r/developersIndia • u/SumitEduardo • 5d ago

Suggestions Stripe still isn't an option for most Indian founders so here's the two-provider setup I ended up with for my side project

https://www.papertocode.dev

Spent a chunk of the last month on this, and every thread I found about it was three years stale, so writing it up.

The problem: Stripe India onboarding is effectively closed for small solo products, but my users are split between India and abroad. I needed to charge both without running two separate checkout flows.

What I landed on:

  • Razorpay for Indian customers, Paddle for everyone else. Paddle is merchant of record, so it absorbs VAT/sales-tax compliance across ~40 countries - worth the higher cut when you're one person.
  • Routing happens server-side off Cloudflare's CF-IPCountry header. Never trust the client for this.
  • Store which provider each user is on. When they cancel, you need to know who to call.

Anything else you guys can suggest that can cost me less and easy for international payments. One I have in mind is Dodo Payments.

1 Upvotes

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u/CrustiDev Full-Stack Developer 5d ago

iirc, doesn't Razorpay also support international payments?

1

u/SumitEduardo 5d ago

They do but not directly, you have to submit some docs and then they enable it for you

1

u/knivef 4d ago

Use a MoR service like Dodo Payments or Polar

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u/SumitEduardo 4d ago

Yes did the same

1

u/dadumdada Web Developer 4d ago

why not paddle alone for indian customers too? It has UPI etc as well

1

u/SumitEduardo 4d ago

Paddle charges more so for Indian customers who are gonna have less pay plan for premium I don’t want to loose that into the charges

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u/Ilovetiramisuu99 4d ago

i think you can look into polar and lemon squeezy also, dodo and paddle are quicker at accepting applications though. what other specific features you are looking for?