PayGlocal secures India patent for cross-border payments

By Vriti Gothi

Cross-border payments platform PayGlocal has been granted a patent by the India Patent Office for its system that optimises payment success rates (PSR) in international card transactions, marking a rare instance of software-led payments innovation receiving intellectual property protection in India.

The patented technology focuses on issuer-aware orchestration, enabling PayGlocal to dynamically determine when and how customer authentication is applied during cross-border transactions. By programmatically managing liability and authentication flows based on contextual risk and issuer-specific behaviour, the system aims to reduce friction and improve approval rates for international card payments.

The development addresses a persistent challenge in global payments: the inconsistent implementation of 3D Secure (3DS) protocols by Access Control Servers across regions. Variations in how identity checks are enforced often result in fragmented customer experiences and higher transaction drop-offs. PayGlocal’s approach introduces a processing layer that identifies regions and issuers where authentication flows are likely to disrupt the checkout experience and reroutes those checks through its own platform.

According to the company, this alignment of transaction processing with issuer expectations leads to higher acceptance rates without compromising risk controls. The patent formally recognises PayGlocal’s method of identifying issuer behaviour and orchestrating cross-border card flows at a system level.

“High payment success rates don’t happen by accident,” said Rohit Sukhija, Co-founder and Chief Product Officer at PayGlocal. “The high PSR delivered by PayGlocal is a direct outcome of our deep understanding of global payments and our ability to convert that knowledge into issuer-aware processing systems that handle complexity in real time. This patent confirms that what we’ve built is proprietary infrastructure logic, not just implementation.”

The newly granted patent formalises that processing layer as protected intellectual property. PayGlocal said the patented capability is now embedded across its platform and used by all its merchants, including large enterprises seeking to convert international traffic into completed payments.

Software patents in the payments domain remain uncommon in India due to stringent requirements around technical novelty and demonstrable industrial application. Industry observers note that the patent grant underscores the growing emphasis on infrastructure-level innovation in cross-border payments, as merchants and platforms look to balance regulatory compliance, fraud controls, and customer experience at scale.