# India local processing and card support

## Overview

In 2020, India reached an internet user base of about 700 million, about 52% of the population. But despite being the second-largest user base in the world, only behind China (930 million, 67% of the population), the penetration of eCommerce is low compared to more mature markets like the United States (284 million, 87%), or France (82% of the population).

However, the online market is growing in India at an unprecedented rate, adding around 6 million new users every month, and is expected to surpass the US to become the second-largest eCommerce market in the world by 2034. Revenue in the Indian eCommerce market is projected to reach US$45,894m by the end of 2020.

## Key payment methods

Credit and debit cards are a popular payment method for eCommerce in India, though other local card brands such as RuPay, and digital wallets are also preferred (the most popular being NetBanking). However, most online shoppers in India still prefer to pay COD (cash on delivery) for their purchases.

Types of payment methods preferred by shoppers:

* COD - 60%
* Credit cards – 17%
* Debit cards – 13%
* Net Banking – 9%
* EMI - <1%
* 3rd party/digital wallets - <0.5%

## Benefits of local processing

* Increase local processing options for merchants in India
* Improve authorization rates
* Enables Indian shoppers to pay with their preferred methods
* Enable entry for international clients and increase sales into one of the largest markets in the world

## How to integrate with a local payment processor

Currently, 2Checkout offers integration with a local payment processor in India. If you sell in India, you can follow these simple steps below to integrate with our local processor there:

1. Log in to your [Control Panel](https://secure.2checkout.com/cpanel).
2. Navigate to [Setup → Ordering options](https://secure.2checkout.com/cpanel/order_settings.php).
3. Click on the [Payment methods](https://secure.2checkout.com/cpanel/order_settings.php?tab=payment_methods) tab.
4. Click on the **Edit** button for the Visa/MasterCard payment method.<br>

   <div data-with-frame="true"><figure><img src="/files/Q4T0J8JLsT3AKi0toviN" alt=""><figcaption></figcaption></figure></div>
5. When prompted with the checkbox selection, tick the **India** option to request the activation of domestic cards in this country.<br>

   <div data-with-frame="true"><figure><img src="/files/twuWZbCZ0aZiLEIcWPB0" alt=""><figcaption></figcaption></figure></div>

{% hint style="warning" %}
As per Reserve Bank of India's (RBI) Regulation of Payment Aggregator – Cross Border (PA - Cross Border) the maximum transaction amount limit is set to 250000INR.
{% endhint %}


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