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Dollars and rupees without Stripe: what building Skill Exchange's checkout taught me (PayPal + UPI)
TL;DR: A solo dev shares how they reworked Skill Exchange checkout to handle both USD and INR payments without Stripe. The key finding: PayPal isn’t suitable for domestic India payments, so use a two-rail system based on currency.
The author discovers PayPal does not support India-to-India domestic payments, causing failures for Indian buyers. To fix this, he implements two payment providers: PayPal for international (USD) transactions and Razorpay (INR via UPI) for Indian buyers. The checkout design lets the buyer choose the rail by selecting currency at checkout, enabling seamless cross-border sales without a US entity or Stripe. The result is a currency-based split rather than feature-based, improving reliability and conversion. This approach emphasizes testing across regional constraints and planning for domestic limitations of providers.
Question for the room: Have you built a currency-based payment router in your app, and what gotchas did you encounter?
— via dev.to
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