CONTEXT
I run a single Shopify store selling women’s fashion (about 50 SKUs with colour
and size variants) and I want to serve both the US and India from one store and
one domain.
Store setup:
- Store country / address: United States
- Store base currency: USD
- Plan: currently testing on a development store; will launch on Basic
- Markets: United States (primary) and India
- India market: currency INR, Dynamic FX, price rounding to nearest 100 INR
- Single language (English), single domain
- India shipping zone configured with a flat rate
GOAL
Indian customers should be able to pay the way they normally do - UPI, and
ideally cash on delivery - and be charged in INR.
WHAT I TRIED
I installed the Razorpay payment provider (“Cards, UPI, NB, Wallets by
Razorpay”) from Settings > Payments > Add provider. It installed without any
country restriction warning on my US-address store.
WHAT I OBSERVED AT CHECKOUT (test mode)
- Razorpay appears as a payment option at checkout.
- Checkout displays prices in INR as expected.
- Selecting Razorpay redirects to the Razorpay payment page.
- On the Razorpay page, the amount is shown in USD, not INR.
- Only credit card is offered. UPI does not appear.
MY UNDERSTANDING SO FAR
From the Help Center, local currency checkout is only supported with Shopify
Payments (and Adyen). With any other provider, the local currency setting only
changes how prices are displayed, and at checkout the amount is converted to the
store’s default currency and the customer is charged in that currency.
If that is correct, then because my store’s base currency is USD, Razorpay
always receives a USD transaction - and since UPI only processes INR domestic
payments, UPI can never be offered on my store regardless of Razorpay account
status or plan.
QUESTIONS
-
Is that understanding correct? Is there any supported configuration where a
US-base-currency store can have a third-party gateway charge the customer in
INR rather than USD?
-
On the Basic plan, is it possible to show a payment provider only to
customers in one market? I can see “Payment method customizations” in
settings on my development store, but I believe that is a Plus-only feature.
Can someone confirm whether it is available on Basic?
-
Does Shopify Managed Markets support local payment methods for India,
specifically UPI? I could not find India coverage documented either way.
-
If none of the above work, is running a second Shopify store with an India
store address (and an Indian entity and gateway) the only supported way to
offer UPI and cash on delivery to Indian customers?
I would rather confirm this before committing to a structure, since the answer
decides whether I run one store or two. Any confirmation from Shopify staff or
from merchants selling into India from a US store would be very helpful.
Thank you.
Hey @Elavarasan_Natarajan, your read of the docs is right. Shopify only settles checkout in the customer’s local currency when Shopify Payments or Adyen is the processor. Any other provider converts back to the store currency at checkout, so Razorpay is getting USD and UPI never shows. That’s here: https://help.shopify.com/en/manual/markets/payments and here: https://help.shopify.com/en/manual/international/pricing/limitations
There isn’t a supported switch that makes a third-party gateway charge INR while the store currency is USD.
Shopify Payments on the US store would let Indian customers pay cards in INR. It will not give you UPI.
On hiding Razorpay from US customers: payment method customization apps are available below Plus, with some credit-card limits in the US. Shopify’s page: https://help.shopify.com/en/manual/checkout-settings/checkout-customization That still does not make Razorpay charge INR.
Managed Markets local methods (Klarna, Bancontact, and so on) don’t list UPI or India: https://help.shopify.com/en/manual/international/managed-markets/shopify-payments
If UPI and COD are non-negotiable, you need an India-based store and gateway that actually settles INR. One US store with Razorpay tacked on won’t do it.
Your understanding matches what I’ve seen in practice: with a third-party gateway on a USD base-currency store, the INR at checkout is display-only and the gateway still receives a USD transaction, which is exactly why Razorpay’s page shows USD and only offers cards (UPI is INR-domestic only).
Worth testing on your dev store anyway, but note that hiding or reordering providers per market only changes what the shopper sees, it doesn’t change the settlement currency, so it won’t unlock UPI either.
On your question 4 - every setup I’ve seen that does UPI + COD properly for India from a US company ended up as a second store with an Indian address, entity and gateway, so I’d budget for that structure before launch rather than after.
Your reading of the docs is right, and there is a trap in the payment customization question. Development stores expose features your live plan might not have, so seeing Payment method customizations there is not confirmation you get it on Basic. It also would not solve this anyway, because showing or hiding a provider per market does not change which currency the gateway is handed, and UPI only processes INR domestic. If UPI and cash on delivery are must haves for India, that answers your one store or two question for you, an Indian entity with its own store and gateway is the supported route.
@Elavarasan_Natarajan With one storefront serving US and India, I’d separate the configuration from what Shopify actually resolves for a shopper in each country.
If you share one product URL, I can run it once under US context and once under India context through Drishq MarketCheck and report the observed market, product path, availability and storefront result.
No install needed.