PingPong vs Karbon Business (Karbon FX) (2026): Which Is Better for Receiving International Payments in India?
- Author:
- Manoj Sharma
- Verified by:
- Editorial team
- Published:
- Last modified:
Short answer
The better choice depends on how your clients pay and which documents you need. Neither platform publishes full pricing for Indian users. PingPong is best for Indian marketplace sellers (Amazon and similar) collecting in multiple currencies. The table compares both by use case using published information.
| Use case | Better option | Why |
|---|---|---|
| Invoices around $2,000 | Not comparable | Neither platform publishes full pricing for Indian users. |
| Invoices around $5,000 | Not comparable | Neither platform publishes full pricing for Indian users. |
| Invoices around $10,000 | Not comparable | Neither platform publishes full pricing for Indian users. |
| Need: Indian marketplace sellers (Amazon and similar) collecting in multiple currencies | PingPong | PingPong is built for this. |
| Need: Indian exporters and service businesses that want local USD account details and INR credits with FIRA | Karbon Business (Karbon FX) | Karbon Business (Karbon FX) is built for this. |
How do PingPong and Karbon Business (Karbon FX) compare at a glance?
| Attribute | PingPong | Karbon Business (Karbon FX) |
|---|---|---|
| Best for | Indian marketplace sellers collecting in multiple currencies | Exporters and service businesses wanting USD account details and FIRA |
| Fees | Free receiving; 1% withdrawal, may vary by region | 1% + 18% GST on fee, indicative; varies by country, method |
| FX markup | Not confirmed; Amazon page states all-inclusive up to 1% | Conflicting: claims 0% markup or lists 0.5%-1.0% |
| Settlement | Conflicting: T+0 before 2:30 pm cut-off, or 1-2 days | Conflicting: same day before 3 PM IST, 4-8h or 24-48h |
| FIRA | Free digital FIRC per transaction, 3-5 business days | States e-FIRA per transaction, 1-2 business days; cost unstated |
| Currencies | Receives USD, EUR, GBP, AUD, CAD, JPY and more; INR or EEFC | States all major currencies except RBI-restricted, including USD, EUR, GBP |
| RBI status | States OPGSP via RBI-approved liaison office; PA-CB not confirmed | Not confirmed; states it works only with PACB-licensed players |
| Indian individuals | Not confirmed without business registration | Freelancers per site; unregistered individuals not confirmed |
| Indian businesses | Yes, sellers, exporters and service businesses | Yes, proprietors, partnerships, LLPs and companies |
| Limits | PingPong's Terms and Conditions (India section) allow receipts for exports of goods or services of value not exceeding the equivalent of INR 25,00,000 (about USD 30,000) per transaction. Receiving accounts also have a virtual account limit that can be raised by applying in the dashboard; specific amounts Not confirmed. | Per-transaction and annual limits are set at account setup based on KYC, bank partner policy and RBI rules, and can be raised on request. No figures are published |
How much INR do you receive on $2,000, $5,000 and $10,000 with PingPong vs Karbon Business (Karbon FX)?
Each row applies the platform's published fee, FX markup and GST on the fee to the XE mid-market rate for 3 Nov 2026.
| Platform and invoice | Fee | FX markup | GST | INR received | Cost | Best for |
|---|---|---|---|---|---|---|
| PingPong, $2,000 | – | – | – | Not published | – | Indian marketplace sellers collecting in multiple currencies |
| PingPong, $5,000 | – | – | – | Not published | – | Indian marketplace sellers collecting in multiple currencies |
| PingPong, $10,000 | – | – | – | Not published | – | Indian marketplace sellers collecting in multiple currencies |
| Karbon Business (Karbon FX), $2,000 | – | – | – | Not published | – | Exporters and service businesses wanting USD account details and FIRA |
| Karbon Business (Karbon FX), $5,000 | – | – | – | Not published | – | Exporters and service businesses wanting USD account details and FIRA |
| Karbon Business (Karbon FX), $10,000 | – | – | – | Not published | – | Exporters and service businesses wanting USD account details and FIRA |
What is PingPong and who is it for?
PingPong is a cross-border payments company founded in New York in 2015 and headquartered in Hangzhou, China, which has operated in India since July 2019 from a Bengaluru office. Indian e-commerce sellers, exporters and freelancers open virtual receiving accounts in foreign currencies, link them to marketplaces or share them with clients, and withdraw to an Indian bank account in INR or, through an EEFC account, in foreign currency.
- Regulated by: States its India Liaison Office is RBI-approved (UIN BGLO19008226) and that it acts as an OPGSP; RBI PA-CB authorisation Not confirmed
- Used by: Yes. India pages target e-commerce sellers, exporters and service businesses; KYC includes business information.
- Best for: Indian marketplace sellers (Amazon and similar) collecting in multiple currencies
What is Karbon Business (Karbon FX) and who is it for?
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.
- Regulated by: Not confirmed. States it works 'only with PACB-licensed players and regulated banks'. No RBI listing for Karbon or its operating company was checked or found
- Used by: Yes. Sole proprietors, partnerships, LLPs and companies, with documents based on business type
- Best for: Indian exporters and service businesses that want local USD account details and INR credits with FIRA
How do PingPong and Karbon Business (Karbon FX) fees and FX markup compare?
What does PingPong charge?
| Fee type | Amount | When it applies | Best for |
|---|---|---|---|
| Receiving: Local virtual receiving accounts (e.g. USD routing and account number) linked to marketplaces | Free to receive per help centre; 1% on withdrawal | Help centre lists Amazon, AliExpress, eBay, TikTok, Shopee and others, developer platforms such as Google and App Store, and platforms paying via PayPal or Stripe | Indian marketplace sellers collecting in multiple currencies |
| Receiving: Direct bank or wire transfer from overseas buyers | Free to receive per help centre; 1% on withdrawal | Requires invoice or contract for inbound approval; some accounts reject funds from individual payers | Indian marketplace sellers collecting in multiple currencies |
| Receiving: Payment request or invoice | Not confirmed | India pages say bank transfers and US debit card payments are accepted | Indian marketplace sellers collecting in multiple currencies |
| Currency conversion to INR | Not confirmed: the terms say conversion is at the rate PingPong determines at transaction time; the Amazon seller page describes pricing as 'all-inclusive up to 1%'; no separate FX markup is published | When foreign currency is converted | Indian marketplace sellers collecting in multiple currencies |
| Payout to an Indian bank | Funds are withdrawn automatically to a linked Indian bank account in INR (T+0 before the 2:30 pm cut-off, else T+1) or to an EEFC account in foreign currency (1-3 days); the help centre states a 1% withdrawal fee that may vary by region. | When INR is sent to your account | Indian marketplace sellers collecting in multiple currencies |
| Account opening | Free | – | Indian marketplace sellers collecting in multiple currencies |
| Receiving account | 'Most accounts are free to use' | – | Indian marketplace sellers collecting in multiple currencies |
| Withdrawal to own bank account or supplier payment | 1% per transaction (may vary by region) | – | Indian marketplace sellers collecting in multiple currencies |
| Digital FIRC | Free | – | Indian marketplace sellers collecting in multiple currencies |
| VAT and global tax payments | No additional fee, per India pages | – | Indian marketplace sellers collecting in multiple currencies |
| Transfers within the PingPong network | No charge, per the India B2B page (listed under supplier payments for businesses with US/UK/EU entities) | – | Indian marketplace sellers collecting in multiple currencies |
| GST on fees | Not confirmed: PingPong's India pages and terms do not state whether GST is charged on its fees. The India home page's 'Pay VAT/GST and other taxes with no additional costs' refers to paying taxes from the balance, not to GST on PingPong's fees. | Applies to the platform's fee | Indian marketplace sellers collecting in multiple currencies |
What does Karbon Business (Karbon FX) charge?
| Fee type | Amount | When it applies | Best for |
|---|---|---|---|
| Receiving: US account details (Fedwire) | Not confirmed (homepage calculator shows 1% + 18% GST on the fee, indicative; FAQ says fees vary by sending country, currency and method) | Typically credited within 0 to 1 business days | Exporters and service businesses wanting USD account details and FIRA |
| Receiving: US account details (ACH) | Not confirmed (homepage calculator shows 1% + 18% GST on the fee, indicative; FAQ says fees vary by sending country, currency and method) | Usually credited within 2 to 3 business days | Exporters and service businesses wanting USD account details and FIRA |
| Receiving: SWIFT international wire | Not confirmed (homepage calculator shows 1% + 18% GST on the fee, indicative; FAQ says fees vary by sending country, currency and method) | Generally 1 to 3 business days; intermediary bank charges may be deducted | Exporters and service businesses wanting USD account details and FIRA |
| Receiving: SEPA (EUR) | Not confirmed (homepage calculator shows 1% + 18% GST on the fee, indicative; FAQ says fees vary by sending country, currency and method) | Typically credited within 0 to 1 business days | Exporters and service businesses wanting USD account details and FIRA |
| Receiving: Payment link or invoice | Not confirmed | Created from the Karbon FX dashboard | Exporters and service businesses wanting USD account details and FIRA |
| Currency conversion to INR | Conflicting: freelancer and exporter pages and two Karbon blog posts claim 0% markup at mid-market rates; the Stripe, Payoneer, PayPal and Razorpay comparison pages list a 0.5%-1.0% forex markup; the calculator uses a third-party live rate with an 85.60 INR fallback | When foreign currency is converted | Exporters and service businesses wanting USD account details and FIRA |
| Payout to an Indian bank | Funds are converted and sent in INR to the user's registered Indian bank account, the same working day if requested before 3:00 PM IST. Karbon's homepage calculator shows an indicative 1% fee plus 18% GST on that fee; its FAQ says fees vary by sending country, currency and payment method, and intermediary bank charges may also be deducted | When INR is sent to your account | Exporters and service businesses wanting USD account details and FIRA |
| Intermediary bank charges | May be deducted by correspondent banks; outside Karbon's control | – | Exporters and service businesses wanting USD account details and FIRA |
| GST | 18% on Karbon's fee, per the homepage calculator | – | Exporters and service businesses wanting USD account details and FIRA |
| Account opening or annual fee | Conflicting. Karbon's PayPal vs Karbon case study says there are no setup, monthly or closure fees; the Karbon Forex terms mention fees collected during onboarding and refer to fees set on the platform or in a customer agreement, without amounts | – | Exporters and service businesses wanting USD account details and FIRA |
| GST on fees | The homepage calculator applies GST at 18% on Karbon's 1% fee, not on the full payment. The help centre says taxes apply as per government rules and that GST-compliant invoices for Karbon's charges are available on request. Karbon's blog posts also state that GST at 18% applies only to Karbon's 1% fee, not to the invoice amount (PayPal vs Karbon case study). | Applies to the platform's fee | Exporters and service businesses wanting USD account details and FIRA |
How do PingPong and Karbon Business (Karbon FX) compare on settlement speed?
- PingPong: Help centre: INR withdrawals succeed the same day (T+0) if submitted before the 2:30 pm cut-off, otherwise the next day (T+1); non-INR withdrawals within 1-3 days. The freelancer page separately says INR withdrawals take 1-2 working days
- Karbon Business (Karbon FX): Help centre: typically the same working day by end of day if the INR transfer is submitted before the 3:00 PM IST forex cut-off, otherwise by end of day on the next working day. The homepage says 4-8 hours and the freelancer and exporter pages say 24-48 hours
| Platform | Settlement to India | Payout route | Best for |
|---|---|---|---|
| PingPong | Conflicting: T+0 before 2:30 pm cut-off, or 1-2 days | Auto INR, T+0 before 2:30 pm else T+1; 1% fee, may vary | Indian marketplace sellers collecting in multiple currencies |
| Karbon Business (Karbon FX) | Conflicting: same day before 3 PM IST, 4-8h or 24-48h | INR to Indian bank, same day if before 3:00 PM IST | Exporters and service businesses wanting USD account details and FIRA |
Do PingPong and Karbon Business (Karbon FX) provide FIRA and e-BRC, and are they RBI PA-CB authorised?
| Platform | FIRA and e-BRC | RBI status | Checked | Best for |
|---|---|---|---|---|
| PingPong | Free digital FIRC per transaction, 3-5 business days | States OPGSP via RBI-approved liaison office; PA-CB not confirmed | 30 Sept 2026 | Indian marketplace sellers collecting in multiple currencies |
| Karbon Business (Karbon FX) | States e-FIRA per transaction, 1-2 business days; cost unstated | Not confirmed; states it works only with PACB-licensed players | 30 Sept 2026 | Exporters and service businesses wanting USD account details and FIRA |
Which currencies, countries and payment methods do PingPong and Karbon Business (Karbon FX) support?
| Platform | Currencies | Payment methods | Indian individuals | Indian businesses | Best for |
|---|---|---|---|---|---|
| PingPong | Receives USD, EUR, GBP, AUD, CAD, JPY and more; INR or EEFC | Local virtual receiving accounts (e.g. USD routing and account number) linked to marketplaces; Direct bank or wire transfer from overseas buyers; Payment request or invoice | Not confirmed without business registration | Yes, sellers, exporters and service businesses | Indian marketplace sellers collecting in multiple currencies |
| Karbon Business (Karbon FX) | States all major currencies except RBI-restricted, including USD, EUR, GBP | US account details (Fedwire); US account details (ACH); SWIFT international wire; SEPA (EUR); Payment link or invoice | Freelancers per site; unregistered individuals not confirmed | Yes, proprietors, partnerships, LLPs and companies | Exporters and service businesses wanting USD account details and FIRA |
What are the strengths and limitations of PingPong and Karbon Business (Karbon FX)?
PingPong
- Marketplace focus: India pages list Amazon US, UK, EU, Japan, Canada and Australia, plus other marketplaces and PayPal or Stripe payouts
- Fast INR payout: help centre says same day for INR withdrawals submitted before 2:30 pm (the freelancer page says 1-2 working days)
- Free FIRC: digital FIRC per transaction at no charge
- Free receiving: help centre says opening an account and receiving payments is free
- Pricing opacity: the 1% figure 'may vary from region to region' and no FX markup or GST treatment is published
- Regulatory status in India: platform describes itself as an OPGSP with an RBI-approved liaison office; PA-CB authorisation not confirmed on an RBI page
- Inbound checks: wire transfers need order information (invoice or contract) for approval, and rejected payments take around 15-20 working days to return
- Personal payers: some receiving accounts do not accept funds from individual accounts
Karbon Business (Karbon FX)
- 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
- 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
Should you choose PingPong or Karbon Business (Karbon FX)?
- Choose PingPong if: you need Indian marketplace sellers (Amazon and similar) collecting in multiple currencies.
- Choose Karbon Business (Karbon FX) if: you need Indian exporters and service businesses that want local USD account details and INR credits with FIRA.
For example, an exporter billing $5,000 a month: Neither platform publishes full pricing for Indian users.
Which other platforms should you consider besides PingPong and Karbon Business (Karbon FX)?
Other covered platforms ranked by the INR received on a $5,000 invoice.
| Platform | Fees | FX markup | FIRA | INR on $5,000 | Best for |
|---|---|---|---|---|---|
| Skydo | $19 up to $2,000, $29 to $10,000, 0.3% above + GST | States zero FX margin at live rate | States instant, free FIRA per payment | ₹4,71,037 | Indian freelancers and exporters receiving mid to large B2B invoices |
| Razorpay | 1% per bank transfer (Rs 1,000 flat below Rs 1,00,000) + GST | States 0% markup on MoneySaver at live rate | FIRS within 24 hours of settlement; no charge listed | ₹4,68,686 | Indian businesses and freelancers on Razorpay invoicing foreign clients |
| Kotak Mahindra Bank | No inward, FIRC, SWIFT fee on current accounts; GST on conversion | Card rate, markup not published; 1.71% below mid-market on 7 Oct 2026 | Nil FIRC on current accounts; savings Rs 100 or nil | ₹4,65,665 | Service exporters wanting a current account without inward remittance fees |
| HDFC Bank | No inward charge; physical FIRC INR 200 + taxes; GST on conversion | Card rate ~1.79% below mid-market on 6 Oct 2026; markup unpublished | Physical FIRC INR 200; emailed advice free for trade | ₹4,65,286 | Existing HDFC customers wanting free SWIFT receipts or EEFC accounts |
How did we verify this?
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 3 Nov 2026. The formula is on the methodology page.
- PingPong India home, Digital FIRCs in your PingPong dashboard. Free of cost; All fee charges are shown on the account dashboard (checked 7 Oct 2026)
- PingPong India: For Amazon Sellers, All-inclusive transaction fee up to 1%; FIRC for each transaction (checked 6 Oct 2026)
- PingPong India: Freelancers and service providers (checked 6 Oct 2026)
- PingPong India: E-commerce sellers (checked 6 Oct 2026)
- PingPong India: B2B payments, OPGSP with partner Citibank; no charge for transfers within network (checked 6 Oct 2026)
- PingPong India: Value added services (checked 6 Oct 2026)
- PingPong India: Licensing and regulation, RBI-approved liaison office BGLO19008226; OPGSP (checked 6 Oct 2026)
- PingPong India: About us (checked 6 Oct 2026)
- Help centre: What is the charging standard?, Creating a PingPong account and receiving payment is free of charge. Withdraw balance ... will be charged 1% per transaction. However, fee standard may vary from region to region (checked 7 Oct 2026)
- Help centre: What does KYC mean? (checked 6 Oct 2026)
- Help centre: What does sole proprietorship mean? (checked 6 Oct 2026)
- Help centre: How long does the verification process take? (checked 6 Oct 2026)
- Help centre: How does your virtual account charge? (checked 6 Oct 2026)
- Help centre: Which currencies are supported? (checked 6 Oct 2026)
- Help centre: Which platforms can I receive payments from? (checked 6 Oct 2026)
- Help centre: Can I receive funds through wire transfer? (checked 6 Oct 2026)
- Help centre: Transfer conditions (checked 6 Oct 2026)
- Help centre: Increase virtual account limit (checked 6 Oct 2026)
- Help centre: How can I withdraw funds?, INR T+0 before 2:30 pm cut-off; non-INR 1-3 days (checked 6 Oct 2026)
- Help centre: How can I get a FIRC?, 3-5 business days (checked 6 Oct 2026)
- PingPong Terms and Conditions (incl. Exhibit A, Customer Location in India), value not exceeding the equivalent of ₹25,00,000 (approximately US$30,000) per transaction; conversion at the foreign exchange rate at the applicable transaction time as determined by PingPong; Export Collection Account with an AD Bank in India (checked 7 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)
FAQs about PingPong vs Karbon Business (Karbon FX)
Is PingPong or Karbon Business (Karbon FX) cheaper for receiving USD in India?
Neither platform publishes full pricing for Indian users. At $2,000: Neither platform publishes full pricing for Indian users. At $10,000: Neither platform publishes full pricing for Indian users. Figures use each platform's published pricing and today's reference rate, so check both pricing pages before you decide.
Which is faster, PingPong or Karbon Business (Karbon FX)?
PingPong states: Help centre: INR withdrawals succeed the same day (T+0) if submitted before the 2:30 pm cut-off, otherwise the next day (T+1); non-INR withdrawals within 1-3 days. The freelancer page separately says INR withdrawals take 1-2 working days. The homepage says 4-8 hours and the freelancer and exporter pages say 24-48 hours.
Do PingPong and Karbon Business (Karbon FX) both provide a FIRA?
PingPong: Free digital FIRC per transaction, applied for from the dashboard; the help centre says applications complete in 3-5 business days. Karbon Business (Karbon FX): States an e-FIRA is issued for every eligible inward transaction, by email and on the dashboard, typically 1 to 2 business days after funds are credited. Cost not stated.
Are PingPong and Karbon Business (Karbon FX) authorised by RBI?
PingPong: States its India Liaison Office is RBI-approved (UIN BGLO19008226) and that it acts as an OPGSP; RBI PA-CB authorisation Not confirmed. Karbon Business (Karbon FX): Not confirmed. States it works 'only with PACB-licensed players and regulated banks'. No RBI listing for Karbon or its operating company was checked or found.
Can Indian freelancers use both PingPong and Karbon Business (Karbon FX)?
PingPong, individuals: Not confirmed. India pages market to freelancers and service providers, and the help centre lists sole proprietorship as a business type requiring business documents; whether an individual without a business registration can sign up is not stated. Check the platform's own pricing page before relying on these figures.
Should I switch from PingPong to Karbon Business (Karbon FX)?
Switch only if Karbon Business (Karbon FX) pays more on your usual invoice size or fits how your clients pay. Keep the PingPong account open until every invoice sent with its details is paid, and download your FIRA or FIRC records first.