India ¡ INR Infrastructure

Move money in Indian rupees — without an Indian bank account*.

Collect from Indian customers, pay Indian suppliers, and manage the FX in between — on named INR virtual accounts that settle to you in the currency you already bank in.
Start expanding into IndiaSee the products
Settle in
USD
EUR
SGD
AUD
GBP
+30 more
1.4B+
Population
Instant
UPI settlement, 24/7
500+
banks live on UPI
#1
the world's largest real-time payments system by volume
Why local rails matter

India's UPI processes more real-time payments than any other rail on earth. Your infrastructure should connect to it.

In India, UPI has turned real-time bank transfers into the default way people and businesses move money — tens of billions of transactions a month, settled instantly through NPCI's network, whether it's a street vendor's QR code or a business-to-business payment.

For merchants operating from outside India, that speed creates two problems. Without a local account, there's no straightforward way for an Indian customer to pay you in Indian rupees, and generic pooled accounts make it difficult to tell whose payment just landed. Paying an Indian supplier from abroad usually means a slow international wire, an unfavourable exchange rate buried in the transfer, and days of uncertainty before the supplier can confirm receipt.

DSGPay solves both sides from one platform. You get a dedicated named local INR virtual account plus the foreign exchange to move value in and out of Indian rupees at rates built for volume, not for one-off retail transfers. No Indian entity required. ₹ in, your currency out — or the reverse, for payouts.
The DSGPay Australia stack

Four building blocks. One INR-denominated ledger.

Use one, or use all four — collections, payouts, and FX are designed to sit on top of the same named account infrastructure.
Collect

1. Named Virtual Accounts

A dedicated INR account opened in your merchant name. Indian customers deposit directly into it in real time, exactly as they would to any local business — no card rails, no wallets, no waiting.
Customer deposits INR
→
Your named account
→
Settled in USD, EUR, SGD, AUD, GBP
Reconcile

2. Collections

One-time, single-use INR virtual accounts generated per transaction or per customer. Built for high-volume merchants who need to identify exactly which Indian customer paid, without manual matching.
Unique account per order
→
Auto-matched deposit
→
Clean reconciliation
Pay out

3. INR Real-Time Payouts

Prefund in USD, EUR, or your working currency, and pay Indian suppliers, partners, or employees in Indian rupee in real time — on UPI, the same rails Indian businesses use to pay each other.
You prefund
→
DSGPay converts
→
Supplier paid instantly
Convert

4. INR FX

Buy and sell INR against USD, EUR, JPY, SGD, AUD, and 30+ other currencies, at rates built for the volume behind your collections and payouts, not a one-off retail conversion.
30+ funding currencies
→
Competitive INR rate
→
Applied automatically
Why India, on DSGPay

Built for how money actually moves in India

Your presence in India

A named INR virtual account gives you a local footprint without the cost or delay of setting one up yourself.

Real-time reconciliation

Clearly separate and identify incoming INR deposits so every transaction and balance updates instantly.

Faster and cheaper

Local INR rails settle faster and at a lower cost than routing every transaction through SWIFT.

30+ currencies

Fund and settle in USD, EUR, JPY, SGD, AUD, and dozens of other major and regional currencies alongside INR.
How the money moves

Two directions, one platform

Collections bring INR in and settle out in your currency. Payouts start in your currency and land in INR. DSGPay's FX sits in the middle of both.
Starts with
Indian customer
Deposits INR
→
DSGPay FX
→
Settles out
Ends with
You, in USD, EUR, SGD, AUD, GBP
Starts with
You, prefunding
USD, EUR, or your working currency in
→
DSGPay FX
→
Pays out INR
Ends with
Indian supplier
Ready when you are

Ready to collect, pay out, and convert in indian rupee?

Tell us how you're moving money in and out of India today, and we'll show you what it looks like on DSGPay.
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Who We Serve
About Us
DSGPay operates as a licensed or registered payments provider in Hong Kong, Thailand, and Australia. Our operations are supervised by the respective local regulatory authorities.

Hong Kong: Licensed Money Service Operator (License No. 15-08-01682). Hong Kong Customs and Excise Department.

Thailand: Licensed E-Payment Service Provider. Entity Name: Bahtsmart Co., Ltd. (ā¸šā¸Ŗā¸´ā¸Šā¸ąā¸— ā¸šā¸˛ā¸—ā¸Ēā¸Ąā¸˛ā¸ŖāšŒā¸— ā¸ˆā¸ŗā¸ā¸ąā¸”). Regulated by the Bank of Thailand (BOT). To verify our license,
please search using our Thai company name on the BOT portal.

Australia: Registered with AUSTRAC as an Independent Remittance Dealer.
‍
In these markets, DSGPay does not hold a direct license or registration; the licensed local partner is responsible for regulatory compliance in that jurisdiction. This partnership model allows DSGPay to offer consistent service across its network while ensuring every transaction is processed in accordance with applicable local law.

*DSGPay is a licensed payment institution, not an authorised deposit-taking institution (ADI) or bank. Funds processed through DSGPay are not bank deposits and are not covered by any deposit insurance or protection scheme. Depending on the jurisdiction, customer funds may be held in segregated accounts, safeguarded accounts, or trust arrangements with licensed banking partners, in accordance with the regulatory requirements applicable in that country. Customers should refer to the terms and conditions applicable to their account for details specific to their market.