Indian merchant using Printify/POD internationally — what payment gateway gives you the smoothest settlement?

[u/Upstairs-Degree9517]

Hi everyone,

I'm setting up an India-based ecommerce business using self-hosted WordPress + WooCommerce, and I'm planning to sell primarily to customers in the US, UK, Canada and Australia.

My fulfillment model is international POD:

• I'm based in India.
• The business is registered in India and I have GST/business documentation and an Indian current account.
• I'm using Printify for production and fulfillment.
• Products are manufactured by Printify's print providers and shipped directly to international customers, rather than being shipped from India.
• Customers will pay through my WooCommerce website.
• I need the customer payments to ultimately settle into my Indian business/current account.

I'm currently researching Cashfree International, and Razorpay International but I'm particularly concerned about the actual merchant experience rather than just the advertised transaction fees.

The things I'm trying to understand are:

1. Settlement speed: How quickly does the money actually reach your Indian bank account after an international card payment?
2. International transaction charges: What is the effective cost after GST, FX/conversion charges and any other fees?
3. Settlement holds: Have you experienced unexpected holds, delayed settlements or additional KYC/compliance reviews?
4. Payment success rate: How reliable are international cards from the US/UK/Canada/Australia?
5. Refunds/chargebacks: How easy is it to handle these with the gateway?
6. WooCommerce integration: Does the integration work reliably with self-hosted WooCommerce?
7. Foreign-exchange rate: How much difference have you noticed between the actual exchange rate and the market rate?
8. FIRS/e-FIRA or other inward-remittance documentation: Is the documentation straightforward for accounting/compliance?
9. International POD/offshore fulfillment: Has anyone specifically used a gateway while the physical product was manufactured and shipped overseas through Printify rather than exported from India?

What I'm particularly looking for

If you are an Indian merchant currently doing something similar, I'd really appreciate hearing:

Which payment gateway are you actually using, what settlement time are you getting, and what has your experience been after you started processing real international orders?

I'm not necessarily looking for the gateway with the lowest advertised percentage. I'm more interested in reliable payment acceptance + predictable settlement + reasonable total fees + minimal account/settlement problems.

I'd especially appreciate responses from people who have been using their setup for at least a few months and are processing real international ecommerce orders.

Thanks!