Digital KYC & Compliance
Real-time customer verification via NSDL and UIDAI. Automated A2 forms with digital signatures ensure complete KYC and FEMA compliance for every remittance.
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Seamless Remittance API
Connecting Your Business
To Global Remittances
Integrate RBI-approved international money transfer capabilities directly into your platform with our developer-first API infrastructure
RBI Approved
Banking Grade Security
ISO 27001 & SOC 2 Certified
99.9% Uptime
Why Choose Fairexpay LRS API?
Developer-First Infrastructure
Integrate remittance capabilities into your platform using comprehensive, well-documented APIs. Built for technical teams requiring reliable and scalable cross-border payment infrastructure.
Automated KYC and Compliance
Eliminate manual verification with real-time KYC APIs integrated with NSDL and UIDAI databases. Automated compliance workflows reduce operational overhead significantly.
Intelligent Payment Orchestration
Optimize payment collection with smart routing across multiple gateways. Increase transaction success rates and reduce payment failures through automated orchestration capabilities.
Complete Regulatory Coverage
All remittances processed through the API operate under RBI approval, covering FEMA compliance, TCS automation, A2 form generation, and regulatory reporting requirements.
LRS API
Implementation Process
Discovery
Assess your platform architecture, integration requirements, compliance workflows, and API usage patterns to define a structured technical implementation plan.
Integration
Access comprehensive API documentation, sandbox credentials, and technical support. Configure authentication, implement endpoints, and connect payment gateways within your platform environment.
Testing
Conduct thorough sandbox testing of KYC flows, payment scenarios, compliance validations, and error handling before moving to production.
Go-Live
Activate production API access with live monitoring, performance optimization, and dedicated technical support ensuring reliable operations from the first transaction.
Our LRS API implementation process is designed to help technical teams integrate remittance capabilities efficiently without disrupting existing platform architecture. We provide complete API documentation, sandbox environments with realistic test scenarios, and dedicated technical support from our integration team throughout the entire process.
Customer Testimonials
"Compliance Without Complexity"
“Managing TCS calculations and FEMA compliance manually was consuming significant resources. Fairexpay's compliance APIs handle all of that automatically. Our team now focuses on building features rather than managing regulatory processes.”
"Integration Was Smooth and Reliable"
“Fairexpay's API documentation is thorough and well-structured. Our development team completed the integration without delays. The KYC automation and compliance handling through the API removed significant operational overhead from our internal team.”
"Payment Success Rates Improved"
“After integrating Fairexpay's payment orchestration API, our collection success rates improved noticeably. The smart routing logic handles gateway failures automatically, and the real-time status updates made our transaction tracking far more accurate and dependable.”
"Compliance Without Complexity"
“Managing TCS calculations and FEMA compliance manually was consuming significant resources. Fairexpay's compliance APIs handle all of that automatically. Our team now focuses on building features rather than managing regulatory processes.”
CTO, Fintech Payments Platform
Fintech Solutions
Product Head, EdTech Platform
EdTech Solutions
Engineering Manager, Digital Payment Gateway
Fintech Infrastructure
"Payment Success Rates Improved"
“After integrating Fairexpay's payment orchestration API, our collection success rates improved noticeably. The smart routing logic handles gateway failures automatically, and the real-time status updates made our transaction tracking far more accurate and dependable.”
Trusted by Leading LRS API Organizations
These organizations represent technically equipped businesses that have embedded Fairexpay's LRS API into their platforms to deliver compliant international remittance services to their customers. From fintech companies and EdTech platforms to payment processors and software providers, partners across sectors rely on our API infrastructure for reliable, scalable, and regulatory-compliant remittance processing.
Enterprise Grade Security & Compliance
Built with global standards for Trust, Security, and Compliance
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RBI
Approved
Approved
ISO
27001
27001
SOC 2
Certified
Certified
FEMA
Compliant
Compliant
Universal Compliance Elements
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RBI Recognized: Fully authorized money transfer operator
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ISO 27001 Certification: Information security management systems
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SOC 2 Type II Compliance: Service organization security controls
Fairexpay's LRS API is built on banking-grade infrastructure maintained to the highest security and compliance standards. All API endpoints are protected through secure authentication and access control mechanisms. Every transaction processed through the API adheres to RBI regulations, FEMA guidelines, and applicable TCS requirements automatically.
Enterprise Grade Security & Compliance
Built with global standards for Trust, Security, and Compliance
RBI
Approved
Approved
ISO
27001
27001
SOC 2
Certified
Certified
FEMA
Compliant
Compliant
Universal Compliance Elements
arrow_right_alt
RBI Recognized: Fully authorized money transfer operator
arrow_right_alt
ISO 27001 Certification: Information security management systems
arrow_right_alt
SOC 2 Type II Compliance: Service organization security controls
Fairexpay's LRS API is built on banking-grade infrastructure maintained to the highest security and compliance standards. All API endpoints are protected through secure authentication and access control mechanisms. Every transaction processed through the API adheres to RBI regulations, FEMA guidelines, and applicable TCS requirements automatically.
Complete Guide to
LRS API
The LRS API is a developer-first remittance infrastructure that enables businesses to embed RBI-approved international money transfer capabilities directly into their existing platforms. Fairexpay provides a comprehensive set of API endpoints covering customer verification, compliance automation, payment collection, remittance processing, and transaction reporting so technical teams can build fully functional remittance workflows without building backend infrastructure.
The Digital KYC & Compliance API automates customer verification and regulatory adherence across every remittance transaction. Technical teams integrate verification endpoints directly into onboarding and transaction flows.
Key Capabilities:
- Real-time PAN verification through NSDL database integration
- Aadhaar validation through UIDAI database integration
- Automated digital A2 form generation per transaction
- e-Mudhra digital signature attachment on compliance documents
- FEMA validation applied automatically on every remittance request
- Audit trail generation for regulatory documentation requirements
The Payment Orchestration API manages the collection of customer payments across multiple methods and routes transactions intelligently based on gateway availability and performance.
Key Capabilities:
- Multi-gateway payment infrastructure covering 70+ banks, including UPI, net banking, and cards
- Intelligent routing optimizing payment success rates
- Automated retry logic for failed payment attempts
- Real-time payment status API for live transaction tracking
- Automated reconciliation matching collections with remittance orders
- Refund processing API with status tracking and notification support
How It Works: Partners submit remittance requests via API after customer KYC is verified and payment is collected. Fairexpay processes the transfer through authorized banking channels and delivers funds to the destination account.
Transaction Details:
- Supported currencies: 15+ currencies
- Supported destinations: 180+ countries
- Processing timeline: 1-2 business days (T+1)
- Confirmation: SWIFT copy generated and returned via API on settlement
- Annual limit per customer: USD 250,000 under LRS regulations
LRS Framework: All remittances comply with the Liberalised Remittance Scheme allowing Indian residents to transfer up to USD 250,000 per financial year for permitted purposes. The API validates purpose codes and amounts automatically.
FEMA Compliance: The Foreign Exchange Management Act governs all outward remittances from India. FEMA validation is embedded in every API transaction ensuring continuous regulatory adherence.
TCS Automation:
- 0% TCS: Education remittances funded through education loans
- 5% TCS: Self-funded education and medical remittances above INR 10 lakh
- 20% TCS: All other remittances above INR 10 lakh TCS is computed and applied automatically based on purpose code and transaction amount.
The LRS API supports all permitted outward remittance purposes under LRS including education fees, living expenses abroad, student accommodation payments, GIC transfers, travel expenses, medical treatment abroad, emigration, employment outside India, examination fees, visa application fees, and gift or family maintenance transfers.
Authentication: Secure API keys are provided during onboarding. All requests must be authenticated using the provided credentials to ensure authorized access to remittance processing endpoints.
Sandbox Environment: A fully functional sandbox environment is available for integration testing covering all API endpoints, payment scenarios, KYC flows, and compliance validations before production deployment.
Webhook Support: Real-time event notifications are delivered via webhooks for transaction status updates, KYC completion events, payment confirmations, and settlement alerts enabling responsive platform workflows.
Error Handling: Standardized error codes and descriptive messages are returned for all failure scenarios. Comprehensive error documentation helps development teams build robust fallback and retry logic.
Complete Guide to
LRS API
LRS API
The LRS API is a developer-first remittance infrastructure that enables businesses to embed RBI-approved international money transfer capabilities directly into their existing platforms. Fairexpay provides a comprehensive set of API endpoints covering customer verification, compliance automation, payment collection, remittance processing, and transaction reporting so technical teams can build fully functional remittance workflows without building backend infrastructure.
The Digital KYC & Compliance API automates customer verification and regulatory adherence across every remittance transaction. Technical teams integrate verification endpoints directly into onboarding and transaction flows.
Key Capabilities:
- Real-time PAN verification through NSDL database integration
- Aadhaar validation through UIDAI database integration
- Automated digital A2 form generation per transaction
- e-Mudhra digital signature attachment on compliance documents
- FEMA validation applied automatically on every remittance request
- Audit trail generation for regulatory documentation requirements
The Payment Orchestration API manages the collection of customer payments across multiple methods and routes transactions intelligently based on gateway availability and performance.
Key Capabilities:
- Multi-gateway payment infrastructure covering 70+ banks, including UPI, net banking, and cards
- Intelligent routing optimizing payment success rates
- Automated retry logic for failed payment attempts
- Real-time payment status API for live transaction tracking
- Automated reconciliation matching collections with remittance orders
- Refund processing API with status tracking and notification support
How It Works: Partners submit remittance requests via API after customer KYC is verified and payment is collected. Fairexpay processes the transfer through authorized banking channels and delivers funds to the destination account.
Transaction Details:
- Supported currencies: 15+ currencies
- Supported destinations: 180+ countries
- Processing timeline: 1-2 business days (T+1)
- Confirmation: SWIFT copy generated and returned via API on settlement
- Annual limit per customer: USD 250,000 under LRS regulations
LRS Framework: All remittances comply with the Liberalised Remittance Scheme allowing Indian residents to transfer up to USD 250,000 per financial year for permitted purposes. The API validates purpose codes and amounts automatically.
FEMA Compliance: The Foreign Exchange Management Act governs all outward remittances from India. FEMA validation is embedded in every API transaction ensuring continuous regulatory adherence.
TCS Automation:
- 0% TCS: Education remittances funded through education loans
- 5% TCS: Self-funded education and medical remittances above INR 10 lakh
- 20% TCS: All other remittances above INR 10 lakh TCS is computed and applied automatically based on purpose code and transaction amount.
The LRS API supports all permitted outward remittance purposes under LRS including education fees, living expenses abroad, student accommodation payments, GIC transfers, travel expenses, medical treatment abroad, emigration, employment outside India, examination fees, visa application fees, and gift or family maintenance transfers.
Authentication: Secure API keys are provided during onboarding. All requests must be authenticated using the provided credentials to ensure authorized access to remittance processing endpoints.
Sandbox Environment: A fully functional sandbox environment is available for integration testing covering all API endpoints, payment scenarios, KYC flows, and compliance validations before production deployment.
Webhook Support: Real-time event notifications are delivered via webhooks for transaction status updates, KYC completion events, payment confirmations, and settlement alerts enabling responsive platform workflows.
Error Handling: Standardized error codes and descriptive messages are returned for all failure scenarios. Comprehensive error documentation helps development teams build robust fallback and retry logic.
Frequently Asked Questions
The LRS API enables businesses to embed complete international money transfer capabilities into their existing platforms. It covers customer KYC verification, payment collection, remittance processing, compliance automation, and transaction reporting through a unified set of well-documented endpoints.
The LRS API is built for technically equipped businesses including fintech platforms, EdTech companies, payment gateway providers, software providers, and PSPs that want to offer remittance services natively within their existing product without redirecting customers to a third-party interface.
The LRS API supports remittances in 15+ international currencies to 180+ countries. All transfers are processed within 1-2 business days (T+1) and SWIFT copies are generated as settlement confirmation.
The documentation covers all available endpoints, request and response formats, authentication requirements, error codes, webhook event types, sandbox testing instructions, and integration best practices enabling a complete and self-sufficient integration experience.
Yes, a complete sandbox environment is provided with test credentials. All API flows including KYC verification, payment processing, remittance submission, and compliance validation can be tested fully before moving to production deployment.
All regulatory and compliance changes including updates to FEMA guidelines, TCS rates, and RBI requirements are incorporated into the API by Fairexpay automatically. Partners do not need to modify their integration when regulations change.
No separate authorization is required. API partners process remittances under Fairexpay's RBI-approved infrastructure and benefit from complete compliance coverage without independent licensing.
KYC is performed by calling the verification endpoints, which validate PAN against NSDL and Aadhaar against UIDAI in real time. Once verified, the system generates a digital A2 form with an e-Mudhra signature completing the compliance requirement for that customer.
TCS computation is handled automatically by Fairexpay based on the remittance purpose code and transaction amount submitted in the API request. The computed TCS amount is returned in the response and applied to the transaction without requiring manual calculation.
Dedicated technical support is provided throughout the integration process. Our team assists with endpoint implementation, authentication setup, testing scenarios, and troubleshooting ensuring a smooth path from sandbox to production.
Standardized error responses identify the failure reason clearly. Our dedicated support team is available to assist with production issues and our platform maintains 99.9% uptime, ensuring reliable availability for all API consumers.
API versioning ensures backward compatibility for existing integrations. Updates, new features, and deprecation notices are communicated in advance with detailed migration guidance allowing partners to plan updates without disruption.
The LRS API enables businesses to embed complete international money transfer capabilities into their existing platforms. It covers customer KYC verification, payment collection, remittance processing, compliance automation, and transaction reporting through a unified set of well-documented endpoints.
The LRS API is built for technically equipped businesses including fintech platforms, EdTech companies, payment gateway providers, software providers, and PSPs that want to offer remittance services natively within their existing product without redirecting customers to a third-party interface.
The LRS API supports remittances in 15+ international currencies to 180+ countries. All transfers are processed within 1-2 business days (T+1) and SWIFT copies are generated as settlement confirmation.
Ready to Integrate the
LRS API into Your Platform?
Build compliant international remittance capabilities with Fairexpay's developer-first API infrastructure