Accept Apple Pay, Klarna & Local Payment Methods: A Guide for Indian Exporters
Indian exporters looking to grow internationally need more than just a good product. If you're not offering local payment methods like Apple Pay, Klarna, or iDEAL, you're likely losing conversions.
This guide breaks down:
Why local payment methods matter
Most-used methods in your top export markets
How to enable Apple Pay, Klarna, and more
A real-world case study showing how success rates jumped with XPay
Why Indian Businesses Must Offer Local Payment Methods
Your international customers don’t all use cards. In fact:
40% of shoppers abandon carts if they don’t see familiar payment methods
Local methods can lift conversion rates by 30%+
One Indian company saw a 29% revenue jump by switching to XPay, with a 92% success rate vs. Razorpay's 70%
Key Benefits:
Higher trust & conversion: Customers feel safer using Klarna, iDEAL, Apple Pay, etc.
More payment success: Local routing avoids unnecessary declines
Faster global growth: Easier for new markets to buy from you
Fewer hidden costs: Many local methods come with lower FX/spread fees
Top 10 Export Markets & Their Payment Preferences
1. USA
✓ Apple Pay (used by 60 M+)
✓ Klarna (used by 42 M+ Americans)
✓ PayPal, Cards
2. UK
✓ Apple Pay, Klarna, Clearpay
✓ Cards + 3DS
✓ PayPal
3. Germany
✓ Klarna Pay Later, Sofort
✓ SEPA Direct Debit
✓ PayPal
4. Netherlands
✓ iDEAL (used for 58% of all transactions)
✓ Apple Pay
5. UAE
✓ Apple Pay, Samsung Pay
✓ Cards, Bank Transfers
✓ BNPL: Tabby, Tamara
6. Australia
✓ Apple Pay, Afterpay, Klarna
✓ Cards
✓ PayPal
7. Singapore
✓ PayNow, Apple Pay, GrabPay
✓ BNPL: Hoolah, Atome
8. Canada
✓ Apple Pay, Interac, and Cards
✓ Klarna growing
9. Saudi Arabia
✓ Mada, STC Pay, Apple Pay
✓ BNPL: Tabby, Tamara
10. South Africa
✓ Instant EFT, SnapScan, Cards
✓ PayPal
Apple Pay: Why It's Essential for Global Payments
Used by 640 M+ users in 70+ countries. Supports one-tap payments on mobile.
Key Stats:
✓ Used in 92% of mobile wallet transactions in the US
✓ Boosts mobile conversions by up to 58%
✓ Accepted by 85% of US retailers
Benefits:
Super fast checkout = more completed payments
Trusted by premium buyers (esp. Gen Z, millennials)
No form-filling, no OTP issues
Want to accept Apple Pay as an Indian business? You can.
You just need a payment gateway that supports it (like XPay)
You get paid in INR; your customer pays in their local currency
Klarna: The BNPL Powerhouse for Exporters
150 M+ users across 45 countries. Pay Later, Pay in 4, or Financing options.
Why It Matters:
✓ 30% higher AOV
✓ 85% of users say Klarna improves the buying experience
✓ Popular in Germany, UK, Nordics, US
Payment Flow:
The customer selects Klarna
Klarna pays you upfront
The customer pays Klarna later
Ideal for:
Fashion, electronics, SaaS, digital products
Any product >$100
Comparison: XPay vs. Other Payment Gateways
Provider | Local Methods | FX Markup | FIRC | Success Rate | Fees |
|---|---|---|---|---|---|
XPay | ✓ Apple Pay, Klarna, iDEAL, ACH, SEPA | Lowest | ✓ Instant | 92%+ | Lowest (no GST) |
Stripe | ✓ Strong (APM leader) | ~3% | ✗ Manual | ~90% | ~4.9%+ total |
Razorpay | ✗ Limited (no Klarna, iDEAL) | ~4-6% | ✓ Manual | ~70% | ~4-5% + GST |
PayPal | ✓ PayPal only | ~3-4% | ✓ Aggregated | Moderate | ~7.4%+ total |
Skydo | ✓ Bank transfers only | ~2-4% | ✓ Instant | Good (Wire only) | ~3-4% |
LemonSqueezy | ✓ Apple Pay, Cards | ~2-4% | ✗ None | Good (small scale) | ~5-8% |
Why XPay Is the Best International Payment Gateway for Indian Businesses
If you're serious about global sales, you can't afford payment friction. Here's why XPay is the best payment gateway for international payments in India:
✓ Accept Apple Pay, Klarna, iDEAL, ACH, and 40+ other global methods
✓ 0% forex markup — real mid-market rates
✓ Highest success rates in India for global cards & wallets (92%+)
✓ Automated FIRC and no GST on fees
✓ Fast onboarding and world-class support
Real Case Study:
One late-stage Indian startup A/B tested XPay vs. Razorpay:
92% vs. 70% success rate
43% vs. 33% conversion rate
Result: 29% revenue boost just by switching payment gateway
Ready to Upgrade Your Payment Game?
Stop losing revenue to failed payments and missing methods.
With XPay, you get:
✓ Friction-free global payments
✓ Local payment methods your customers already use
✓ Transparent pricing, instant FIRC, and compliant onboarding
Get 1 Month Free – Zero Transaction Fees
Ready for clearer, cheaper global payments?
