Last month, our team decided to expand sales into the Indian market by launching a subscription service for our digital software. Initially, everything was going well, but then we encountered a catastrophically high rate of abandoned payments due to an overly complicated payment process. Indian users simply abandon their carts when they encounter extra redirects and delays in confirmations. We started looking for a solution and came across A-Pay’s a 2D payment option for online merchants, which processes payments in INR and offers a variety of local payment methods, such as UPI, PhonePe, and Paytm. We’d like to know how safe it is to switch to a payment gateway like this one without 3DS for international cards since the risk of chargebacks would fall entirely on us, even though conversion rates would definitely increase. For those who have already worked with this approach, does the absence of funds being held back truly offset the potential risks?