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Posted on Oct 30, 2025
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Receiving international payments has always been one of the biggest challenges for Indian businesses, especially Indian freelancers, exporters, and startups dealing with international clients.
Traditional banks make the process slow, expensive, and full of compliance hassles. Getting paid from abroad can feel like a daunting process, especially when dealing with high FX markups, delayed settlements, and complex documentation.
That is where Salt.pe comes in. Salt.pe is an Indian fintech startup helping Indian professionals receive international payments hassle-free.
In this in-depth Salt.pe review, we’ll explore how it works, its features, pricing, and benefits. We will also look into various alternatives for Salt.pe in India.
What is Salt.pe?
Salt.pe is a Bengaluru-based fintech company founded in January 2020. The platform is built to help Indian businesses receive international payments easily and compliantly, without having to rely on traditional banks or complicated SWIFT transfers.
The company focuses on two major pain points:
Inward remittances — receiving money from clients abroad.
Foreign investments (FDI) — simplifying compliance for startups raising international funds.
In short, Salt.pe aims to bridge the gap between Indian businesses and global clients or investors, offering them tools to manage payments and compliance under one platform.
Core Products Offered by Salt.pe
Salt currently offers two primary products catering to different business needs.
1. Inward Remittance / Multi-Currency Receiving Solution
This is Salt’s most popular product, built for exporters, freelancers, agencies, and service providers who regularly receive money from international clients.
Instead of asking clients to make SWIFT wire transfers (which are slow and expensive), Salt provides users with local bank account details in foreign currencies such as USD, GBP, EUR, and more.
This means your clients can pay you like a domestic transaction — saving both time and transaction costs. Salt then automatically converts the foreign currency into INR and credits it to your Indian bank account.
2. Table Salt (for Fundraising & FDI Compliance)
Beyond cross-border payments, Salt also supports Indian startups raising foreign direct investment (FDI) through its product called Table Salt.
Table Salt automates the compliance and legal process involved when startups receive funds from overseas investors.
Normally, FDI involves multiple manual steps — from KYC checks to FIRC generation, bank filings, and legal documentation. Salt simplifies this entire workflow with its digital platform.
How Salt.pe Works (Step-by-Step)
Whether you’re a freelancer or a startup, Salt follows a simple and standardised process for cross-border transactions.
Here’s how it works:
Sign up and complete KYC/KYB verification:
Get local account details.
Share details with your international client or investor.
The client makes a local payment to your local account for international transfers.
Conversion and settlement in 24 hours.
This system allows Indian businesses to receive international funds quickly, without dealing with the delays and paperwork of traditional banks.
Features of Salt.pe
Salt offers a range of features designed to make global payments easy for Indian users.
Local currency accounts: Receive payments in your client’s local currency (USD, GBP, EUR, etc.).
Automatic conversion to INR: No need for manual forex conversion, Salt handles it instantly.
Transparent FX rate: Uses the mid-market exchange rate with no markup.
RBI-compliant process: Fully adheres to FEMA and RBI guidelines for export of services.
Dedicated support: Business account managers assist with documentation or compliance issues.
Supported Currencies: According to Salt’s website, it supports 13 major currencies, that is, USD, GBP, EUR, HKD, AED, AUD, CZK, CHF, DKK, NOK, PLN, SEK, and SGD.
Salt.pe Pricing Explained
Salt keeps its pricing structure straightforward and transparent — something freelancers and startups really appreciate.
Transaction Fee: 1.75% of the transfer amount
Includes: FIRC and compliance costs
Exchange Rate: Mid-market rate (no hidden markup)
Setup or Subscription Fees: None
Source: Salt.pe
Example:
If your US client sends $1,000, Salt charges a 1.75% fee ($17.50). You receive the remaining amount in INR at the live market rate — with no extra deductions.
Compared to banks or older payment platforms that can charge 3–5% in FX margins and service fees, Salt’s flat-rate model offers clarity and savings.
Benefits of Using Salt.pe
Salt’s growing popularity among Indian SMEs and freelancers is driven by a few core benefits:
1. Speed and Convenience
Receiving international payments within 24 hours makes a huge difference for cash flow. This helps startups, freelancers, and other Indian professionals manage multiple international projects.
2. Lower Costs
A 1.75% flat fee with no FX markup is significantly cheaper than traditional banks, which often add hidden conversion margins and intermediary charges.
3. Full Transparency
Salt displays all charges upfront. There are no hidden deductions, and you always get the mid-market FX rate.
4. Simplified Client Experience
Your clients don’t have to deal with international transfers; they simply make a local payment, making it easier for them to work with you.
Infinity: A stronger alternative to Salt.pe
If you’re looking for a lower-cost and faster cross-border payment solution, Infinity App is one of the most promising Salt.pe alternatives for 2025.
Here’s why Infinity stands out:
Only a 0.5% fee per transaction, among the lowest in the industry.
No FX markup — uses real-time exchange rates.
Settlement in 24 hours to your Indian bank account.
Full RBI and FEMA compliance.
Built for Indian freelancers, exporters, and startups.
With Infinity, Indian businesses can save up to 80% on fees compared to traditional banks and manage their global payments more efficiently.
FAQs about Salt.pe
1. Who can use Salt.pe?
Any Indian entity, freelancers, startups, or SMEs registered in India can use Salt.pe.
2. Can freelancers use Salt.pe?
Yes. Freelancers with overseas clients can receive payments directly in INR using Salt’s local currency accounts.
3. How long does it take to get paid?
Usually within 24 hours, though it may vary based on bank timings or compliance checks.
4. Can I hold funds in foreign currency?
No. All received amounts are automatically converted to INR.
5. How much does Salt.pe charge?
No hidden fees. The 1.75% flat rate includes all transfer and FIRC costs.
6. Is Salt.pe safe?
Yes. Salt.pe is RBI-compliant and works with regulated financial partners for global transactions.
Conclusion
Salt.pe is a strong, transparent, and India-focused solution for anyone struggling with slow, expensive international payments.
It’s ideal for:
Freelancers working with clients overseas
Exporters receiving foreign payments
Agencies and consultants with global contracts
Startups raising foreign investments
With its flat 1.75% fee, and compliance automation, Salt.pe simplifies how Indian businesses go global.
However, if you’re looking for an even more cost-effective and faster alternative, Infinity App offers a compelling edge, With 0.5% fees, 0% FX markup, and the same compliance assurance.
Both platforms represent the new wave of borderless banking for Indian businesses, making global growth simpler, faster, and more affordable than ever before.
