Adyen vs Remitly (2026): Which Is Better for Receiving International Payments in India?

Each row applies the platform's published fee, FX markup and GST on the fee to the XE mid-market rate for 4 Nov 2026.

Adyen is a Netherlands-headquartered payment platform for enterprise merchants. Its India page states it has operated in India since 2018 and holds RBI authorisations for domestic online payments and cross-border outward payments, which cover global brands collecting INR from Indian shoppers. It does not publish a product for Indian freelancers or exporters to receive foreign client payments into an Indian bank account.

• Regulated by: States it holds RBI authorisations for domestic (PA-Online) and cross-border outward (PA-CB-Outward) payments; not independently confirmed on an RBI list
• Used by: Indian businesses can use Adyen for domestic online acquiring (PA-Online, as stated by Adyen); use for receiving export payments from foreign clients is not confirmed
• Best for: Large enterprises accepting card and UPI payments from Indian shoppers

Remitly is a US-based money transfer service that lets senders in countries such as the US send money to recipients abroad, including India. Indian residents receive Remitly transfers as INR into their bank account, through UPI or via cash pickup, with the sender initiating and paying for the transfer. Its consumer service is restricted to personal, family or household purposes, so it is not designed for Indian freelancers or exporters invoicing foreign clients.

• Regulated by: Not confirmed. Remitly is not shown as an RBI PA-CB authorised entity on any page reviewed.
• Used by: Not supported for receiving. Remitly Business is for US-based companies sending payments abroad; no page reviewed offers Indian businesses a way to receive or collect payments.
• Best for: Family and personal remittances sent from the US to India

• Adyen: Adyen's docs list INR as the settlement currency for its India acquiring connection, paid out locally to a bank account in India, and say payouts can take up to two days to arrive depending on the currencies and banks involved; no timeline for export receipts is published
• Remitly: Delivered to Indian bank accounts, UPI or cash pickup; Remitly shows a promised delivery time per transfer and refunds its fee if late. Specific timings Not confirmed.

• Choose Adyen if: you need large enterprises accepting card and UPI payments from Indian shoppers.
• Choose Remitly if: you need family and personal remittances sent from the US to India.

For example, an exporter billing $5,000 a month: Neither platform publishes full pricing for Indian users.

Other covered platforms ranked by the INR received on a $5,000 invoice.

Fees, FIRA terms and RBI status were checked on each platform's own pages and RBI sources on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026. The formula is on the methodology page.

1. Adyen India, Established in India since 2018; RBI PA-Online and PA-CB-Outward authorisations (checked 7 Oct 2026)
2. Adyen pricing (India), Indicative fees: $0.13 fixed; Visa/Mastercard Interchange++ + 0.60%; Amex 3.95%; UPI defined by funding source; RuPay on request; minimum invoice depends on industry or business model; the fees outlined above are indicative; no monthly, set-up, integration or closure fees (checked 7 Oct 2026)
3. Adyen pricing (global), Fixed processing fee plus payment-method fee; no setup or monthly fees; minimum invoice depends on industry (checked 6 Oct 2026)
4. India expansion made easy, Accept online payments in INR from Indian shoppers with Adyen's own RBI licences (checked 6 Oct 2026)
5. Adyen Visa payment method (India), Visa: $0.13 + Interchange+ + 0.60%; no monthly fees, set-up fees, integration fees or closure fees; INR not listed among settlement currencies (checked 7 Oct 2026)
6. Adyen currency codes and FX management fee, Adyen applies a foreign currency exchange rate when a currency conversion takes place (FX reference rate) and charges an FX management fee, or spread, which by default differs based on the currency category; category one: AUD, CAD, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, USD, ZAR; category two: all other currencies; how this fee is calculated is included in your contract with Adyen (checked 7 Oct 2026)
7. What kind of tax is applied to my invoice? (Adyen), Adyen India: GST rate 18% if the merchant is in Maharashtra. Or CGST of 9% and SGST of 9% if the merchant is located outside Maharashtra (checked 7 Oct 2026)
8. Adyen Docs: Supported payout currencies, India (IN): settlement currency INR, funds held in India, local payout; certain currencies can only be paid out to a local bank account within a country or region where that currency is the official legal tender: BRL, INR, MYR, MXN, and AED; SWIFT payouts are not supported for these currencies (checked 7 Oct 2026)
9. Adyen Docs: Getting paid, Depending on the currencies and banks involved, it may take up to two days for the payout funds to arrive in your account; like-for-like (no currency conversion) settlement if the currency is also supported as a settlement currency by the payment method (checked 7 Oct 2026)
10. Remitly: Send Money to India from the US (checked 6 Oct 2026)
11. Remitly USD to INR rates and fees, Fee $3.99 below $1,000, $0 at $1,000 or more; promotional rate on first $6,000 (checked 6 Oct 2026)
12. Remitly User Agreement, Consumer use for personal, family or household purposes; FX spread disclosure; US residency and age 18; delivery promise; Remitly may limit transfer amounts per transaction or in aggregate; cash pickup cancelled if not collected within 60 days (checked 6 Oct 2026)
13. Remitly Business, For US-based companies paying freelancers, contractors and vendors abroad (checked 6 Oct 2026)