What Are the Best Ways to Receive International Payments for Freelancers in India in 2026?
- Author:
- Manoj Sharma
- Verified by:
- Editorial team
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- Last modified:
Short answer
Ranked by the INR received on a $10,000 invoice, the best ways to receive international payments for freelancers in India in 2026 are: 1. Skydo, 2. Razorpay, 3. Wise Business, 4. PayPal. Also covered, without full published pricing: Karbon Business (Karbon FX), Payoneer, Winvesta, Dodo Payments.
| Platform | Best for | INR on $10,000 |
|---|---|---|
| Skydo | Indian freelancers and exporters receiving mid to large B2B invoices | ₹9,45,028 |
| Razorpay | Indian businesses and freelancers on Razorpay invoicing foreign clients | ₹9,37,083 |
| Wise Business | Freelancers and small exporters wanting multi-currency local accounts and eFIRC | ₹9,30,486 |
| PayPal | Card and PayPal-wallet payments from overseas PayPal buyers | ₹8,71,809 |
| Karbon Business (Karbon FX) | Exporters and service businesses wanting USD account details and FIRA | ₹9,27,695 to ₹9,37,083 (estimate) |
What are the best ways to receive international payments for freelancers in India?
Ranked by the INR that reaches an Indian bank on a $10,000 invoice, the best ways to receive international payments for freelancers in India are 1. Skydo, 2. Razorpay, 3. Wise Business, 4. PayPal. Also covered, without full published pricing: Karbon Business (Karbon FX), Payoneer, Winvesta, Dodo Payments. The list covers platforms whose own pages state that Indian individuals or freelancers can receive payments.
A low headline fee does not always mean the most money received, because the FX markup on conversion is often the larger cost.
Which ways to receive international payments rank highest for freelancers in India?
- Skydo: ₹9,45,028 on $10,000 (0.34% cost). $19 per payment up to $2,000, $29 from $2,001 to $10,000, 0.3% above $10,000, plus 18% GST on the fee.
- Razorpay: ₹9,37,083 on $10,000 (1.18% cost). 1% per bank transfer (flat INR 1,000 below INR 1,00,000), plus GST; FlashLinks (US) ACH debit 2%; international cards and wallets up to 3% plus taxes.
- Wise Business: ₹9,30,486 on $10,000 (1.88% cost). 1.6% conversion fee plus $2 per payment, plus 18% GST (calculator reading, 6 Oct 2026); lower above about $25,000.
- PayPal: ₹8,71,809 on $10,000 (8.06% cost). 4.40% + USD 0.30 per international commercial payment received (fixed fee varies by currency, e.g. EUR 0.35, GBP 0.20).
- Karbon Business (Karbon FX): Full pricing not published. Homepage calculator shows a 1% Karbon fee plus 18% GST on that fee (1.18% total), labelled indicative; the fee FAQ says transfer fees vary by sending country, currency and payment method.
- Payoneer: Full pricing not published. USD receiving: conflicting first-party figures (free for India per the India account page; 'fixed fee OR 1%' per the India pricing page; 1%, minimum 1 USD per the global pricing page); withdrawal to an INR bank account 3% per the India fee notice.
- Winvesta: Full pricing not published. Per currency, by monthly volume: up to 2,000 a month 0.99% + fixed fee (USD 3, EUR 5, GBP 5, AUD 10, SGD 10); 2,000 to 100,000 a month custom; above 100,000 a month flat 0.2%; 18% GST on fees for non-JPMC accounts per the charges FAQ, applied only to non-USD fees in the product-page calculator.
- Dodo Payments: Full pricing not published. 4% + 40c per card or wallet sale, +1.5% for cards and APMs outside the US, +0.5% for subscriptions, +3% for BNPL or PayPal, all calculated on the total including sales tax; ACH and SEPA direct debit 1.5% (capped $15 or EUR 15); India INR cards and UPI 4% + 15c (+international payment fees); payout fee $5 below $1,000, $25 for USD SWIFT payouts to non-US businesses.
How do the best ways to receive international payments compare?
| Platform | Fee model | FX markup | Best for | INR on $10,000 |
|---|---|---|---|---|
| Skydo | $19 up to $2,000, $29 to $10,000, 0.3% above + GST | States zero FX margin at live rate | Indian freelancers and exporters receiving mid to large B2B invoices | ₹9,45,028 |
| Razorpay | 1% per bank transfer (Rs 1,000 flat below Rs 1,00,000) + GST | States 0% markup on MoneySaver at live rate | Indian businesses and freelancers on Razorpay invoicing foreign clients | ₹9,37,083 |
| Wise Business | Calculator: 1.6% + $2 per payment + 18% GST | Mid-market rate; cost is the 1.6% conversion fee | Freelancers and small exporters wanting multi-currency local accounts and eFIRC | ₹9,30,486 |
| PayPal | 4.40% + USD 0.30 per international payment; fixed fee varies | 3.0% above PayPal's base rate on conversion | Card and PayPal-wallet payments from overseas PayPal buyers | ₹8,71,809 |
| Karbon Business (Karbon FX) | 1% + 18% GST on fee, indicative; varies by country, method | Conflicting: claims 0% markup or lists 0.5%-1.0% | Exporters and service businesses wanting USD account details and FIRA | ₹9,27,695 to ₹9,37,083 (estimate) |
| Payoneer | Conflicting receiving fee: free, fixed or 1%; 3% INR withdrawal | Conflicting: 3% (fee notice) or 1-4% (pricing page) | Freelancers and sellers paid via marketplaces or Payoneer clients | ₹8,99,532 to ₹9,38,790 (estimate) |
| Winvesta | 0.99% + USD 3 to 2,000/month; 0.2% above 100,000; GST conflicting | States 0% markup on USD; non-USD not confirmed | Freelancers and small businesses collecting under 2,000 monthly per currency | ₹9,36,860 to ₹9,46,376 (estimate) |
| Dodo Payments | 4% + 40c + other fees; payout $5 below $1,000, $25 SWIFT | No INR conversion; Indian bank converts USD at its rate | Indian founders selling SaaS and digital products worldwide | Merchant of record: USD payout, your Indian bank sets the INR rate |
INR figures use the XE mid-market rate for 4 Nov 2026 and fees checked on 30 Sept 2026, with 18% GST on fees where charged.
How do fees change with invoice size?
Flat fees cost a larger share of small invoices, while percentage fees grow with the invoice. The table shows each platform at $2,000, $5,000, $10,000.
| Platform and invoice | Fee | FX markup | GST | INR received | Cost | Best for |
|---|---|---|---|---|---|---|
| Skydo, $2,000 | ₹1,802 | ₹0 | ₹324 | ₹1,87,529 | 1.12% | Indian freelancers and exporters receiving mid to large B2B invoices |
| Skydo, $5,000 | ₹2,750 | ₹0 | ₹495 | ₹4,70,892 | 0.68% | Indian freelancers and exporters receiving mid to large B2B invoices |
| Skydo, $10,000 | ₹2,750 | ₹0 | ₹495 | ₹9,45,028 | 0.34% | Indian freelancers and exporters receiving mid to large B2B invoices |
| Razorpay, $2,000 | ₹1,897 | ₹0 | ₹341 | ₹1,87,417 | 1.18% | Indian businesses and freelancers on Razorpay invoicing foreign clients |
| Razorpay, $5,000 | ₹4,741 | ₹0 | ₹853 | ₹4,68,542 | 1.18% | Indian businesses and freelancers on Razorpay invoicing foreign clients |
| Razorpay, $10,000 | ₹9,483 | ₹0 | ₹1,707 | ₹9,37,083 | 1.18% | Indian businesses and freelancers on Razorpay invoicing foreign clients |
| Wise Business, $2,000 | ₹3,163 | ₹0 | ₹569 | ₹1,85,922 | 1.97% | Freelancers and small exporters wanting multi-currency local accounts and eFIRC |
| Wise Business, $5,000 | ₹7,630 | ₹0 | ₹1,373 | ₹4,65,133 | 1.90% | Freelancers and small exporters wanting multi-currency local accounts and eFIRC |
| Wise Business, $10,000 | ₹15,074 | ₹0 | ₹2,713 | ₹9,30,486 | 1.88% | Freelancers and small exporters wanting multi-currency local accounts and eFIRC |
| PayPal, $2,000 | ₹8,373 | ₹5,438 | ₹1,507 | ₹1,74,336 | 8.08% | Card and PayPal-wallet payments from overseas PayPal buyers |
| PayPal, $5,000 | ₹20,890 | ₹13,597 | ₹3,760 | ₹4,35,888 | 8.07% | Card and PayPal-wallet payments from overseas PayPal buyers |
| PayPal, $10,000 | ₹41,752 | ₹27,196 | ₹7,515 | ₹8,71,809 | 8.06% | Card and PayPal-wallet payments from overseas PayPal buyers |
What does each of the best ways to receive international payments offer?
1.Is Skydo a good choice for freelancers in India?
Best for: Indian freelancers and exporters receiving mid to large B2B invoices by bank transfer
Skydo is a Bengaluru-based cross-border collection platform run by Skydo Technologies Private Limited, founded in 2022. It gives Indian exporters and freelancers local account details in the US, UK, Europe, Canada, Australia, Singapore and the UAE, plus an International SWIFT account, so foreign clients can pay by bank transfer. Skydo converts the funds and settles INR to the user's Indian bank account, issuing a FIRA for each payment.
Key features
- Local collection accounts in 7 markets plus an International SWIFT account for 32 currencies
- Flat fee per payment by slab, with zero FX margin on the live rate
- Instant FIRA per payment, sent by email and downloadable from the dashboard
- InstaLinks payment links that let US clients pay by ACH Debit
Pros
- FX: Zero FX margin on conversion to INR, as stated on the homepage and pricing section
- Predictable fees: Flat $19 or $29 per payment up to $10,000, so the effective rate falls as invoice size rises
- Compliance paperwork: FIRA issued instantly and stated to be free; Skydo says its FIRA and FIRC are accepted for GST filing and by banks
- Regulation: Listed by RBI as an authorised Payment Aggregator with PA-CB Inward and Outward authorisation
Cons
- Small payments: Minimum payment of USD 50, and a $19 flat fee is a high share of small invoices
- Card payments: Skydo's published pricing and FAQs list bank transfers and ACH Debit payment links only; no card payment option is listed
- InstaLinks cost: Payment links cost 2% per transaction with a $9 minimum and typically settle within 6 business days
- Chargebacks: For InstaLinks, the user is liable for chargeback amounts and fees, which Skydo may debit from the account
Verdict: pays ₹9,45,028 on a $10,000 invoice; a weaker fit for sellers who need card payments, or who receive many payments under USD 50.
2.Is Razorpay a good choice for freelancers in India?
Best for: Indian businesses and freelancers already using Razorpay who invoice foreign clients
Razorpay is an Indian payment gateway that also offers the MoneySaver Export Account (International Bank Transfer). Indian exporters and freelancers get virtual local bank details in the US, UK, Europe and other regions plus a SWIFT account, share them with foreign clients, and receive INR in their Indian bank account. Settlement needs an invoice and buyer address details for each transaction, except for some marketplace and freelancing platform payouts.
Key features
- Virtual local accounts for USD (ACH), GBP (FPS) and EUR (SEPA), plus a SWIFT account
- INR settlement to an Indian current account, with non-INR settlement to an EEFC account supported
- FIRS / e-FIRC generated within 24 hours of settlement
- Connects to Amazon, Upwork, Deel, Toptal, Freelancer and Fiverr payouts
Pros
- FX: 0% markup on bank transfers, as stated on the pricing page
- Speed: T+1 settlement for local bank transfers once invoice details are shared
- Compliance: FIRS sent within 24 hours of settlement
- Regulation: listed by RBI as an authorised PA-CB for inward and outward transactions
Cons
- Small payments: flat INR 1,000 fee on transactions below INR 1,00,000, which is more than 1% on smaller invoices
- Paperwork: an invoice and buyer address are required for every transaction before settlement (except some marketplace payouts)
- No holding: funds cannot be kept in the foreign currency accounts
- Eligibility: limited to listed export purpose codes and excludes certain merchant categories and NGOs
Verdict: pays ₹9,37,083 on a $10,000 invoice; a weaker fit for freelancers who receive frequent small invoices well under INR 1,00,000, or who want to hold foreign currency.
3.Is Wise Business a good choice for freelancers in India?
Best for: Freelancers and small exporters wanting local account details in several currencies with an eFIRC per payment
Wise is a UK-headquartered money transfer company. In India, receiving money from abroad is offered only through Wise Business, which gives local account details in eight currencies, converts incoming payments to INR at the mid-market rate and pays them to the user's Indian bank account. Freelancers can sign up under the sole trader / freelancer business type.
Key features
- Local receiving details in USD (ACH routing and account number), GBP, EUR (IBAN), AUD, CAD, NZD, SGD and HUF
- Automatic conversion to INR at the mid-market rate and payout to an Indian bank account
- eFIRC emailed for every transfer
- Payment request flow where the user submits sender and invoice information for each payment
Pros
- Transparent calculator: Wise's India pricing page calculator shows the conversion fee, eFIRC fee and GST for a given amount
- Mid-market rate: no exchange rate markup; the cost sits in a stated conversion fee
- Speed: Wise states payouts can arrive in under 90 minutes within business hours
- Freelancer eligibility: sole traders and freelancers are an accepted business type
Cons
- Cost on USD: Wise's calculator showed a 1.6% conversion fee plus a 2 USD eFIRC fee, before 18% GST, on a 1,000 USD ACH receipt on 2026-10-06
- Per-payment paperwork: Wise says a payment request is needed for every payment, with payment information such as sender and invoice
- Business only: personal Wise accounts in India cannot receive money; users must register Wise Business
- Regulatory status: the PA-CB licence is in-principle per Wise's own statement
Verdict: pays ₹9,30,486 on a $10,000 invoice; a weaker fit for Indian individuals who want a personal (non-business) account to receive money.
4.Is PayPal a good choice for freelancers in India?
Best for: Receiving card and PayPal-wallet payments from overseas buyers who already use PayPal
PayPal is a global digital wallet and checkout provider. In India it operates through PayPal Payments Private Limited, which offers Export Payment Services that let India-resident individuals and businesses receive payments from buyers outside India for the export of goods and services. Received funds are converted and credited to the user's linked Indian bank account through an authorised dealer bank.
Key features
- PayPal checkout, invoicing and payment links for overseas buyers
- Buyers can pay with a PayPal account or through PayPal guest checkout
- Weekly Digital FIRA download from the business account
- PayPal Seller Protection for eligible transactions
Pros
- Buyer reach: PayPal states access to up to 400 million active accounts globally
- Free FIRA: Weekly Digital FIRA is free to download since Feb 2026
- Regulatory status: listed by RBI with in-principle PA-CB authorisation
- Card acceptance: the user agreement covers payments made through PayPal guest checkout and card chargebacks, so buyers need not hold a PayPal balance
Cons
- Cost: 4.40% + fixed fee plus a 3.0% conversion markup is high for large invoices
- Transaction cap: export payments above USD 10,000 per transaction are a restricted activity under the India user agreement
- Disputes: dispute fees of USD 8 (standard) or USD 16 (high volume) can apply, and fees are not returned on refunds
- Holds: PayPal may hold funds for up to 180 days in risk or policy cases
Verdict: pays ₹8,71,809 on a $10,000 invoice; a weaker fit for exporters with invoices above USD 10,000 or those wanting low-cost bank transfers from clients.
5.Is Karbon Business (Karbon FX) a good choice for freelancers in India?
Best for: Indian exporters and service businesses that want local USD account details and INR credits with FIRA
Karbon Business is a Bengaluru fintech whose Karbon FX product lets Indian businesses and freelancers collect payments from overseas clients. The Karbon Forex terms name Interropac Private Limited as the operator of the platform at karbonfx.com. They also say inward collections are processed under a third-party partner's connected-user terms. Users get account details for receiving foreign payments, and the funds are converted and paid out in INR to their Indian bank account with an e-FIRA.
Key features
- Virtual USD account details for receiving foreign payments (freelancer page)
- Invoices and payment links created from the Karbon FX dashboard
- e-FIRA by email and in the dashboard for every eligible inward transaction
- GST invoices for Karbon's charges on request
Pros
- Settlement timing: Publishes a 3:00 PM IST forex cut-off, with INR typically credited the same working day before it
- Documentation: States it issues e-FIRA automatically and can map shipping bills for exporters
- Receiving rails: Lists Fedwire, ACH, SWIFT and SEPA credit times in its help centre
- Fee visibility: a calculator on the homepage shows a 1% fee and 18% GST on the fee for an entered USD amount, labelled indicative
Cons
- Pricing: the only public figures are an indicative calculator (1% + 18% GST on the fee) and a FAQ saying fees vary by country, currency and method
- Conflicting claims: Its pages state both 0% markup and a 0.5% to 1% forex markup, and settlement times of 4-8 hours, 24-48 hours and same day
- Regulation: Karbon relies on PA-CB licensed partners; its own RBI authorisation is not confirmed
- Limits: Per-transaction and annual limits are set during onboarding and are not published
Verdict: full pricing not published; a weaker fit for users who want a published, fixed price before signing up.
6.Is Payoneer a good choice for freelancers in India?
Best for: Freelancers and sellers paid by marketplaces or clients who already use Payoneer
Payoneer is a cross-border payments company that gives users foreign receiving account details, card and ACH payment requests, and marketplace payouts. For customers based in India, it states that incoming payments are automatically withdrawn to a linked Indian bank account within 48 hours. Payoneer states that its Indian subsidiary, Payoneer India Pvt Ltd, holds RBI in-principle approval as a cross-border payment aggregator.
Key features
- Foreign receiving account details (USD, EUR, GBP and more)
- Payment requests payable by card, US ACH debit or PayPal (US only)
- Free payments from other Payoneer users
- Automatic withdrawal to an Indian bank account within 48 hours
Pros
- Marketplace reach: widely used for marketplace and platform payouts, with fees set by each marketplace
- Payoneer to Payoneer: receiving from another Payoneer customer's balance is free
- Documentation: FIRA/FIRS/NOCs available in the account at no additional cost
- Local-currency receiving: receiving in the account's local currency is listed as free, and the India account page says USD receiving is free for India customers
Cons
- Conflicting receiving fees: Payoneer's India and global pages give different USD receiving fees (free, 'fixed fee OR 1%', or 1% minimum 1 USD)
- Conversion cost: the India fee notice lists 3% for withdrawals into a bank account in a different currency, built into the rate
- Annual fee: 29.95 USD if less than 6,000 USD is received in 12 consecutive months
- Regulatory stage: in-principle PA-CB approval only, not yet on RBI's final authorisation list
Verdict: full pricing not published; a weaker fit for low-volume users receiving under 6,000 USD a year, who pay the annual fee.
7.Is Winvesta a good choice for freelancers in India?
Best for: Indian freelancers and small businesses collecting under 2,000 a month per currency
Winvesta, run by Winvesta India Technologies Private Limited, offers a Global Collections Account (marketed as a multi-currency account) that gives Indian freelancers and businesses local foreign-currency account details. Clients pay into these accounts, and the user withdraws the funds to an Indian bank account in INR with an e-FIRA. Winvesta also offers card collections through payment links and a US stock investment app.
Key features
- Local account details for USD, EUR, GBP and CAD (the product page also lists AUD), plus SWIFT receipts
- USD receipts via ACH, FedWire, RTP (from US payers) and SWIFT (from outside the US)
- Free e-FIRA within 24 hours of the bank credit
- Card collections via payment links and an invoice generator
Pros
- Published USD pricing: $3 + 0.99% per transaction on the standard plan, listed per currency in the help centre
- FX markup: States '0% forex markup' and 'ZERO FX on USD' on its multi-currency account page
- FIRA: Free e-FIRA emailed within 24 hours and downloadable from the dashboard
- Limits: States no limits on incoming transactions in USD and 30 other currencies
Cons
- Mid-volume pricing: collections between 2,000 and 100,000 a month per currency are on custom pricing that is not published, and tiers depend on monthly volume rather than invoice size
- GST: the charges FAQ adds 18% GST to fees for non-JPMC accounts without defining them; the product-page calculator applies it only to non-USD fees, and blog pages say 'No GST'
- Holding period: Funds can be held in the account for a maximum of 9 months
- No outgoing payments: Payments cannot be made directly from the collections account
Verdict: full pricing not published; a weaker fit for users collecting between 2,000 and 100,000 a month per currency who want published pricing upfront.
8.Is Dodo Payments a good choice for freelancers in India?
Best for: Indian founders selling SaaS, AI tools, templates and other digital products to buyers worldwide
Dodo Payments is a merchant of record platform: it acts as the legal seller of a merchant's digital product, collects payment from the end customer, and handles sales tax, VAT and GST, billing and invoicing; merchants get dispute tools but chargeback liability stays with the merchant. Indian creators and businesses list their product, Dodo sells it to customers abroad, and the net revenue after tax and fees is paid out from a USD, GBP or EUR balance to the merchant's linked bank account. It does not provide local account details for receiving client bank transfers or invoice payments for services.
Key features
- Merchant of record: Dodo is the legal seller and handles customer-side sales tax, VAT and GST filing
- Hosted checkout with cards, wallets, UPI, RuPay, BNPL, ACH and SEPA direct debit
- Subscriptions, add-ons and usage-based billing
- Automatic invoice generation for every transaction
Pros
- Tax handling: Dodo states it calculates, collects and files sales tax, VAT and GST for sales it processes
- Individual sign-up: creators and sole proprietors can register as individuals with PAN-based KYC
- No fixed costs: no monthly fee on the standard plan, per the pricing page
- Payout frequency: bi-monthly by default, weekly on request for higher volumes, with a threshold adjustable down to $50
Cons
- Digital products only: the merchant acceptance policy targets SaaS, AI products, digital goods, templates, plugins and apps, not client services or invoices
- Per-sale fee: 4% + 40c plus 1.5% for international cards is charged on each sale, calculated on the total including sales tax
- No INR payouts: the INR payout wallet was discontinued, so payouts are sent in USD, GBP or EUR and converted by the receiving bank
- Payout fees: $5 on payouts under $1,000 and $25 on USD SWIFT payouts to non-US businesses (whether both apply to a small SWIFT payout is not stated), plus any receiving and intermediary bank charges
Verdict: full pricing not published; a weaker fit for freelancers and agencies paid by bank transfer for client services or invoices.
How did we evaluate these platforms?
- Landed cost: The INR that reaches an Indian bank after the fee, FX markup and GST on the fee, at the XE mid-market rate. This decides the order.
- Compliance fit: Whether the platform issues FIRA or FIRC for each payment, as it states on its own website.
- Reliability: Settlement time to India as the platform states it.
- Transparency: Whether full pricing for Indian users is published. Platforms without it are listed after the ranked ones.
The full method is on the methodology page.
What compliance do freelancers in India need to handle?
- FIRA or FIRC: Proof that export money arrived through banking channels, used for GST refunds and income tax records. See what a FIRA is.
- e-BRC: DGFT's electronic realisation certificate, generated from bank data and used for export benefits. See FIRC vs FIRA vs e-BRC.
- RBI PA-CB: RBI authorises payment aggregators for cross-border payments. Check RBI's published list before relying on a platform's claim.
- Realisation period: Export proceeds must be realised within the period RBI sets. See the export realisation period.
How did we verify this?
Fees, FIRA terms and RBI status were checked on each platform's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026.
- Skydo homepage (pricing and fee calculator), Know what you pay; calculator showing GST 18% of transaction fee (checked 6 Oct 2026)
- Skydo FAQs: Fees & charges, How much does Skydo charge; Who will bear the SWIFT charges; Payment Links fees; Refund or chargeback fees (checked 6 Oct 2026)
- Skydo FAQs: Payment queries, When will I receive money (timeline table); FIRA vs FIRC; Limitations and Restrictions (checked 6 Oct 2026)
- Skydo FAQs: International accounts, Countries for local accounts; currencies via SWIFT account; unsupported countries (checked 6 Oct 2026)
- Skydo FAQs: InstaLinks, Fees, settlement timeline, chargebacks (checked 6 Oct 2026)
- Skydo: Receive International Payments in India, Skydo section: FIRA instant, automatic and free; settlement within 24 hours (checked 6 Oct 2026)
- Skydo for Amazon Global Sellers, Know what you pay (checked 6 Oct 2026)
- Skydo Terms of Use, About Skydo; Export transaction collection payments; KYC Process (checked 6 Oct 2026)
- Skydo About Us (checked 6 Oct 2026)
- Skydo blog: How to Sign Up on Skydo in 5 Minutes, What Do You Need Before You Sign Up on Skydo (checked 6 Oct 2026)
- RBI: Certificates of Authorisation under the PSS Act, 2007 (checked 6 Oct 2026)
- Razorpay MoneySaver Export Account (International Bank Transfers) pricing, Standard Plan: 0% FX markup, 1% fee, FlashLinks 2%, GST applicable, flat fee of INR 1,000 on transactions below INR 1,00,000, setup and AMC INR 0 (checked 6 Oct 2026)
- Razorpay pricing, International cards and wallets up to 3% plus taxes; MoneySaver bank transfers (SWIFT, ACH, SEPA, FPS) 1% with zero forex markup; 'RBI PA-CB licensed'; 18% GST listed for the payment gateway service (checked 6 Oct 2026)
- Razorpay Docs: International Bank Transfer (MoneySaver Export Account), Supported methods and SWIFT currency list, purpose codes, onboarding KYC, invoices not required for Amazon, Upwork and Freelancer transactions, FAQs on T+1 settlement, EEFC settlement, FIRS within 24 hours, no holding of funds, no refunds, 'Free FIRC' in savings example (checked 6 Oct 2026)
- Razorpay Docs: FIRS Automated Process (checked 6 Oct 2026)
- Razorpay Docs: International Payments FAQs, NGOs not supported for international payments (checked 6 Oct 2026)
- Wise India: Fees for receiving money (Business), Conversion fee depends on the currency; eFIRC for every transfer; GST 18% of (conversion fee + eFIRC fee); calculator (checked 6 Oct 2026)
- Wise India: Fees for receiving money (Personal), Receiving money feature is currently available only for business customers (checked 6 Oct 2026)
- Wise India: Receive money from abroad in India, Eight currencies, free account details, mid-market rate, eFIRC, under 90 minutes within business hours, eligible company types, 4.14 USD wire saving, regulatory footer (checked 6 Oct 2026)
- Wise Help: How to verify your Indian business to receive payments, Eligible business types and documents (checked 6 Oct 2026)
- Wise India: Pricing (checked 6 Oct 2026)
- Wise price data behind the India receive calculator (USD to INR, business, India), RECEIVE_BANK_TRANSFER 1,000 USD: variableFee 15.68 (1.6%), flatFee 2.0, vat 3.18 (18%), total 20.86; RECEIVE_SWIFT: total 27.93 incl. 6.11 pay-in fee; 100,000 USD: total 1,770.52 after HAT_VOLUME_DISCOUNT -73.23 (checked 6 Oct 2026)
- Wise calculator price data for an Indian business receiving USD (RECEIVE_BANK_TRANSFER to INR), $5,000: conversion fee 78.48 (1.6% of converted amount), flat fee 2.00, GST 14.49, total 94.97; also read at $500 to $100,000 (checked 6 Oct 2026)
- PayPal India Merchant Fees, Receiving international transactions; Currency Conversions (3.0% converting balance and payments received; 4.00% all other cases); Withdrawals Out of PayPal; Dispute Fees; Other Fees (Last Updated 28 March 2024) (checked 6 Oct 2026)
- PayPal India User Agreement, About our main business (Export Payment Services); Opening an Account; Restricted Activities (USD 10,000); Holds (180 days); Dispute Fee (guest checkout); Taxes and Information Reporting (GST) (last updated 13 January 2025) (checked 6 Oct 2026)
- PayPal India Foreign Inward Remittance Advise (FIRA) (checked 6 Oct 2026)
- PayPal India Know Your Customer (KYC) (checked 6 Oct 2026)
- PayPal India Business (checked 6 Oct 2026)
- RBI: Status of Applications received under Payment and Settlement Systems Act, 2007 (as on 01.10.2026), Table D: Existing PAs-CB which can operate as Payment Aggregator- Cross Border (checked 6 Oct 2026)
- Karbon Business homepage, Embeds forex calculator (iframe src v0-calculator-taupe.vercel.app); 'For higher volume transactions, please reach out to your assigned AM for customized rates'; PACB-licensed players note (checked 7 Oct 2026)
- Karbon For Freelancers, Virtual USD account; FIRA issued by licensed banking partner; 0% markup claim; 24-48 hours (checked 6 Oct 2026)
- Karbon For Exporters, USD, EUR, GBP; FIRA and shipping bill mapping; 0% markup claim; 24-48 hours; dedicated account manager (checked 6 Oct 2026)
- Karbon Business vs Payoneer (Karbon page), Forex Markup 0.5%-1.0%; Transaction fee: 1%, 0% Forex markup (checked 6 Oct 2026)
- Karbon Help Centre: Pricing & Fees, Settlement cut-off 3:00 PM IST; receiving rail timelines; currencies; KYC; limits; GST invoices (checked 6 Oct 2026)
- What are the charges for receiving an inward remittance?, Charges may include currency conversion fees based on live FX rates, transfer fees that vary by the sending country, currency, and payment method, applicable taxes, and intermediary bank charges (checked 7 Oct 2026)
- Do you provide a FIRA for every transaction?, e-FIRA within 1-2 business days (checked 6 Oct 2026)
- Karbon Forex Terms & Conditions, Operator Interropac Private Limited; User duly incorporated in India; clause 3 onboarding fees; clause 6 Fees; clause 7 Foreign Inward Remittance Services (checked 6 Oct 2026)
- Karbon forex calculator (embedded on karboncard.com), Karbon's Fee(1%); GST(18%); Live Forex Rate 1 USD = 85.60 INR; The displayed amount is indicative and subject to change based on the rate booking date (checked 7 Oct 2026)
- Karbon forex calculator script, Fee = 0.01 x INR amount; GST = 0.18 x fee; rate from api.exchangerate-api.com, default 85.6 if the fetch fails (checked 7 Oct 2026)
- Karbon Business vs Stripe (Karbon page), Forex Markup 0.5%-1.0%; feature panel: Transaction fee: 1%, 0% Forex markup (checked 7 Oct 2026)
- Karbon blog: Payoneer vs Wise vs Karbon, Karbon charges a flat 1% inward remittance fee and uses mid-market Xe.com rates with 0% FX markup. GST at 18% applies only to the 1% fee; e-FIRA within 24 hours; hold for up to 60 days (checked 7 Oct 2026)
- Karbon blog: Case study, PayPal vs Karbon, 1% platform fee, GST of 18% only on that fee, effective 1.18% all in; zero FX markup; no setup, monthly, or closure fees; hold USD, EUR, GBP, or CAD for up to 60 days (checked 7 Oct 2026)
- Karbon Business vs PayPal (Karbon page), Forex Markup 0.5%-1.0% (transparent, upfront); feature panel: Transaction fee: 1%, 0% Forex markup (checked 7 Oct 2026)
- Karbon Business vs Razorpay (Karbon page), transparent forex markups as low as 0.5%; Forex Markup 0.5%-1.0%; feature panel: Transaction fee: 1%, 0% Forex markup (checked 7 Oct 2026)
- Payoneer India home (checked 6 Oct 2026)
- Payoneer India pricing, Receiving account in non-local currency: 'Fixed fee OR 1% fee'; credit card 2.90% + $0.49; withdrawn within 48 hours; currency conversion 1-4% (checked 7 Oct 2026)
- Payoneer Digital FIRC / e-FIRA (checked 6 Oct 2026)
- Payoneer press release: in-principle PA-CB authorisation in India (checked 6 Oct 2026)
- Payoneer Pricing (global), Via a receiving account in a currency that is not your local currency: 1% (minimum fee of 1.00 USD or equivalent); last updated 1 January 2026; conversion rates based on wholesale market rates and include the conversion fee; Get a custom package: processing over 50K USD monthly (checked 7 Oct 2026)
- Payoneer: We're updating the fees for some of our services (India selected), Withdrawals in a currency that's different from your bank account currency: 3.00% of the transaction amount; not your local currency: 3% with a minimum fee of 15 USD; effective October 20th, 2025 (checked 7 Oct 2026)
- Payoneer Withdraw to bank FAQ, if there is currency conversion involved, the fee is included in the conversion rate; India-based users can have one active bank account (checked 7 Oct 2026)
- Payoneer India multi-currency account, Receiving payments in USD is free for customers from the following countries: Japan, India...; automatically withdrawn within 24 hours; local receiving accounts in US dollar, British pound, Euro, Australian dollar, Canadian dollar, Singapore dollar, Hong Kong dollar, UAE dirham, Chinese yuan and Japanese yen (checked 7 Oct 2026)
- Payoneer: Onboarding guide for businesses in India, eligible payments are automatically withdrawn within 24 hours of receipt; Receive Digital FIRCs within 72 hours of an eligible Payoneer transaction (page modified 29 July 2026) (checked 7 Oct 2026)
- Winvesta FAQ: What are the charges for the global collections account?, Up to 2,000 a month: 0.99% + a small fixed fee; 2,000-100,000 a month: custom pricing; above 100,000 a month: flat 0.2%; USD Collections: $3 + 0.99%; 18% GST will be levied on Winvesta fees for every non-JPMC account (checked 7 Oct 2026)
- Winvesta Multi-Currency Business Account, Receive international payments at 0% forex markup; ZERO FX on USD; embeds a fee calculator: 'Payment fee @ 0.99% + $3.00'; 'GST (18% of payment fee converted to INR)' (checked 7 Oct 2026)
- Winvesta FAQ: How is Winvesta regulated? (checked 6 Oct 2026)
- Winvesta FAQ: Is Winvesta compliant with India's regulations? (checked 6 Oct 2026)
- Winvesta FAQ: How long does it take for funds to reach my Indian bank account? (checked 6 Oct 2026)
- Winvesta FAQ: When will I receive my e-FIRA certificate? (checked 6 Oct 2026)
- Winvesta FAQ: When will I get my Free FIRA? (checked 6 Oct 2026)
- Winvesta FAQ: How do I receive USD? (checked 6 Oct 2026)
- Winvesta FAQ: What are the transaction limits on my account? (checked 6 Oct 2026)
- Winvesta FAQ: What is the maximum time I can keep funds in my GCA? (checked 6 Oct 2026)
- Winvesta FAQ: Can I get priority processing for my withdrawal? (checked 6 Oct 2026)
- Winvesta FAQ: How is GST applied? (checked 6 Oct 2026)
- Winvesta FAQ: What documents do I need for KYC? (checked 6 Oct 2026)
- Winvesta FAQ: Documents to open a global collection account as a freelancer (checked 6 Oct 2026)
- Winvesta FAQ: Documents to open a global collections account as a business owner (checked 6 Oct 2026)
- Winvesta FAQ: Is there any minimum account balance that I need to maintain? (checked 6 Oct 2026)
- Winvesta FAQ: What currencies are available with local accounts? (checked 6 Oct 2026)
- Winvesta blog: PayPal vs Winvesta (12 January 2026), Withdrawal fees stand at $3 plus 0.99% of the amount; zero FX markup on USD conversions; No extra GST charges apply to your transactions; no fees for signing up, maintaining your account, or receiving wire transfers; page banner 'No FX markups. No GST. Funds in 1 day.' (checked 7 Oct 2026)
- Winvesta FAQ: How can I view the FX rate for the conversion of my funds?, Once your withdrawal is complete, you can see the FX rate used and the exact time it was applied (checked 7 Oct 2026)
- Winvesta multi-currency account fee calculator script, fixed fees USD 3, EUR 5, GBP 5, AED 30, AUD 10, CAD 7, CHF 10, CZK 140, DKK 45, HKD 50, NOK 65, PLN 25, SEK 70, SGD 10; fee = amount x 0.99% + fixed fee; GST = 0.18 x fee when currency is not USD, otherwise 0 (checked 7 Oct 2026)
- Dodo Payments Pricing, Domestic (USA) cards and wallets 4% + 40c; International +1.5%; BNPL +3%; PayPal +3%; Domestic (India - INR) 4% + 15c +international payment fees; ACH 1.5% capped at $15, SEPA 1.5% capped at EUR 15, replaces the card fee; bank push transfers priced as standard transactions; Payouts free, fee of $5 if payout <$1000, standard FX applicable on non-USD settlements; USD SWIFT payouts $25; Adaptive Currency 2-4% FX fee charged to customer (checked 7 Oct 2026)
- Dodo Payments Docs: Payouts Process, Bi-monthly payout dates 18th and 4th, weekly 11th/18th/25th/4th, monthly 11th; your bank converts the transfer on arrival at its own exchange rate; USD default threshold $100, lowest $50; INR native wallet discontinued; International SWIFT wire: USD SWIFT payout fee, deducted from the payout; Local bank transfer: none; payout fee is $5 for payouts below $1,000 (checked 7 Oct 2026)
- Dodo Payments Docs: Balances, Three native wallets: USD, GBP, EUR (checked 7 Oct 2026)
- Dodo Payments Docs: FAQ, Q31 GST for Indian merchants; Q35 PAN or GST; Q84 USD, GBP and EUR payout currencies, INR no longer a native payout wallet; Q99 bank and intermediary charges; Q100 payouts usually take 1-2 business days (checked 7 Oct 2026)
- Dodo Payments Docs: Account Verification (checked 6 Oct 2026)
- Dodo Payments Docs: Merchant of Record Introduction, Transaction fees are calculated on the total amount including tax, using standard pricing (example: 4% of $230, 1.5% international, $0.40 fixed) (checked 7 Oct 2026)
- Dodo Payments Docs: Merchant Acceptance Policy (checked 6 Oct 2026)
- Dodo Payments Docs: Accepted Countries and Territories (checked 6 Oct 2026)
- Dodo Payments Terms of Use, Preamble naming group companies (checked 6 Oct 2026)
Frequently asked questions
What is the best option for freelancers in india right now?
On a $10,000 invoice, Skydo pays the most among the ways to receive international payments compared, about ₹9,45,028 at today's reference rate. The right choice depends on invoice size and how your clients pay. Check the platform's own pricing page before relying on these figures.
How are these ways to receive international payments ranked?
Each platform's published fee, FX markup and GST on the fee are applied to the XE mid-market rate, and platforms are ordered by the INR that reaches an Indian bank on a $10,000 invoice. No platform is placed by hand.
Which of these ways to receive international payments give a FIRA for every payment?
FIRA terms differ by platform. Each platform's profile on this page shows what it states about FIRA or FIRC. A FIRA is used as proof of export for GST refunds and income tax records, so confirm it is issued for every payment.
Do I need an RBI-authorised platform to receive export payments?
Export proceeds must come in through banking channels, and RBI authorises payment aggregators for cross-border payments. Each platform's RBI status is listed as the platform or RBI states it. Check RBI's published list before relying on any platform's own claim.
Is a bank wire cheaper than these ways to receive international payments?
A bank wire often carries an intermediary charge, a receiving bank fee and a wider conversion margin than the mid-market rate. Compare the INR your bank actually credits on a past payment with the INR table on this page to see the difference for your invoices.
Can I use more than one platform at the same time?
Yes. Many exporters use one platform for large invoices and another for small or card payments. Each platform issues its own FIRA or FIRC records, so keep them together for GST and income tax filing and reconcile them with your invoices.
How often is this ranking updated?
The ranking recalculates whenever the reference rate changes, and platform fees are re-checked when a pricing change is found or reported. The page shows the date fees were checked, currently 30 Sept 2026, and the date of the reference rate used.