Global payments
Posted on Dec 30, 2025
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International payments have become an important part of doing global business for Indian professionals like exporters, Saas companies, freelancers, agency owners, etc. So as the global trade increases, businesses need faster settlements, transparent and live FX rates, and hassle-free compliance, something that traditional banks often fail to deliver.
This is where fintech platforms in India come into the picture. One of such fintech platforms is Xflow. Xflow is a modern international payments platform built to help indian businesses receive international payments seamlessly.
In this blog, we will dive deeper to see what Xflow is and how it works in India, Xflow’s pricing, and its features. We will also look into the pros and cons of using Xflow and what the alternatives to Xflow are in India.
So if you are still searching for answers for Xflow India, or Xflow pricing, or the best Xflow alternative in India, then this blog will definitely help you make an informed decision.
What is Xflow?
Xflow is a modern fintech payment platform, built to help Indian businesses receive international payments. Xflow is primarily designed for Indian professionals like exporters, freelancers, and Indian startups that work with global clients.
The problem that Xflow is solving is that it makes sure that the international payment system is fast, secure, and transparent. Instead of relying on traditional methods like SWIFT-based bank transfers, which are slow and expensive, Xflow enables international payments with modern fintech infrastructure.
Xflow positions itself as a transparent and compliant-friendly alternative to banks, offering features such as:
Virtual international bank account
Live foreign exchange rates
Automated FIRA for every successful transaction
Faster INR settlement
With India becoming a hub for global services, platforms like Xflow Indian are getting more and more popular among businesses that want predictable costs and smoother international payments.
How does Xflow work for Indian businesses?
Xflow simplifies the process of international payments in a few simple steps:
Account setup: Indian businesses sign up on Xflow and complete basic KYC to get verified and complete a compliance check.
International collections: Xflow provides virtual account details that allow overseas clients to pay via local methods like ACH, wire transfers, or bank transfers, instead of opting for expensive services like SWIFT.
Currency conversion: International payments that are received via a multi-currency account are converted to INR at live FX rates with no hidden markup.
Settlement in the Indian bank account: The converted INR amount is settled directly into the business’s Indian bank account, typically within a short period of time.
Documentation and compliance: Xflow issues digital FIRA, which is mandatory for GST compliance, refunds, and regulatory reporting in India.
So, this structure makes Xflow particularly useful for service exporters and freelancers who want to avoid constant follow-ups with banks and documentation.
What are the key features of Xflow India?
Virtual international bank accounts
Xflow provides Indian businesses with a virtual bank account, which allows overseas clients to pay like a local. This reduces the friction of international payments and improves the success rate.
Live and transparent FX rate
Unlike traditional methods that add hidden margins to forex conversion, Xflow offers live exchange rates. This helps Indian businesses know exactly how much in INR they will receive.
Automated FIRA issuance
FIRA (Foreign Inward Remittance Advice) is automatically generated digitally, reducing manual paperwork and compliance delays.
Faster settlements
Xflow provides faster settlement cycles that improve cash flow for Indian businesses as compared to traditional bank wires transfer that takes several days.
What is the Xflow pricing in India?
Xflow offers a simple and transparent pricing model to its users. This is how the pricing is generally:
Xflow charges approximately 1% per transaction as a transaction fee.
Xflow does not charge any FX markup and converts foreign currency at live FX rates.
There is nothing more disclosed on the public platform about any other hidden charges.
For example, if you receive $10,000 from an international client, you would typically pay around $100 as a platform fee, with the rest converted at the prevailing exchange rate.
While this is significantly cheaper than traditional banks, the pricing may still feel higher for businesses that are processing large volumes of international payments regularly, which is the reason why many explore Xflow alternatives in India.
What are the pros of using Xflow in India?
The following are the advantages of using Xflow in India as an international payment platform:
Transparent pricing compared to banks
Xflow offers a clear and predictable pricing structure, which is a major advantage over traditional banks. Businesses know upfront what fee they will be charged, so that they don’t have to worry about hidden deductions through poor exchange rates or intermediary bank fees.
Live forex rates without hidden margins
Xflow uses live exchange rates for currency conversion, which allows Indian businesses to see exactly how much they will receive in INR before settlement. This transparency helps avoid revenue loss that is common with bank-led forex conversions.
Digital FIRA for compliance
Xflow provides digital FIRA, which makes it easier for Indian businesses to stay compliant with GST regulations. This reduces manual follow-ups with banks and simplifies documentation during audits or refund claims.
Fast settlement with SWIFT transfer
Compared to traditional SWIFT transfers that take several days for money to settle in an Indian bank account, Xflow offers quicker settlements.
What are the cons of using Xflow in India?
The following are the disadvantages of using Xflow in India as an international payment platform:
Xflow does not provide a complete banking or financial product
Xflow is still not designed to replace a full banking setup. Indian businesses might need more tools or separate tools for other financial operations.
Limited product ecosystem beyond collections
Xflow primarily focuses on international payment collections. Businesses looking for a broader financial ecosystem, such as expense management, cards, or advanced treasury features, may need additional platforms.
What are the best Xflow alternatives in India?
If you are evaluating other options for your business, here are some of the best Xflow alternatives in India, which are compared on pricing, compliance support, and ease of use.
Infinity- Best Xflow alternative in India
Infinity is widely considered one of the strongest alternatives to Xflow in India. Infinity offers a lower and transparent transaction fee of just 0.5% (including all). Infinity does not charge any FX markup; this means that foreign currency is converted at the live FX rate. Infinity also offers an instant FIRA after every successful transaction.
This makes it more cost-efficient and compliance-friendly, especially for businesses handling regular or high-volume payments. Infinity is especially built with Indian freelancers, exporters, startups, SaaS companies, and agencies in mind, offering simple payment links and an easy-to-use dashboard.
Infinity provides a reliable and scalable infrastructure for cross-border payments, making it a preferred Xflow alternative for growing businesses in India.
Wise Business
Wise Business is a popular choice for companies dealing with multiple currencies and international operations.
It offers mid-market exchange rates, transparent fees, and local bank account details in several countries. However, for Indian businesses, compliance-related processes such as FIRA may require additional steps, as Wise is not specifically built around Indian regulatory requirements.
For reading more about Wise Business in India, click here.
PayPal India
PayPal remains one of the most widely accepted payment platforms in India. PayPal is often chosen for its convenience and global recognition. A PayPal global account is easy to set up and works well for occasional or one-off international payments. However, the biggest challenge with PayPal India is its high transaction fee, which is nearly 7%. This significantly impacts the profit margins of the users and hence makes it a less attractive alternative to Xflow in India.
To know more about PayPal in India, click here.
Payoneer
Payoneer in India is commonly used by freelancers and businesses earning through international marketplaces. Payoneer provides its customers with multi-currency receiving accounts and a broad global coverage. Payoneer’s fees and FX margins are generally higher compared to other alternatives in India, like Infinity, and it offers limited flexibility for direct client invoicing.
For reading more about Payoneer in India, click here.
Conclusion
Xflow India is a solid choice for businesses looking to move away from traditional banks and simplify international collections. Its transparent pricing, live forex rates, and automated compliance make it appealing for exporters and other professionals in India.
However, if your business is growing and looking to optimize the costs further, then exploring alternatives to Xflow, like Infinity, is a better idea, as it can make meaningful differences.
Infinity stands out as the most cost-effective and scalable Xflow alternative in India, especially for businesses and professionals that prioritise pricing transparency, compliance, and long-term growth.
FAQs about Xflow India
What is Xflow India?
Xflow is a modern fintech payment platform, built to help Indian businesses receive international payments.
Does Xflow provide FIRA?
Yes, Xflow offers digital FIRA to support GST and compliance requirements.
Is Xflow available in India?
Yes, Xflow is specifically designed for Indian businesses receiving international payments.
What is the best Xflow alternative in India?
Infinity is considered one of the best Xflow alternatives due to lower transaction fees.
