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Documentation Index

Fetch the complete documentation index at: https://payglocal.mintlify.app/llms.txt

Use this file to discover all available pages before exploring further.

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What is MCA?

Merchant Collection Accounts (MCA) are virtual bank accounts provisioned by PayGlocal that allow merchants to receive international payments in multiple currencies — USD, EUR, GBP, AUD, and more — directly into accounts held in those countries. Instead of asking foreign customers to make a cross-border wire, your merchant shares a local bank account in the customer’s currency and country. The customer pays locally; PayGlocal handles settlement back to the merchant in INR.

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How It Works

1. Global Accounts Assigned

After a merchant is fully onboarded and activated, PayGlocal assigns virtual bank accounts across enabled currencies. Each account has local routing details (ABA, BSB, Sort Code, etc.).

2. Merchant Shares Details

The merchant shares the relevant account details with their overseas buyer. The buyer sends a local bank transfer — no SWIFT fees, no cross-border friction.

3. PayGlocal Settles

PayGlocal receives the funds, collects a supporting invoice from the partner, and settles the INR equivalent to the merchant’s bank account.

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Integration Overview

As a partner, your integration involves three surfaces:
SurfaceWhat you do
Account FetchAfter merchant activation, call the API to retrieve their assigned virtual account details and surface them in your dashboard.
WebhooksListen for lifecycle events — fund receipt, settlement, FIRC — to keep your system in sync without polling.
Document UploadWhen funds arrive, upload the supporting invoice so PayGlocal can process settlement.

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Transaction Lifecycle

Customer sends funds to virtual account
              │
              ▼
    DOCUMENT_PENDING ──── partner uploads invoice
              │
              ▼
    SENT_FOR_SETTLEMENT
              │
              ▼
           SETTLED
              │
              ▼
       FIRC_RECEIVED
StatusWhat it means
DOCUMENT_PENDINGFunds received into the virtual account; PayGlocal is waiting for the supporting invoice
SENT_FOR_SETTLEMENTInvoice accepted; transaction is being processed for settlement
SETTLEDFunds settled to the merchant’s INR bank account
FIRC_RECEIVEDForeign Inward Remittance Certificate generated and available

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Guides

Fetch Account Details

Retrieve the virtual account details assigned to an onboarded merchant.

Webhook Events

Handle lifecycle notifications for fund receipt, settlement, and FIRC.

Upload Documents

Generate a presigned URL and upload the supporting invoice.