Global payments
Posted on Jan 23, 2026
Subscribe to our newsletter
Get the latest updates, insights, and tips delivered straight to your inbox.
Talk to our expert!
For Indian freelancers, businesses, exporters, and startup founders, receiving international payments has become a critical part of their business. With a growing economy, Indian professionals are engaging more with global clients. This draws the requirement of a better payment system that helps them in receiving international payments without any hassle. While traditional methods like bank transfer and payment gateways exist in our country, they come with a set of drawbacks. High transaction fees, delayed settlement time, and complex compliance processes make these methods unattractive for modern Indian professionals.
To address these challenges, modern fintech platforms like Infinity and Skydo are built. Both Infinity and Skydo are working in the direction to solve these challenges related to global payments and make them hassle-free.
This blog will help you gain in-depth information about what Infinity is, what Skydo is, and how they differ from each other. This blog will also help you in evaluating Infinity vs Skydo: which is better for your business?
Why does choosing the right payment platform matter in India?
For Indian businesses, receiving money from abroad is not just about getting paid. It also involves adhering to FEMA regulations, maintaining proper documentation for GST filings, ensuring timely cash flow, and minimizing costs that quietly erode revenue over time.
Traditional methods like bank wire transfers or global payment gateways often fail to meet these needs. As a result, specialised platforms like Infinity and Skydo have positioned themselves as India-first solutions for cross-border payments.
What is Infinity?
Infinity is a modern fintech payment platform built for Indian professionals for receiving international payments. Rather than adapting a global product for India, Infinity focuses on building a product that aligns with Indian regulations, banking and financial system, and compliance requirements.
Infinity is commonly used by Indian freelancers, exporters, startup founders, and agency owners, who on a frequent basis receive international payments or work with global clients. The primary aim of Infinity is to make international payments for India as simple as UPI.
What are the key features of Infinity?
Infinity emphasizes transparency, simplicity, predictability, and compliance. Key features include:
A core differentiator is 0% FX markup, allowing businesses to receive funds at real exchange rates without hidden margins.
Infinity charges a flat 0.5% transaction fee, inclusive of all applicable taxes. This flat pricing model is designed to remove any confusion related to charges and make cost predictability easier, regardless of invoice size. Infinity’s built-in currency converter can help you calculate the amount you will receive with Infinity.
Infinity offers one-day settlement, ensuring funds are credited to your Indian bank account within 24 hours, which supports improved cash flow.
Infinity also provides businesses with free and automatic FIRA. After every successful transaction, Infinity provides freelancers and businesses with FIRA. This is an important document for Indian businesses as it helps them adhere to Indian compliance and regulations like GST filing and auditing.
Infinity’s Quicklinks feature enables businesses to receive international payments by sharing a payment link, offering clients options such as credit or debit cards and bank transfers.
Compliance and regulatory readiness of Infinity
Compliance is a major concern for Indian businesses receiving international payments. Infinity is built with FEMA-adhering payment flows and provides document compliance. Compliance is a key concern for Indian businesses. Infinity uses FEMA-compliant payment flows and provides documentation such as FIRA that aligns with Indian banking and tax standards.
What is Skydo?
Skydo is another Indian focused payment platform that helps businesses receive international payments. Skydo primarily caters to freelancers, exporters, and business owners who deal with global clients and marketplaces.
Skydo positions itself as a transparent and compliant-friendly alternative to traditional payment methods available in India.
What are the key features of Skydo?
The following are a few features that distinguish Skydo from other alternatives in the Indian market:
Skydo offers a slab-based pricing model. For payments up to $2000, Skydo charges a fee of $19 exclusive of GST. Similarly, for payments between $2001-$10,000, Skydo charges a fee of $29, and amounts above $10,000, a fee of 0.3% is charged (all exclusive of GST). This structure might be cost-effective for some invoice sizes, and sometimes it can be a costlier option too. A careful cost evaluation is needed before making the decision.
Skydo charges 0% FX markup for all the payments. Skydo does not charge any FX markup and converts your payment at the live exchange rate.
Skydo provides automated and free FIRA. After the successful completion of any transaction, Skydo sends its users an automated FIRA, which helps them stay compliant.
Skydo also supports payment through card through Instalinks. Clients can pay through debit and credit cards by using Skydo’s Instalink. Although the pricing varies for using Skydo’s payment links.
Additionally, Skydo is Amazon Global Selling PSP-approved, which enables direct withdrawals from Amazon stores worldwide.
Infinity vs Skydo: Feature-by-Feature Comparison
Account Setup and Onboarding
Both Infinity and Skydo offer digital onboarding processes tailored for Indian businesses. Documentation requirements generally include business details, bank information, and KYC verification.
Infinity’s onboarding is designed for quick activation with dedicated assistance, while Skydo also focuses on streamlined setup with guided support. The overall experience on both platforms aims to minimise delays in going live.
Fees and Pricing Transparency
Pricing is one of the most critical factors when choosing an international payment platform.
Infinity uses a flat 0.5% transaction fee, inclusive of taxes, regardless of transaction size. This makes costs predictable and easy to calculate, particularly for businesses with varying invoice amounts.
Skydo’s slab-based pricing can be beneficial for certain ranges, especially mid-sized transactions, but may require businesses to evaluate costs carefully as volumes change. Since GST is applied separately, the final cost may vary depending on transaction size and frequency.
FX Rates and Currency Conversion
Both platforms advertise zero FX markup, which is a significant advantage over traditional banks and global gateways.
Infinity focuses on real exchange rates without additional margins, ensuring businesses retain more of their earnings over time. Skydo also offers live FX rates aligned with market prices, providing similar transparency.
FIRA and Compliance Support
Both Infinity and Skydo provide automatic FIRA, removing the need for manual coordination with banks. This is especially important for GST filings, audits, and regulatory reporting.
Dashboard, Reporting, and User Experience
Infinity and Skydo both offer a clean dashboard focused on transaction visibility, settlement tracking, and compliance documentation. Reports can be easily shared with accountants and auditors.
Infinity vs Skydo: Comparison Table
Features | Infinity | Skydo |
FX Markup | 0% | 0% |
Pricing | Flat 0.5% (inclusive of all) | Slab based pricing+ GST |
FIRA | Free and Automatic | Free and Automatic |
Settlement Time | 24 hours | 24 hours |
Payment Link | Quicklinks | Instalinks |
Suitable for | Predictable pricing | Marketplace use |
Which platform (Infinity or Skydo) is best for your business?
There is no universal answer to the question of which is the “best” for your business. Infinity might be suitable for those who prefer flat and fixed pricing and minimal administrative complexity. On the other side, Skydo might be preferable to those who prefer slab-based pricing and better marketplace integrations. The right choice of which platform to use ultimately depends on the transaction size, frequency, and other operational priorities.
Cost-comparison analysis for Infinity and Skydo
There are so many factors, like pricing, timeline, compliance, and support, that affect the decision to choose a platform for receiving international payments. While all these factors matter, pricing is the most important of all. However, the actual cost of receiving a payment not only depends on the pricing of the platform but also heavily on the transaction size and frequency of receiving international payments.
Let’s look at some practical, real-world payment scenarios that can help us evaluate between Infinity and Skydo.
Example 1: An Indian freelancer receiving $1500 from a US client
This is a common scenario for freelancers who work with overseas clients and receive global payments frequently.
Infinity charges a flat fee of 0.5% of $1500, inclusive of all taxes. FX markup is 0%, and there are no other additional charges.
Total platform cost is $7.50.
According to the Skydo fee slab, up to $2,000, $19 is charged. FX markup is 0%, and 0 charge for compliance documents as well.
So, this makes the total platform cost as $19 + GST.
Observation: For a smaller invoice size, a fixed percentage-based model like Infinity’s can work well and result in lower cost than a fixed slab-based model like Skydo’s that can be relatively costlier.
Example 2: An Indian agency receiving $5000 for working with an overseas client
Indian agencies that work with overseas clients often receive mid-sized payments.
Infinity
Transaction fee: 0.5% of $5,000 = $25
FX markup: 0%
Total platform cost: $25
Skydo
Applicable fee slab: $2,001–$10,000 → $29
GST applicable
Total platform cost: $29 + GST
Observation: At this invoice size, the cost becomes more or less similar for both platforms. Although in this case, Infinity is still cheaper as there is no additional GST involved, while in Skydo’s case, an additional GST makes the cost relatively higher.
Example 3: Indian exporter receiving $20,000 in a single transaction
Indian exporters who work on a large scale often receive payments for high-value invoices.
Infinity
Transaction fee: 0.5% of $20,000 = $100
FX markup: 0%
Total platform cost: $100
Skydo
Applicable fee: 0.3% of $20,000 = $60
GST applicable
Total platform cost: $60 + GST
Observation: For large invoice sizes, Infinity can be costlier because of the fixed percentage-based model. Skydo’s slab-based pricing can be cost-effective in such cases. Businesses receiving fewer but larger payments can find this platform more advantageous.
Overall cost-comparison takeway from the above analysis
Infinity’s pricing model is beneficial for freelancers, Indian businesses with small to mid-sized invoices, and those who want predictable and easy-to-calculate costs.
On the other hand, Skydo’s pricing structure is beneficial to those with high-volume and low-frequency transactions. Also, businesses that find slab-based pricing comfortable can find Skydo’s structure more helpful.
Conclusion: Infinity vs Skydo
Both Infinity and Skydo address the major pain points of Indian professionals receiving global payments.
By offering a minimal pricing model, 0% FX markup, fast settlement timeline, and automated compliance structure, Infinity and Skydo are making sure that the international payments structure in India represents a significant improvement over traditional methods.
A careful analysis of pricing models and other features can help businesses select the platform that best aligns with their growth strategies.
Frequently asked questions (Infinity vs Skydo)
Infinity vs Skydo: Which is better?
There is no universal answer to this question. Both Infinity and Skydo have their own pricing model and other operational strategies. Depending on the needs of your business, you can select either Infinity or Skydo, which best suits your needs.
Do Infinity and Skydo provide FIRA?
Yes, both platforms provide free and automated FIRA.
Are Infinity and Skydo compliant with Indian regulations?
Yes, both Infinity and Skydo are aligned with RBI’s FEMA and GST requirements.
