Question 1

What is JioPay's Cross Border Export Payment service?

Accepted Answer

JioPay / JPSL's Cross Border Export Payment service lets Indian merchants and exporters collect payments from overseas buyers in 100+ foreign currencies, with automatic INR settlement into their Indian bank account. The service operates under the RBI PA-CB-E (Payment Aggregator – Cross Border – Export) licence framework, ensuring full FEMA and regulatory compliance, automated eFIRC / FIRA generation, and transparent FX conversion.

Question 2

What is the PA-CB licence and why does it matter for merchants?

Accepted Answer

The RBI introduced the Payment Aggregator – Cross Border (PA-CB) framework on 31 October 2023 to bring cross-border payment aggregation under formal regulatory oversight. PA-CB-E authorises JioPay/JPSL to aggregate inward payment transactions on behalf of Indian businesses. For merchants, this means JPSL is a regulated, RBI-authorised counterparty — providing protection, compliance support, and access to eFIRC/FIRA documentation for every remittance.

Question 3

Who is this service designed for?

Accepted Answer

The service is designed for any Indian-registered business that exports permissible goods or services: e-commerce sellers SaaS and IT/ITES companies freelancers and consultants Digital content creators Travel portals EdTech platforms, Professional services firms (legal, design, research), and B2B merchandise exporters — all subject to RBI-approved purpose codes.

Question 4

What categories of exports are supported?

Accepted Answer

JioPay supports export receipts across all RBI-permitted purpose codes, including: Software & IT services (P0801, P0802), Business consulting (P1006), Business consulting (P1006), Education (P1004), E-commerce goods (P0101), Media & subscriptions, Travel-related services, and Other current-account permissible transactions under FEMA. Prohibited categories include gambling, adult content, arms & ammunition, narcotics, unregulated forex/crypto services, and any activity restricted under the Foreign Trade Policy.

Question 5

Is JioPay fully compliant with RBI and FEMA requirements?

Accepted Answer

Yes. JioPay/JPSL processes all cross-border transactions through an AD Category-I bank partner, adhering to FEMA, RBI Master Directions on Payment Aggregators, and the October 2023 PA-CB circular. Merchants automatically receive eFIRC/FIRA for every eligible inward remittance, uploaded to RBI's EDPMS (Export Data Processing & Monitoring System).

Question 6

Who is eligible to onboard as a Cross Border Export merchant?

Accepted Answer

Any Indian-registered entity meeting all of the following is eligible: Legally constituted in India (Sole Proprietorship, Partnership, LLP, OPC, Pvt/Public Ltd, etc.); Exporting permissible goods or services under the Foreign Trade Policy; Holding a valid PAN and GST registration where applicable; and Not appearing on RBI's prohibited merchant category list or FEMA's restricted list.

Question 7

What are the end-to-end onboarding steps on JioPay?

Accepted Answer

A Following steps to be followed: Receive Onboarding Link: Our Relationship Manager (RM) will share a secure onboarding link via email or SMS. Fill Basic Business Details: Enter your business information such as legal name, country of incorporation, and upload required documents (PAN, GST, IEC, etc.). Complete KYC Verification: Your details will be verified through CKYC. If not available, you’ll be asked to upload documents. Provide Business & Bank Information: Share your business profile, website, transaction details, and bank account information. Add Authorized & Ownership Details: Enter details of authorized signatories and beneficial owners (if applicable). Complete Video KYC (VCIP): A secure video verification will be conducted for compliance purposes. Submit Application: Once all details are completed, submit your application for review. Verification & Approval: Our internal teams will verify your application (KYC, Risk, Compliance, etc.). Sign Agreement Digitally: You will receive an agreement (MAF) for e-signing using Aadhaar OTP. Account Activation: upon successful verification, your merchant account, MID, and virtual account will be activated.

Question 8

How long does onboarding and activation typically take?

Accepted Answer

Standard onboarding is completed within 1–2 working days from complete document submission. Merchants in high-risk or complex business categories, or those requiring enhanced due diligence (EDD), may take 5–6 working days. Existing JioPay domestic payment merchants can fast-track cross border activation by approaching the Key Account Manager.

Question 9

What website compliance pages are mandatory before activation?

Accepted Answer

Your merchant website must clearly display: full legal business/brand name and registered address; a working contact number and email; a detailed product or service description; an international shipping and delivery policy (including estimated timelines and courier partners); a refund and cancellation policy; a privacy policy and data-handling statement; and full Terms & Conditions. Missing or inadequate policies are the most common cause of onboarding delays, consistent with standards.

Question 10

Can I onboard for Cross Border without an active JioPay domestic gateway account?

Accepted Answer

Yes. Cross Border Export onboarding can be initiated independently of domestic payment gateway activation. However, merchants already live on JioPay's domestic gateway can share existing KYC data to expedite the cross border review.

Question 11

What business categories are not permitted (prohibited merchant list)?

Accepted Answer

Prohibited categories include: gambling and online betting, adult content/entertainment, arms, ammunition, and explosives, tobacco and narcotics, unregulated financial services (unlicensed forex trading, unregistered crypto exchanges), direct marketing/pyramid schemes, and any activity prohibited under FEMA or classified as a restricted import/export under the Foreign Trade Policy of India.

Question 12

What KYC documents are required for onboarding?

Accepted Answer

Sole Proprietorship: PAN, Aadhaar, business address proof, GST certificate (if registered), bank account proof (cancelled cheque/statement). Partnership / LLP: Partnership deed / LLP agreement, PAN, GST, partner KYC. Pvt / Public Ltd / OPC: Certificate of Incorporation, MoA/AoA, Board Resolution, PAN, GST, authorised signatory details + Video KYC. All entities must additionally provide: Cancelled cheque or latest bank statement in the entity name; IEC (for goods exporters); and website compliance checklist sign-off. Video KYC of the authorised signatory is mandatory under RBI PA-CB guidelines.

Question 13

Is an Importer Exporter Code (IEC) mandatory?

Accepted Answer

IEC is mandatory for merchants exporting physical goods (merchandise). For pure service exporters — IT, SaaS, consulting, education, digital content — an IEC is not legally required but is strongly recommended for smoother eFIRC generation and government export benefit claims. Goods exporters must provide their DGFT-issued IEC before activation.

Question 14

What is an eFIRC / FIRA, and will JioPay generate it automatically?

Accepted Answer

A Foreign Inward Remittance Certificate (FIRC) / Foreign Inward Remittance Advice (FIRA) is the RBI-mandated documentary proof of a foreign currency inflow into India — essential for claiming GST zero-rating on export services, government export incentives, and tax audits. JioPay automatically generates an eFIRC/FIRA for every eligible inward remittance through its AD Category-I bank partner, uploads the data to RBI's EDPMS, and makes the certificate available in the merchant dashboard within 1 business day of settlement.

Question 15

What are RBI Purpose Codes, and which ones does JioPay support?

Accepted Answer

RBI Purpose Codes classify the nature of inward foreign exchange transactions. Key export codes include P0801 (Software/IT services), P0802 (IT-enabled services / BPO), P1004 (Education), P0101 (Merchandise exports / e-commerce), P1006 (Business & management consultancy), P0306 (Travel), and many others. JioPay supports the full set of RBI-approved export purpose codes. Merchants must select the correct code at onboarding; incorrect classification can trigger compliance holds or settlement delays.

Question 16

Will JioPay conduct periodic KYC re-verification?

Accepted Answer

Yes. In line with RBI KYC/AML Master Directions, JPSL conducts periodic KYC refresh — annually for higher-risk merchants and every two years for standard-risk merchants. Merchants receive dashboard and email notifications 30 days before renewal. Non-compliance may result in temporary suspension of the cross border payment facility pending re-verification.

Question 17

What payment methods can international buyers use to pay through JioPay?

Accepted Answer

JioPay supports the following inward collection channels: International Cards — Visa, Mastercard, (3DS 2.0 authenticated). Local Bank Transfers — ACH (USA), SEPA (Europe), Faster Payments / BACS (UK), NPP (Australia), EFT (Canada). SWIFT / Wire Transfers — for 10+ currencies globally. Payment Links — no-code links for freelancers and service exporters invoicing overseas clients.

Question 18

How many currencies does JioPay support for export collections?

Accepted Answer

JioPay supports inward remittances in 100+ currencies. Major supported currencies include USD, EUR, GBP, CAD, AUD, SGD, JPY, AED, CHF, HKD, SEK, NOK, DKK, QAR, OMR, NZD, ZAR, and many others. Settlement is always made in INR to the merchant's Indian bank account (or to an EEFC account where configured), in full compliance with OPGSP/FEMA guidelines.

Question 19

What is the per-transaction limit for cross-border export remittances?

Accepted Answer

Under the current RBI Payment Aggregator – Cross Border (PA-CB) guidelines—which replaced the legacy OPGSP framework—the per-transaction ceiling for inward export remittances is ₹25,00,000 (₹25 lakh) per unit of goods or services. There is no cap on the number of transactions or the aggregate monthly/annual volume, provided each individual transaction does not exceed this ₹25 lakh limit. Merchants requiring higher per-transaction limits for large B2B exports should contact JPSL to arrange a customised AD bank facility.

Question 20

Can I receive payments into an EEFC (Exchange Earners' Foreign Currency) account?

Accepted Answer

Yes. JioPay supports EEFC account settlement for eligible merchants, allowing you to retain foreign exchange earnings in USD (or other permitted currencies) with your AD Category-I bank, deferring INR conversion. This is beneficial for managing FX exposure. EEFC settlement requires additional bank-level configuration — contact your JPSL account manager.

Question 21

Does JioPay support recurring or subscription payments for international customers?

Accepted Answer

Yes. JioPay supports recurring / subscription billing for international customers via card-on-file tokenisation. Merchants offering SaaS, EdTech subscriptions, OTT content, or professional retainers can configure automated recurring billing. Cross-border recurring mandates must comply with RBI tokenisation norms (effective Oct 2022) and the relevant card network rules for international mandates.

Question 22

How does a cross border export transaction work end-to-end on JioPay?

Accepted Answer

A Following steps to be followed: Initiation — Overseas buyer pays on the merchant site/app via JioPay checkout (card, bank transfer, or payment link). Authorisation — JioPay routes the transaction through its processing network for real-time authorization and fraud screening. Compliance Check — AD Category-I bank performs AML/sanctions screening and validates the purpose code to ensure regulatory alignment. Collection — Funds are captured and pooled in the designated NOSTRO collection account in the buyer's currency. Invoice Validation — Merchant uploads the supporting invoice within 10 days (as mandated by RBI/bank guidelines). FX Conversion — The transaction amount is converted from the buyer's currency to INR at the live interbank rate at the time of reconciliation and payout processing. Settlement — The final INR equivalent is credited to the merchant's registered Indian bank account according to the agreed settlement cycle. eFIRC — The digital Foreign Inward Remittance Certificate is auto-generated and made available on the merchant dashboard within 1 business day of settlement.

Question 23

At what point is the forex (FX) rate fixed for my transaction?

Accepted Answer

The FX rate is fixed at the time of the transaction, not at the time of settlement — JioPay uses live interbank rates provided by its AD bank partner, with a transparent conversion fee applied (visible in the merchant transaction report).

Question 24

How do I upload invoices for cross border transactions, and when is it required?

Accepted Answer

Invoices must be uploaded during the transaction initiation, as required by the AD Category-I bank for FEMA/RBI reporting. JioPay provides: (a) Manual upload — via the Merchant Dashboard against each transaction, and (b) API-based upload — via the JioPay Invoice Upload API for automated, high-volume reconciliation. Invoices must include: buyer details, goods/service description, amount, currency, and the applicable RBI purpose code.

Question 25

How do I track my cross border transactions in real time?

Accepted Answer

All transactions are visible on the JioPay Merchant Dashboard with: status (Initiated / Authorised / Captured / Settled / Failed / Refunded), amount in foreign currency and INR equivalent, FX rate applied, buyer details, purpose code, invoice upload status, and eFIRC/FIRA download link. Full transaction data is also accessible via the Settlement & Transaction APIs/Reports.

Question 26

What happens if a cross border transaction fails?

Accepted Answer

If a transaction fails (card decline, network error, insufficient funds), no amount is debited from the buyer. JioPay's smart-retry engine attempts alternate payment routes before marking a transaction as failed. Failed transactions appear in the merchant dashboard with a failure reason code. Merchants can share a fresh payment link with the buyer for re-attempt. There is no charge on failed transactions.

Question 27

Is there any initial hold period on cross border payments?

Accepted Answer

For new merchants or first-time cross border transactions, JPSL may apply a verification hold of up to 7 business days to confirm transaction legitimacy and FEMA compliance. After the initial seasoning period, settlements proceed on the standard cycle. High-volume or elevated-risk merchants may be subject to a rolling reserve policy as determined by JPSL's risk team.

Question 28

What is the standard settlement cycle for cross border export collections?

Accepted Answer

The standard settlement cycle is T+2 to T+3 business days from the date of transaction capture, accounting for AD bank compliance processing and NOSTRO repatriation. For eligible merchants with a strong transaction history, JioPay offers T+1 or same-day (instant) settlement options — contact your JPSL account manager.

Question 29

In which currency will I receive my settlement?

Accepted Answer

As per RBI/OPGSP guidelines, all inward remittances under the PA-CB-E framework must be repatriated to India and settled in INR to the merchant's Indian bank account within 7 business days of receipt into the NOSTRO account. Merchants wishing to hold foreign currency may configure EEFC account settlement with their AD bank (see Section 4).

Question 30

What bank accounts are eligible for settlement?

Accepted Answer

JioPay settles to: Current accounts (any scheduled commercial bank in India) held in the registered business entity's name, or Exchange Earners' Foreign Currency (EEFC) accounts (where configured). Savings accounts are not permitted for business settlement. The settlement account must match the KYC entity name submitted during onboarding.

Question 31

Can I link multiple bank accounts for settlement?

Accepted Answer

Yes. JioPay supports up to 3 settlement bank accounts per merchant. A primary account is used for standard payouts; alternate accounts can be mapped to specific product lines, currencies, or transaction types. Changes to settlement bank accounts require fresh documentation and JPSL compliance team approval.

Question 32

What deductions are made from the gross settlement amount?

Accepted Answer

Deductions from gross settlement: Transaction processing fee (per merchant pricing plan). FX conversion fee (transparent markup on interbank rate). 18% GST on the processing fee. Any applicable chargeback reserve or refund reserve amounts. The net INR amount credited to your account will reflect all deductions. A detailed fee breakup is included in every settlement report.

Question 33

How do I access settlement reports and reconciliation files?

Accepted Answer

Settlement reports are available in the JioPay Merchant Dashboard under 'Settlements', filterable by date range, currency, transaction type, and status. Export formats include CSV, XLS, and PDF. Detailed reconciliation data is also accessible via the JioPay Settlement Details API, compatible with ERP and accounting integrations.

Question 34

How do I process a refund for a cross border transaction?

Accepted Answer

Refunds can be initiated from the JioPay Merchant Dashboard or via the Refund API. Refunds are processed in INR at the prevailing FX rate on the refund date (not the original transaction rate). Partial refunds are supported. Processing time is typically 5–10 business days depending on the buyer's card/bank network.

Question 35

What is a chargeback and how does JioPay manage it?

Accepted Answer

A chargeback occurs when a buyer disputes a transaction with their issuing bank, requesting a forced reversal — due to non-delivery, unauthorised use, or 'friendly fraud.' JioPay's chargeback management workflow: Merchant notified via email and dashboard alert. Merchant submits evidence (invoice, delivery proof, communications) within the stipulated window (typically 7–14 days). JPSL's disputes team represents the merchant with the card network. Outcome: funds credited back if won; disputed amount deducted from settlement if lost.

Question 36

What is the acceptable chargeback ratio, and what happens if it is exceeded?

Accepted Answer

Visa and Mastercard set the acceptable chargeback threshold at below 1% of total monthly transaction count. If a merchant's ratio consistently exceeds this, JioPay will issue a warning and engage the merchant on remediation steps. Persistent breach may result in temporary suspension of international card acceptance pending a formal risk review.

Question 37

What are the key regulations governing cross border export payments in India?

Accepted Answer

Key regulatory instruments: RBI Master Directions on Payment Aggregators (Sep 2022 and amendments). RBI Circular on PA-CB — DPSS.CO.POLC.No. dated 31 Oct 2023 (PA-CB-E/I framework). RBI/DPSS/2025-26/141 (latest amendment applicable to PA-CB). FEMA 1999 and FEMA (Current Account Transactions) Rules. RBI guidelines on EDPMS, R-Return reporting, and eFIRC issuance. Foreign Trade Policy 2023 on export proceeds repatriation.

Question 38

What is the mandatory export proceeds repatriation timeline?

Accepted Answer

Under RBI/FEMA, export proceeds must be realised and repatriated to India within 9 months from the date of export (goods and services). Under the OPGSP/PA-CB framework specifically, funds in the NOSTRO collection account must be repatriated to the merchant's Indian bank account within 7 business days of receipt. JioPay's settlement engine is designed to comply with this automatically.

Question 39

What GST treatment applies to export payments received through JioPay?

Accepted Answer

Export of services is a 'zero-rated supply' under GST (Section 16, IGST Act) where foreign exchange is received and a valid FIRC/eFIRC is available. This means: no GST is charged on the export invoice to the overseas buyer; the exporter can claim Input Tax Credit (ITC) refunds on GST paid on inputs. Note: JioPay's payment processing fee itself attracts 18% GST (on the service fee charged to the merchant). Merchants are advised to consult their GST advisor for specific filing obligations.

Question 40

What is the LEI (Legal Entity Identifier) requirement for cross border payments?

Accepted Answer

Per RBI mandate (effective Oct 2022), all B2B cross-border transactions above INR 5 crore (approx. USD 600,000) require the Indian entity to hold a valid LEI issued by a registered LOU (e.g., CCIL's LOU). Merchants processing high-value B2B export transactions must register their LEI with JPSL prior to initiating transactions above this threshold.

Question 41

Does JioPay conduct AML / CFT screening on cross border transactions?

Accepted Answer

Yes. JioPay and its AD bank partner conduct mandatory Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) screening on all cross border transactions. This includes real-time sanctions screening (UN, OFAC, EU consolidated lists), transaction pattern monitoring, and KYC/KYB checks. Suspicious transactions are reported to the Financial Intelligence Unit — India (FIU-IND) under PMLA 2002. The solution maintains dual-regulatory alignment (IFSCA & RBI), enforcing standardized KYC, KYB, and AML protocols—including real-time sanctions monitoring—across the entire payment flow.

Question 42

What integration modes does JioPay offer for cross border export payments?

Accepted Answer

Available integration modes: Payment Gateway API — RESTful APIs for seamless checkout integration on websites and apps. Hosted Payment Page — Redirect-based checkout; no PCI DSS obligation on the merchant. Payment Links — No-code links for freelancers and service exporters. Plugins — Ready-made plugins for Shopify, WooCommerce, Magento, and other major platforms. Mobile SDKs — iOS and Android SDKs for in-app payment flows. Invoice Upload API — Automated invoice submission for compliance.

Question 43

What security standards does JioPay's cross border integration comply with?

Accepted Answer

JioPay's payment infrastructure is compliant with: PCI DSS Level 1 (highest tier of card data security); 3D Secure 2.0 (3DS2) for cardholder authentication; ISO 20022 for bank transfer messaging; TLS 1.2/1.3 encryption for all data in transit; and RBI's Cyber Security Framework for Payment System Operators.

Question 44

How do I test my integration before going live?

Accepted Answer

JioPay provides a fully featured Sandbox environment with test API credentials. Merchants can simulate: card authorisation and capture flows, bank transfer initiation, invoice upload, refund and cancellation flows, webhook notifications, and mock eFIRC generation. The sandbox mirrors the production environment and is available 24/7.

Question 45

Does JioPay support webhooks for cross border payment events?

Accepted Answer

Yes. JioPay sends real-time server-to-server webhook notifications for: payment success / failure, refund initiated / completed, chargeback raised, settlement processed, and eFIRC generated. Webhooks allow merchants to automate order fulfilment, accounting entries, and compliance workflows without manual polling of the dashboard.

Question 46

What is JioPay's fee structure for cross border export payments?

Accepted Answer

JioPay's cross border export pricing includes: Transaction Processing Fee — a percentage of the INR-equivalent transaction value (varies by payment method, currency corridor, and merchant transaction volume; contact your JPSL account manager for the applicable rate). FX Conversion Fee — transparent markup on the live interbank rate (typically 0.5%–1.5%, depending on the currency pair). 18% GST on the processing fee component. No monthly subscription fee, no setup fee, and no hidden charges. Industry benchmarks:

Question 47

Is eFIRC generation included in the standard fee, or charged separately?

Accepted Answer

eFIRC/FIRA generation is included in the standard cross border export service at no additional charge.

Question 48

Are there minimum transaction value or minimum monthly volume requirements?

Accepted Answer

There is no minimum per-transaction value (other than the RBI per-invoice ceiling of USD 10,000 under OPGSP). There is no minimum monthly volume requirement. Higher-volume merchants may be eligible for preferential pricing tiers — discuss with your JPSL account manager.

Question 49

How is the net settlement amount calculated? Can you show an example?

Accepted Answer

Example: Buyer pays USD 500. Applicable FX rate = INR 84.00 per USD → Gross INR = ₹42,000. Processing fee (e.g., 2%) = ₹840. GST on fee (18%) = ₹151.20. Total deduction = ₹991.20. Net settlement to merchant = ₹41,008.80. Detailed fee breakup is included in every settlement report and visible in the transaction detail view.

Question 50

What fraud prevention measures does JioPay apply to cross border transactions?

Accepted Answer

JioPay applies a multi-layer fraud prevention stack: real-time AI/ML-based transaction risk scoring; 3DS 2.0 cardholder authentication (mandated on all international card transactions); velocity checks and pattern anomaly detection; device fingerprinting and IP geolocation screening; and sanctions/watchlist screening at every transaction. High-risk transactions are flagged for manual review, preventing processing until cleared.

Question 51

What is a rolling reserve and when does it apply?

Accepted Answer

A rolling reserve is a percentage of transaction settlement withheld for a defined period as a security buffer against chargebacks and fraud losses. JPSL may apply a rolling reserve for new merchants, high-risk categories, or merchants with elevated chargeback rates. The reserve percentage and release schedule are communicated at onboarding and reviewed periodically. Reserves are released on schedule to the merchant's settlement account.

Question 52

What is JioPay's approach to Politically Exposed Persons (PEPs) and sanctions screening?

Accepted Answer

JioPay/JPSL screens all merchants and counterparties against PEP lists, UN Security Council sanctions lists, OFAC SDN lists, EU consolidated sanctions, and RBI/FIU-IND watchlists. Ongoing transaction monitoring flags unusual patterns consistent with money laundering, terrorist financing, or sanction evasion. Any matches result in immediate transaction hold and escalation to JPSL's compliance and legal team. This is in line with compliance playbook which covers KYC, KYB, and real-time AML screening under IFSCA regulations.

Question 53

How do I contact JioPay support for cross border queries?

Accepted Answer

JioPay provides dedicated support via: Merchant Dashboard — Raise a ticket directly from the 'Support' section. Email (bd.jiopaypacb@jiopay.in)— Dedicated cross border support email (to be configured and published by JPSL). Key Account Manager (KAM) — Assigned relationship manager for merchants above a defined transaction volume. Response SLAs: P1 (transaction failures, settlement delays) — 4 business hours; P2 (documentation, onboarding) — 1 business day; P3 (general queries) — 2 business days.

Question 54

What should I do if a cross border payment is stuck or delayed beyond the expected settlement date?

Accepted Answer

Check the JioPay Merchant Dashboard for current transaction status and any compliance hold flags. Verify that the invoice has been uploaded within the 10-day window. Raise a support ticket from the dashboard with your Transaction Reference ID. Contact your KAM if the delay exceeds 2 business days beyond the standard settlement cycle. Common causes: pending or rejected invoice upload; compliance hold on first-time transactions; incorrect purpose code; or AD bank processing delay.

Question 55

How do I escalate unresolved issues?

Accepted Answer

Escalation matrix: Level 1 — JioPay Merchant Support (dashboard ticket / email / phone). Level 2 — Key Account Manager (KAM). Level 3 — JPSL Grievance Redressal Officer (GRO), whose contact details are published on the JioPay website as required under RBI PA Master Directions. Level 4 — If unresolved within 30 days, file a complaint with the RBI Ombudsman for Digital Transactions (under the Integrated Ombudsman Scheme).

Question 56

Where can I find integration documentation and training materials?

Accepted Answer

JioPay Developer Documentation portal — API reference, integration guides, sandbox credentials. Cross Border FAQ and troubleshooting guide (this document). Sandbox environment for end-to-end integration testing. Merchant Success webinars and training sessions — contact your KAM to be included in upcoming sessions.

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