I do not have an Indian rupees account. If I want to buy anything from india it is a hassle. If I send money through xoom it says I cannot send it to business accounts. If I send it through xe it says we cannot send to religious institutions ( if I want to order poojas in temples )or if I want to buy clothes it says they won’t accept payments though third party providers. What is the solution. I’m sick of trying every way there to just accomplish a simple task. We can ask relatives in India but I hate them knowing everything I’m buying and hate asking them for every transaction. How to solve this issue. ? Of course we can open a rupee account in India but things have changed in India. Now they require pan card and I don’t have one yet. We barely have gone to India in past 10 years and in that time we have time just to spend with relatives.