PayGlocal

PayGlocal Overview for Merchants

PayGlocal is an India-based payment service provider that focuses on cross-border commerce for locally registered businesses. The company positions its platform as an all-in-one stack for accepting international cards and selected local payment methods, operating multi-currency accounts, and handling risk controls, with PCI DSS certification and published pricing for key products. This overview summarizes what PayGlocal offers today based on its official materials so merchants can evaluate fit with their payment needs.

Key Capabilities of PayGlocal

International card processing

PayGlocal provides processing for international and domestic cards with options to present prices in local currencies at checkout. The company highlights end-to-end encryption and an embedded risk engine designed to send the right data to issuers for better authorization outcomes.

Multi-currency accounts

PayGlocal markets multi-currency accounts to collect funds in multiple currencies and streamline settlement. Official pages describe acceptance in 33+ currencies within its multi-currency account feature. Some site pages also refer to 130+ currencies for the broader platform. Treat these as separate claims and validate your required currencies in writing.

Local payment methods, including UPI

In addition to cards, PayGlocal supports local payment methods. For India, it documents UPI options such as UPI Intent Flow, UPI Collect, and Dynamic QR. Separate pages describe adding local payment methods for other markets via the same checkout, payment links, or buttons.

Recurring payments and subscriptions

The provider offers recurring billing, unscheduled card debits, and subscription use cases for international cards. These are described as “network compliant” and exposed via API. Confirm card-on-file frameworks and network mandates for your vertical before go-live.

Integration and checkout options

Documentation and site content reference a single platform spanning payment gateway, risk management, and fraud controls, with plugin-style integrations advertised for platforms such as WooCommerce and Magento. Validate current plugin availability, version support, and whether integrations are maintained by PayGlocal or partners.

Risk, Security, and Compliance

PCI DSS certification

PayGlocal states it is certified to PCI DSS v4.0.1 and provides a certificate link on its compliance page. PCI certification reduces the scope of cardholder data handling for merchants integrating via hosted forms or tokenization, but you should still map your PCI obligations with your QSA.

Encryption and data protection

The company describes AES-256-GCM encryption for data at rest using an envelope approach at the application layer, with keys protected to meet PCI Level 1 requirements. These specifics appear in its client privacy terms.

Merchant data handling expectations

PayGlocal’s onboarding policy states that merchant sites should not store card data, with audits possible to check for compliance. Plan your implementation so that no sensitive authentication data is retained on your infrastructure.

Geographies, Currencies, and Methods Coverage

• Currencies: The site provides two figures in different sections. One page for the international platform cites 130+ currencies, while the multi-currency account page cites 33+ currencies. Since coverage is critical for pricing and settlement, request a current currency list for pricing and funding and align it to your markets.

• Collecting locally: Site content indicates the ability to collect locally in USD, GBP, EUR, CAD and AUD, with global collection in 33 currencies via a global currency account. Validate whether local collection refers to local acquiring or local currency presentation.
• Local methods: Beyond UPI, PayGlocal publishes pages for several regional methods and notes that local methods can be offered via checkout, links, or buttons. Obtain a definitive list of currently supported methods and countries.

Merchant Operations and Finance Workflows

• FIRC for exports: For Indian exporters, PayGlocal indicates that Foreign Inward Remittance Certificate documentation is sent to your inbox after settlement. This is relevant for compliance reconciliation.

• Payment links and buttons: Multiple pages reference the ability to collect via links and buttons in addition to API or hosted checkout, which can simplify low-volume or offline-to-online use cases.
• Notifications and tracking: The site mentions frequent notifications and status updates across the funds flow, which your finance team can map to reconciliation needs.

Who PayGlocal is Best Suited For

Based on its documentation and site positioning, PayGlocal is oriented to:

• Exporters with Indian entities needing FIRC reporting and multi-currency collection

• Ecommerce and digital services selling cross-border where international cards and UPI are relevant at checkout

• Subscription and usage-based models that require recurring or unscheduled debits on international cards

Merchants with highly specific acquiring needs, niche local methods, or complex treasury requirements should request detailed coverage matrices and settlement options before committing.

Conclusion

PayGlocal presents a focused cross-border proposition for Indian merchants: international card processing, multi-currency accounts, selected local payment methods including UPI, recurring payments, and an emphasis on PCI DSS certification and encryption. The company also publishes headline pricing for international cards and multi-currency accounts, which is useful for early TCO modeling. Given differing currency counts across pages and the usual complexities of cross-border fees and FX, merchants should obtain a written schedule of supported currencies, methods, and end-to-end costs before integrating.