

We support payments in various currencies on our platform, which allows merchants to charge their customers in their local currency. The order_currency request parameter in the create order API is used to define the currency in which merchant wants to collect payment. Use the below currency code values for the order_currency variable

By default, only INR is available. Write to [email protected] to enable new currencies.

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