Indian dev builds dual-payment checkout using PayPal for USD and Razorpay for UPI

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A solo Indian developer building an AI skills marketplace discovered that Stripe is not viable for Indian merchants needing to accept both international and domestic payments simultaneously. PayPal, commonly assumed to be a global solution, shut down India-to-India domestic transactions in April 2021, leaving it useful only for cross-border payments from international buyers. To solve this, the developer implemented a two-provider architecture routing international buyers through PayPal in USD and Indian buyers through Razorpay via UPI in INR. The payment rail is selected at checkout based on the buyer's chosen currency, with a timezone-based default that users can manually override. The developer also cautions against simple USD-to-INR price conversion, recommending regional price points instead, as direct currency conversions tend to feel expensive to Indian buyers of digital goods.

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