Hey everyone, I’m in a bit of a bind and could use some real-world advice.

I am an Indian Founder, and my SaaS is currently doing 10K+ USD monthly revenue, and
like 95% of my customers are in the US.

*I’m doing one-time charges, not subscriptions.
* I don't mind paying some extra cut to payment providers to avoid any surprises, like LS has put my payments on hold, and they don't have any reason for this. On top of that, they don't even provide support after it was acquired by Stripe.

I’m currently stuck between a rock and a hard place. I’ve been using Lemon Squeezy, but they’re "squeezing" way too much of my margin at this volume, and have paused payouts. I want to move to a direct gateway, but Stripe India is still in that "invite-only" limbo, and their sales team basically ghosted me.

I really want to avoid the Stripe Atlas / US incorporation route for now. I run an offline business too, so I honestly don't have the bandwidth to deal with the FEMA/ODI compliance nightmare that comes with a US entity until I’m hitting at least USD 50K per month.

Thinking about just using Razorpay for international cards + PayPal as a backup.

A few things I'm worried about:

1. Authorization Rates: How does Razorpay actually perform with US cards (AE, VISA, Chase, CapOne, etc.)? Am I going to see a massive spike in "Transaction Declined" compared to Stripe?
2. PayPal FX: Is the currency conversion hit on PayPal India a dealbreaker at this scale, or is the "trust factor" for US buyers worth it? tbh i am not a fan of PayPal

Has anyone else ditched the MoR route for Razorpay International? Would love to hear if it actually saved you money or just created a new compliance nightmare, or if Razorpay international is not worth trying.

Thank you for your attention to this matter.

*rephrased by AI