India has become a global hub for SaaS products. Founders building here often sell to customers in the US, Europe, the Middle East and India simultaneously. Billing complexity grows quickly.
Payment providers
- Domestic customers: gateways like Razorpay, Cashfree or PayU support INR subscriptions and UPI mandates.
- International customers: providers supporting international cards and multiple currencies, subject to regulatory requirements for Indian businesses.
Tax considerations
Domestic and international customers can have different tax treatment for software subscriptions. Rules change, so work with a CA familiar with SaaS businesses before finalising your billing setup. This is not tax advice.
Invoicing
Invoices should show the correct tax treatment, currency and required details for each customer type. Automate invoice generation from your billing system.
Pricing in multiple currencies
Decide whether to show prices in INR, USD or local currencies. Clear, localised pricing can improve conversions.
Subscription logic
Your SaaS should handle trials, upgrades, downgrades, proration, failed payments and cancellations gracefully.
FAQs
Can one platform handle Indian and international billing?
Some can, but many Indian SaaS companies use separate providers for each.
Do we need foreign bank accounts?
Usually not; Indian accounts can receive foreign payments through compliant providers.
How do we handle failed payments?
Automated retries and reminders reduce involuntary churn.
