How to Get Stripe/PayPal in India

Arvind Singh Shekhawat
20 Aug, 2025

How to Get Stripe/PayPal in India (The Legal Way) – 2025 Guide

Reality check: Every Indian freelancer and digital creator hits the same wall – how do I receive payments from abroad? Stripe isn’t available for individuals in India, PayPal is messy with fees, and shady hacks can land you in trouble. Let’s fix this, the legal way.

Why You Need Stripe or PayPal in India

  • Sell digital products worldwide (Whop.com, Gumroad, Shopify, etc.).
  • Get paid by U.S./EU clients without begging for bank transfers.
  • Access global SaaS and affiliate networks that only pay via Stripe/PayPal.
Stripe and PayPal logo with Indian rupee and laptop for online payments


Option 1: Register a Business Entity

The cleanest route is to set up a business in India (Private Limited, LLP, or even Sole Proprietorship with GST). Why?

  • You can open a business Stripe account legally linked to your Indian company.
  • PayPal Business accounts are easier to verify with company documents.
  • Looks professional to international clients.

Option 2: Use Stripe Atlas (U.S. Company Setup)

If you want to play global, Stripe Atlas helps you register a U.S. company (Delaware C-Corp) for around $500–$700. Pros:

  • Instant access to Stripe, Mercury Bank, and U.S. financial ecosystem.
  • Great if your customers are mostly U.S.-based.

Cons: You’ll need to manage taxes in both India & the U.S. – not for absolute beginners.

Stripe Atlas U.S. company setup concept with global earnings


Option 3: PayPal India (The Partial Fix)

PayPal India is legal but limited. You can:

  • Open a PayPal Business account with PAN, Aadhaar, and bank details.
  • Receive money from abroad (auto-withdraws to Indian bank account).
  • Drawback: High fees (4–6%) and frequent holds.
Indian freelancer setting up PayPal business account


Option 4: Payment Aggregators (For Small Creators)

Don’t want full business setup yet? Try Indian alternatives like:

  • Razorpay – supports international cards + PayPal integration.
  • Instamojo – simple payment links for freelancers.
  • Payoneer – receive money from U.S. companies, withdraw to Indian bank.
Razorpay Payoneer PayPal logos for Indian creators payouts


These are 100% legal and beginner-friendly.

What NOT to Do

Some people recommend shady workarounds like:

  • Using a friend’s U.S. Stripe account.
  • Fake address or fake EIN setups.
  • VPN hacks to register foreign accounts.
Legal guide for Indians to set up Stripe, PayPal, and alternatives like Razorpay & Payoneer


Warning: These can freeze your funds, ban your account, or even trigger legal issues. Not worth it.

Final Verdict

To get Stripe/PayPal in India legally, you have two clean paths: Register an Indian business or use Stripe Atlas for a U.S. company. For beginners, start with PayPal India + Razorpay/Payoneer and scale up later.

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Frequently Asked Questions

Can individuals in India open Stripe directly?
Stripe is not generally available to Indian individuals. Use a registered Indian business or a US entity via Stripe Atlas for compliant access.
Is PayPal Business legal in India?
Yes. You can open PayPal Business with PAN/Aadhaar and Indian bank details. Funds auto-withdraw to your bank. Fees apply.
What’s the simplest legal route for beginners?
Start with PayPal India or Razorpay (international enabled) and/or Payoneer. Upgrade to Stripe via Indian business or Stripe Atlas as you scale.
Should I use Stripe Atlas (US company)?
If most customers are in the US and you’re comfortable with US compliance and taxes, Atlas is clean and powerful. Otherwise, start with an Indian entity.
Are VPN or fake address workarounds safe?
No. They risk account bans and frozen funds. Stick to compliant entity setup and verified KYC.
How do I reduce fees on international payments?
Negotiate processor rates as volume grows, route US payouts via Stripe/PayPal with a US account, or use Payoneer for compatible marketplaces.
Arvind Singh Shekhawat

Author Mr Arvind Singh Shekhawat

About Arvind Singh Shekhawat: Arvind Singh Shekhawat is a blogger, author, speaker, trainer, consultant, and entrepreneur. He has created digital marketing training programs to trained more and more students, helping them become digital marketers. He also runs a performance marketing agency where he consults premium brands on domains like real estate, lifestyle, e-commerce, etc. He also runs a one-of-a-kind Digital Marketing internship program. His mission is to train and create a million digital marketers.

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