Cross Border import payments FAQs

Yes, eligible overseas merchants can accept payments from Indian customers through Pine Labs PA-CB Import Payments without setting up a local Indian entity, subject to onboarding, business eligibility, regulatory checks, and AD bank requirements.

Yes, the customer will be shown amount in INR and payment will be collected in INR.

The overseas merchant receives settlement into its approved foreign bank account after successful payment processing, compliance checks, and AD bank settlement processing.

Yes. RBI’s 2025 PA Directions state that for inward or outward transactions processed by a PA-CB, the maximum value per transaction is ₹25 lakh. Reserve Bank of India

The Liberalised Remittance Scheme (LRS) is a regulatory framework introduced by the Reserve Bank of India (RBI) that allows resident Indian individuals to remit money abroad for permitted transactions, subject to applicable regulatory limits, compliance checks, and reporting requirements.

For PA-CB Import transactions, the applicability of LRS depends on the nature of the underlying transaction and the corresponding approved purpose code. Common LRS categories include:

Education

This category covers eligible overseas education-related payments, including:

• Tuition fees
• Hostel or accommodation fees
• Other approved education expenses

Purpose Code: S0305 — Travel for education

Travel

This category covers eligible overseas travel-related payments, including:

• International flight bookings
• Hotel bookings
• Other approved travel expenses

Purpose Code: The applicable purpose code depends on the specific travel use case and may include S0302, S0306, or other approved travel-related purpose codes.

For all PA-CB Import transactions, the transaction category and purpose code must align with the applicable LRS requirements and regulatory guidelines.

For all import payment transactions, invoice details are mandatory. The invoice number is required for settlement initiation and must be provided for every successful transaction.

For physical goods import transactions, AWB (Air Waybill) details or the AWB document are also mandatory and must be submitted along with the invoice details to support compliance and settlement processing.

Documentation Requirements

• Invoice Number – Mandatory for all successful transactions. Settlement cannot be initiated without a valid invoice number.
• AWB Details / AWB Document – Mandatory for physical goods import transactions in addition to the invoice details.

PA-CB Import supports the following payment methods, enabling Indian customers to pay using their preferred local payment option:

• Cards
• NetBanking
• UPI
• EMI
• Buy Now, Pay Later (BNPL)

These payment methods provide a familiar INR payment experience, helping improve customer convenience and checkout conversion rates.

PA-CB Import supports multiple integration models to accommodate different merchant requirements and checkout experiences:

• Hosted / Infinity Checkout
• Custom Checkout
• iFrame Checkout

Merchants can choose the integration option that best aligns with their user experience, customization, and implementation requirements.