--- title: 'Cross Border import payments FAQs ' slug: international-payments/import-payments/faqs hidden: false sidebar_order: 5 sidebar_label: FAQs metadata: title: Cross-Border Import Payments FAQs | Pine Labs description: >- FAQs on cross-border import payments: international transactions, settlements, multi-currency support, API integration, compliance and security. schema_type: FAQPage custom_schema: |- { "@context": "https://schema.org", "@type": "FAQPage", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.pinelabs.com/docs/online-payments/international-payments/import-payments/faqs" }, "mainEntity": [ { "@type": "Question", "name": "Can an overseas merchant accept payments from Indian customers without an Indian entity?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Will the Indian customer pay in INR?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. The customer will be shown the amount in INR and payment will be collected in INR." } }, { "@type": "Question", "name": "Where will the merchant receive settlement for cross-border import payments?", "acceptedAnswer": { "@type": "Answer", "text": "The overseas merchant receives settlement into its approved foreign bank account after successful payment processing, compliance checks, and AD bank settlement processing." } }, { "@type": "Question", "name": "Is there a transaction limit for cross-border import payments?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "What is LRS and which transaction categories fall under LRS for PA-CB Import?", "acceptedAnswer": { "@type": "Answer", "text": "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, LRS applicability depends on the nature of the underlying transaction and the corresponding approved purpose code. Common LRS categories include Education (covering tuition fees, hostel or accommodation fees, and other approved education expenses; Purpose Code S0305) and Travel (covering international flight bookings, hotel bookings, and other approved travel expenses; applicable purpose codes include S0302, S0306, or other approved travel-related codes). The transaction category and purpose code must align with applicable LRS requirements and regulatory guidelines." } }, { "@type": "Question", "name": "What documents are required for processing cross-border import payments?", "acceptedAnswer": { "@type": "Answer", "text": "Invoice details are mandatory for all import payment transactions. 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." } }, { "@type": "Question", "name": "What payment methods are supported for cross-border import payments?", "acceptedAnswer": { "@type": "Answer", "text": "PA-CB Import supports Cards, NetBanking, UPI, EMI, and Buy Now Pay Later (BNPL). These payment methods provide a familiar INR payment experience, helping improve customer convenience and checkout conversion rates." } }, { "@type": "Question", "name": "What integration options are supported for cross-border import payments?", "acceptedAnswer": { "@type": "Answer", "text": "PA-CB Import supports multiple integration models: Hosted / Infinity Checkout, Custom Checkout, and iFrame Checkout. Merchants can choose the integration option that best aligns with their user experience, customization, and implementation requirements." } } ] } --- Find answers to common questions about Pine Labs Online cross-border import payments, including supported payment methods, international settlements, API integrations, currencies, security, refunds, compliance, and transaction workflows.
1. Can an overseas merchant accept payments from Indian customers without an Indian entity? 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.
---
2. Will the Indian customer pay in INR? Yes, the customer will be shown amount in INR and payment will be collected in INR.
---
3. Where will the merchant receive settlement? The overseas merchant receives settlement into its approved foreign bank account after successful payment processing, compliance checks, and AD bank settlement processing.
---
4. Is there a transaction limit? 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](#https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12896)
---
5. What is LRS and which transaction categories fall under LRS? 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.
---
6. What documents are required for processing import payments? 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.
---
7. What payment methods are supported? PA-CB Import supports the following payment methods, enabling Indian customers to pay using their preferred local payment option: - [Cards](/payment-methods/cards) - [NetBanking](/payment-methods/netbanking) - [UPI](/payment-methods/upi) - [EMI](/affordability-suite/accept-emi-payments) - [Buy Now, Pay Later (BNPL)](/payment-methods/buy-now-pay-later) These payment methods provide a familiar INR payment experience, helping improve customer convenience and checkout conversion rates.
---
8. What integration options are supported? PA-CB Import supports multiple integration models to accommodate different merchant requirements and checkout experiences: - [Hosted / Infinity Checkout](/hosted-checkout) - [Custom Checkout](/custom-checkout) - [iFrame Checkout](/iframe-checkout) Merchants can choose the integration option that best aligns with their user experience, customization, and implementation requirements.
---