Discover infinity
Posted on Feb 22, 2026
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TL;DR
Both Infinity and Wise are credible choices if you are an Indian exporter, consultant, agency owner, SaaS developer, or freelancer getting paid internationally in 2026; however, their objectives are a little different.
Infinity offers 0% FX markup, costs a flat 0.5% (all-inclusive), and delivers FIRA at no cost. Wise costs $2.5 per FIRA, a transaction fee of approximately 1.8%, and converts at the mid-market rate.
Infinity is typically the more affordable and India-focused option for Indian professionals who value reduced overall costs, quicker INR payouts, and compliance assistance like free FIRA. Wise is still a powerful worldwide platform, particularly for users who transact in several currencies and nations, but it is a more expensive choice.
You can use this thorough analysis to determine which platform is best for your company in 2026.
Introduction
In recent years, there has been a significant change in the way that overseas payments are received in India. More Indian experts are invoicing clients in USD, EUR, GBP, and other foreign currencies as a result of the rise in remote work, international freelancing, SaaS exports, digital agencies, and consulting firms.
But getting money isn't the only problem; it's also:
Reducing FX loss
Cutting down on hidden costs
Receiving quick INR payouts
Making sure the RBI complies
Getting FIRA for regulatory and tax purposes
Infinity and Wise are two platforms that are frequently compared in this particular field. Everything you need to know is broken down in this blog, including features, cost, compliance, settlement time, and which option is actually best for Indian professionals in 2026.
What is Infinity?
Infinity is a modern cross-border payments platform designed specifically for Indian professionals and businesses that receive international payments. Its main goal is to streamline international collections while maintaining pricing transparency and regulatory compliance.
Infinity streamlines the procedure for modern companies, in contrast to traditional banks that frequently impose large currency margins and lengthy processing periods.
Important Features of Infinity
1. Acceptance of Multiple Currency Payments
Receiving payments in major currencies like USD, EUR, GBP, AUD, and more is made possible by Infinity. Your customers can easily pay you in their local currency with the help of Infinity’s multi-currency account.
2. Flat 0.5% All-Inclusive Pricing
All fees are included in the 0.5% fee that Infinity charges for each transaction. There aren't any unexpected deductions or hidden platform fees.
3. Zero FX markup
Offering 0% FX markup, that is, not inflating the currency rate over what is openly quoted, is one of Infinity's greatest advantages.
This is important since professionals frequently lose more money on forex margins than on visible transaction fees.
4. Foreign Inward Remittance Advice, or Free FIRA
FIRA is crucial for Indian exporters and freelancers for:
Filings for income taxes* Compliance with GST
Export records
Evidence of inward foreign remittance
FIRA is entirely free from Infinity, eliminating any additional fees and administrative strain.
5. Quicker Settlements in INR
For speedy INR transfers to Indian bank accounts, Infinity is optimised. Infinity settles payments within 24-hours. This increases the predictability of cash flow, which is important for agencies and service companies.
6. Compliance with Indian Regulation
Because Infinity was developed with Indian regulatory needs in mind, professionals can maintain compliance more easily with free and automated FIRA and without having to deal with complicated documentation procedures.
Infinity Pricing Breakdown
Here is how Infinity structures its pricing:
Transaction Fee: 0.5% (inclusive of all charges)
FX Markup: 0%
FIRA: Free
Hidden Fees: None
Example Scenario
If you receive $10,000 from a US client:
Infinity fee at 0.5% = $50 equivalent
No FX markup
No FIRA charge
Your total effective cost remains highly predictable and transparent. For high-volume freelancers and agencies, this difference can add up significantly over a year.
What is Wise?
The well-known fintech company Wise (previously TransferWise) allows people and companies to transmit, receive, and hold money in a variety of currencies.
Offering exchange rates that are at the mid-market rate and encouraging transparency are two of Wise's well-known characteristics.
Around the world, startups, remote workers, and freelancers use it extensively.
Read more: Wise 2026- Review, Features and Pricing
Key Features of Wise
1. Multi-Currency Accounts
Users can keep accounts in several currencies using Wise. Money in USD, EUR, GBP, AUD, and other currencies is available to you.
2. Mid-Market Exchange Rate
Wise does not imposes a separate conversion fee and converts currencies using the mid-market exchange rate.
3. International Infrastructure
Wise is a well-known brand throughout the world due to its robust international presence.
4. Details of International Banks
To make overseas payments easier, users can create receiving details in a variety of currencies.
Wise Pricing Breakdown
Wise is transparent, but while accepting payments in India, it's crucial to understand the entire cost structure.
Transaction Fee: Depending on the corridor, around 1.8%
FIRA: $2.5 for each FIRA
Extra Fees: There is no currency conversion cost. Wise uses the mid-market rate.
A Sample Situation
If you are given $10,000:
A transaction cost of about 1.8% equals $180.
FIRA cost is equal to $2.5
The overall effective cost is much greater than that of a flat 0.5% model.
For professionals who handle regular overseas payments, the difference might grow significantly over a 12-month period.
Infinity vs Wise: Detailed Comparison for Indian Professionals
Let's break this into factors that are actually important:
1. Transparency in Pricing
Cost computation is made easier by Infinity's flat 0.5% all-inclusive system.
Wise charges $2.5 for FIRA and a transaction fee of about 1.8%. The mid-market pricing is clear, but the overall effective cost is ultimately greater.
India's Cost-Efficiency Winner: Infinity
2. Exchange Rates & FX Markup
One significant benefit of using Infinity is that it offers 0% FX markup.
Even though Wise converts at the mid-market rate, Indian users' overall expenses are increased due to the platform's fee structure.
Forex Advantage winner: Infinity and Wise
3. FIRA & Compliance
FIRA is necessary for Indian professionals to:
Compliance with GST
Audits of taxes
Export records
FIRA is provided at no cost by Infinity.
However, Wise charges $2.5 for FIRA. Over time, the cost of compliance rises due to Wise's $2.5 fee per FIRA. FIRA charges alone amount to $50 per month for businesses that receive 20 payments each month.
Winner for Compliance Support: Infinity
4. Indian Bank Account Settlement Speed
For freelancers and agencies, cash flow is essential.
With an India-first operational strategy, Infinity is geared up to provide 24-hour INR settlements.
Depending on banking procedures and currency corridors, wise transfers could take longer, that is, around 3-4 days.
Winner for Predictable INR Cash Flow: Infinity
Criteria | Infinity | Wise |
Transaction Fee | 0.5% (all-inclusive) | ~1.8% (varies by corridor) |
FX Markup | 0% FX markup | Uses mid-market rate |
FIRA Charges | Free | $2.5 per FIRA |
Total Cost Predictability | High (flat pricing model) | Moderate (variable based on amount & currency) |
INR Optimisation | Built for Indian users | Global-first structure |
Best For | Indian freelancers, agencies, SaaS founders, exporters | Globally mobile professionals |
Infinity: A better choice for Indian professionals in 2026
How much of your hard-earned international earnings actually reaches your Indian bank account is the decisive factor for Indian exporters, consultants, freelancers, agencies, and SaaS owners. When comparing the two platforms only from that perspective, Infinity is clearly the more affordable and useful choice for professionals in India in 2026.
The entire expense is the most important differentiator. Infinity offers free FIRA, 0% FX markup, and a fixed 0.5% all-inclusive fee. Your expenses become clear and predictable as a result. On the other hand, Wise charges an extra $2.5 per FIRA in addition to a transaction cost of about 1.8%. Even if Wise employs the mid-market rate, you really lose more money on each invoice because of the higher transaction %, especially as your billing volume rises.
The difference grows significantly over time. For professionals who bill between $5,000 and $20,000 a month, even a 1–1.3% cost difference can save thousands of rupees each month and lakhs each year. For individuals residing in India, the most important factor is INR realisation, which is maximised by Infinity's pricing structure.
Compliance is another important factor. FIRA is required for income tax reporting, export documentation, and GST filings in India; it is not an elective. Infinity eliminates the administrative and financial strain by offering FIRA at no cost. The extra $2.5 per FIRA with Wise might not seem like much at first, but for professionals who get several payments each month, it adds up to a significant monthly price.
Nonetheless, Wise is still useful for people who work internationally and have to hold and manage various currencies simultaneously. It is appropriate for those who value international flexibility over India-specific optimisation because of its global infrastructure and well-known brand.
However, Infinity is clearly the better option in 2026 for professionals living in India whose main goals are to increase net INR profits, minimise expenses, maintain compliance, and efficiently receive international payments.
So what are you waiting for? Sign up with Infinity today!
FAQs
1. Is Wise available to freelancers in India?
Yes, Indian users can receive and convert foreign payments into Indian rupees using Wise.
2. Does FX markup get charged by Infinity?
No, there is no FX markup with Infinity.
3. What is the cost of FIRA with Wise?
Each FIRA costs $2.5 from Wise.
4. What is the transaction charge for Infinity?
All costs included, Infinity charges 0.5% each transaction.
5. Which platform is more affordable for professionals in India?
Infinity is typically more affordable for professionals in India who receive regular overseas payments, according to current price patterns.
