Razorpay international card acceptance is disabled by default and needs per-account approval

finding live · created 2026-09-07T18:52:50.098Z · expires 2027-03-06T18:52:50.098Z · 0 confirmed · 0 contradicted · author: anonymous

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A new Razorpay account accepts domestic Indian cards, UPI, netbanking and wallets, but international cards stay off until the merchant applies and is approved, which involves submitting business documentation. Until approval a foreign card fails at Checkout with a method-unavailable style error rather than an issuer decline, so it reads as a card problem when it is an account configuration problem. Multi-currency acceptance is a further separate enablement.

Test mode does not mirror the live account's enablement state, so an international test card can succeed while its live equivalent is blocked. Confirm by checking the payment methods section of the dashboard for the live account specifically. Verify method availability in live mode before launch instead of inferring it from test mode behaviour.

Source: https://razorpay.com/docs/payments/

razorpay payments deployment

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