Stripe vs. xPay | Best Stripe Alternative for International Payments in India
Selling globally from India? Your payment gateway directly impacts revenue. Below is a no-fluff comparison of Stripe (the global default) and xPay (India-first) — tailored for SaaS, E‑commerce, EdTech & course creators.
Quick Snapshot
Stripe | xPay | |
|---|---|---|
Availability | 46 countries • India in invite‑only beta | Made for Indian Business selling globally |
Cross‑border cost | 5–6 % Fees + 2-4% FX Charges | 50-90% cheaper than Stripe |
Payout speed | 7‑day cycle • wire fees | Flexible: customised for you |
Success rate | <80 % on Indian cards (OTP drop‑off) | 93 %+ success |
FIRC / GST docs | Manual or missing | Auto FIRC • no GST on export fees |
Support | Ticket/email • no WhatsApp | 10-minute response time on WhatsApp (24/7 support) |
India-Ready Availability
Stripe
India access is invite-only
Many features (like Atlas, Issuing) need US/EU setup
xPay
Built for Indian exporters
No foreign entity or complex compliance needed
Real Cost Breakdown
Stripe
2.9 % + $0.30 base
+1.5 % international card fee
+2-4 % FX markup
Dispute fee ($15) • Fees not refunded
Effective cost: 6-8 %
xPay
50% lower fees than Stripe (based on volume)
90% cheaper forex than Stripe – mid‑market rate
No dispute/refund penalties
30‑day zero‑fee trial
Developer Experience
Stripe
Excellent docs, but Indian founders must handle IEC, 3DS, and FEMA compliance manually
xPay
India-specific SDKs & APIs
Built-in RBI compliance flows
Free onboarding support on WhatsApp
Payouts & Cash Flow
Stripe: 7-day hold → SWIFT wire to INR → fees + delays
xPay: Flexible payouts → INR via local rails → no wire fee
Compliance & Tax Docs
Need | Stripe | xPay |
|---|---|---|
FIRC | Manual bank request | Auto-generated per payout |
GST Invoice | Not provided / foreign billing | Yes • 0 % GST on export fees |
TDS/TCS reporting | Use third-party | Built-in reports |
Checkout & Conversion Rate
Stripe Checkout
English-only
Card-first flow
High OTP failures in India
xPay Checkout
Multilingual
Apple Pay, PayPal, Klarna, Affirm, Afterpay, Cards & many more
93 %+ success rate
Final Verdict
Stripe Wins If:
You're a US/EU company
You want advanced features like Stripe Treasury or Atlas
xPay Wins If:
You're an Indian founder selling globally
You want the lowest fees and lowest forex markup
You need automated FIRC, GST-friendly invoices, and fast INR payouts
You want a 93%+ success rate and 24/7 10-minute support response
Ready to Keep More of Every Dollar You Earn?
Try xPay free for 30 days – pay 0 % fees, test real results.
Start accepting Apple Pay, PayPal, international cards, and 40+ methods, with the Lowest fees and instant FIRC.
Stop leaking revenue to FX spreads, failed OTPs & wire fees.
xPay is the international payment gateway built for Indian businesses.
Get 1 Month Free – Zero Transaction Fees
Ready for clearer, cheaper global payments?
