What are Cashfree Payments fees in India for receiving international payments in 2026?
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Short answer
Cashfree Payments does not publish its Global Collections fee for bank transfers; its pricing page says "Request Price".1 Cashfree says Global Collections has no forex markup.2 Cashfree says the e-FIRA is generated at no extra cost.2 Cashfree lists a 2.99% platform fee for Visa and Mastercard international cards.1 American Express cards carry a 2.95% platform fee.1
| Fee type | Amount | When it applies |
|---|---|---|
| Global Collections processing fee | Not published ("Request Price")1 | Client pays by local transfer or SWIFT into Global Collections16 |
| Forex markup | None, per Cashfree2 | Conversion of Global Collections receipts to INR24 |
| e-FIRA | No extra cost, per Cashfree2 | Each Global Collections receipt2 |
| Visa or Mastercard international card | 2.99% platform fee1 | Client pays by international card through the International Payment Gateway17 |
| American Express | 2.95% platform fee1 | Client pays by American Express card1 |
1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).
Estimated rupees received, on published fees
Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.
| # | Provider and route | Best for | Fee (+GST) | Markup | You receive | Cost |
|---|---|---|---|---|---|---|
| 1 | Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹942plus GST, rate not stated | 0% | ₹93,131 to ₹93,301 | 1.00 to 1.18% |
| 2 | RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,000plus GST, rate not stated | 0% | ₹93,063 to ₹93,243 | 1.06 to 1.25% |
| 3 | WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,435 | 0% | ₹92,809 | 1.52% |
| 4 | SkydoPayment link (InstaLinks) paid by ACH debit | Local bank transfers from major markets | ₹1,885plus GST, rate not stated | 0% | ₹92,019 to ₹92,358 | 2.00 to 2.36% |
| 5 | PayoneerLocal bank transfer to Payoneer receiving account details | Marketplace payouts such as Amazon or Upwork | ₹0no GST stated | 1 to 4% | ₹90,473 to ₹93,301 | 1.00 to 4.00% |
| 6 | PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice) | Clients paying by card or PayPal balance | ₹4,175no GST stated | 3 to 4% | ₹86,465 to ₹87,366 | 7.30 to 8.25% |
Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.
Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.
Cashfree Payments offers two ways for an Indian business to get paid from abroad: Global Collections, where a foreign client pays by bank transfer to local account details, and the International Payment Gateway, where the client pays by card. This page sets out what Cashfree publishes about the cost of each, as of October 2026.1 For how the products work and who can use them, see the Cashfree Payments review.
Cashfree says it currently enables cross-border payments only for businesses, so these fees apply to registered businesses, not individual freelancers.14 Fees can change and Global Collections is priced on request, so ask Cashfree for a written quote.
What are Cashfree Payments fees at a glance?
Cashfree Payments publishes a fee for international cards but not for bank transfers into Global Collections accounts, which are priced on request.1 Global Collections accounts receive ACH, SEPA, EFT, Faster Payments and SWIFT transfers.6
| Cost | What Cashfree publishes |
|---|---|
| Local bank transfer (ACH, SEPA, EFT, Faster Payments) into Global Collections | Not published ("Request Price"); described as a low processing fee with no hidden charges |
| SWIFT transfer into Global Collections | Not published ("Request Price") |
| Conversion to INR | No forex markup, per Cashfree; exchange rate source not published |
| Payout to Indian bank account | Automatic settlement in INR; no separate payout fee published |
| e-FIRA | No extra cost, per Cashfree |
| International card, Visa or Mastercard | 2.99% platform fee |
| International card, American Express | 2.95% platform fee |
| PayPal through Cashfree | PayPal's own rates; Cashfree says it adds no gateway charge |
| Setup fee | None, per Cashfree |
| Subscription or maintenance fee | None, per Cashfree |
The table lists each cost as Cashfree states it.123478
How does Cashfree Payments charge Indian users?
Cashfree Payments charges Indian businesses a processing fee on Global Collections that it quotes on request, and a published platform fee on international cards.1
- Transaction fee: Global Collections fee not published ("Request Price"); international cards 2.99% for Visa and Mastercard and 2.95% for American Express.1
- FX markup: None on Global Collections, per Cashfree.2
- Withdrawal fee: No separate payout fee published; receipts settle automatically in INR.24
- Fixed fee: No setup cost and no subscription fee on Global Collections, per Cashfree.12
Enterprise customers can get custom pricing.3
What does Cashfree Payments charge by payment method?
Cashfree Payments lists a platform fee of 2.99% for Visa and Mastercard international cards and 2.95% for American Express on its India pricing page, and prices Global Collections bank transfers on request.1 Cashfree defines a platform fee as a fee other than the fee charged on the transaction for payment instruments.1
| Payment method | Cashfree's published fee | Best for |
|---|---|---|
| Local transfer (ACH, SEPA, EFT, Faster Payments) into Global Collections | Not published ("Request Price") | Clients paying from the US, eurozone, Canada or UK by bank transfer |
| SWIFT transfer into Global Collections | Not published ("Request Price") | Clients paying from other countries by wire |
| Visa or Mastercard international card | 2.99% platform fee | Clients who prefer to pay by card |
| American Express | 2.95% platform fee | Clients paying by Amex |
| PayPal through the Cashfree checkout | PayPal's own rates; no extra Cashfree charge | Clients who want to pay from a PayPal account |
The table follows Cashfree's pricing page and documentation.168
For example, on a $1,000 Visa card payment, Cashfree's 2.99% platform fee is $29.90, before any GST or conversion cost that Cashfree does not state.1
What is the Cashfree Payments currency conversion fee and FX markup?
Cashfree Payments says Global Collections carries no forex markup and that it converts receipts to INR in real time.24 Cashfree does not publish which reference rate it uses, when in the day the rate is fixed, or whether any spread is built into the rate.2
For example, if a $5,000 receipt is credited at a rate that is 0.5% below the same-day reference rate, the gap costs 0.5% of the receipt even with no stated markup.2 To check, note the INR amount credited against the foreign amount received and compare it with a reference rate on the same day.
For card payments, Cashfree describes a Pay Native feature (dynamic currency conversion) in which the customer pays in their own currency at a locked-in rate and the merchant settles in INR.7 The exchange rate terms for Pay Native are not published.
What are Cashfree Payments withdrawal and settlement fees?
Cashfree Payments publishes no separate payout fee: it converts Global Collections receipts to INR and settles them to the business's Indian bank account automatically.24 Balances cannot be held in foreign currency or settled to a foreign currency account.24
- Global Collections settlement: Cashfree says funds are repatriated to India no later than seven days after they reach its NOSTRO account, but it does not publish a settlement time to the exporter.2
- International cards: Cashfree's documentation states settlement within T+2 days.7
- PayPal through Cashfree: Settles on a T+2 cycle, subject to bank approval and other factors.3
- e-FIRA: Generated at no extra cost within one day of the transaction; the AD-1 partner bank issues an eFIRS on a T+1 basis, requested through the support form or your account manager.25
See FIRC vs FIRA vs e-BRC for what each document is.
Is GST charged on Cashfree Payments fees?
Cashfree Payments' pricing page does not state whether GST is added to the international card platform fee.1 Global Collections is priced on request, so ask Cashfree whether the quoted fee includes GST.1
How much INR do you receive on $2,000, $5,000 and $10,000 with Cashfree Payments?
Cashfree Payments does not publish the Global Collections fee or the exchange rate it uses, which are the two inputs needed to estimate what a bank-transfer receipt pays in INR.12 The table below shows what published fees allow, at today's rate.
None of these providers publishes both a fee and a conversion markup for USD.
Not estimated because pricing for USD is not fully published: Cashfree Payments.
Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.
Once you have a quote from Cashfree, enter it in the international payment fee calculator to compare it with other options.
What hidden or one-off charges does Cashfree Payments apply?
Cashfree Payments publishes no one-off charges for Global Collections or international cards, and several are simply not published.1257
- Chargeback: Chargeback and dispute fees for international card payments are not published.17
- Refund: Refund fees for international card payments are not published.17
- Currency holding: Not available; every Global Collections receipt settles in INR.24
- Remittance documents: No fee for duplicate or custom remittance documents is published.5
Cashfree also does not publish the exchange rate source or any spread on conversion to INR, the Global Collections settlement time to the exporter's bank, or the exchange rate terms for Pay Native.27
How can you reduce Cashfree Payments fees?
Cashfree Payments fees depend mostly on the Global Collections quote you negotiate, since that fee is not published.1
- Get a written quote: Ask for the Global Collections fee per transfer type, including SWIFT, in writing.1
- Prefer bank transfer for large invoices: Card payments carry a 2.99% or 2.95% platform fee, so a quoted Global Collections fee may cost less on a large invoice.1
- Check the credited rate: Cashfree says there is no forex markup, so compare each INR credit with a same-day reference rate.2
- Ask about custom pricing: Cashfree says enterprise customers can get custom pricing.3
How do Cashfree Payments fees compare with other platforms?
Cashfree Payments does not publish its Global Collections fee, so its cost cannot be estimated and it sits after the providers that publish full pricing.1 The table is ordered by estimated cost on a USD 5,000 receipt, cheapest first, using each provider's published fees, FX markup and GST where published; providers without full published pricing follow, A to Z.
| Platform | Best for | Estimated cost on USD 5,000 | Fees guide |
|---|---|---|---|
| Skydo | Local bank transfers from major markets9 | 0.68%101112 | Skydo fees |
| Razorpay | Local transfers from the US, UK and eurozone13 | 1.00 to 1.18%1415 | Razorpay fees |
| Karbon Business | US bank transfers and marketplace payouts16 | 1.00 to 1.18%1617 | Karbon Business fees |
| Winvesta | Local transfers with a published per-payment fee1819 | 1.24%18 | Winvesta fees |
| Cashfree Payments | Registered businesses paid by local transfer46 | Not estimated: Global Collections fee not published1 | This page |
For more options, see Cashfree Payments alternatives and Wise vs Cashfree Payments.
How did we verify this?
We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.
- [1]Cashfree Payments, Payment Gateway Charges, International Cards, Global Collections and Cross Border FAQ (checked 28 October 2026)
- [2]Cashfree Payments, Global Collections: International wire transfer for Indian businesses (checked 28 October 2026)
- [3]Cashfree Payments, Cross Border Payment solutions: Accept international payments (checked 28 October 2026)
- [4]Cashfree Payments Docs, Global Collections overview (checked 28 October 2026)
- [5]Cashfree Payments Docs, Global Collections FAQs (checked 28 October 2026)
- [6]Cashfree Payments Docs, Global Collections: Collection Accounts (checked 28 October 2026)
- [7]Cashfree Payments Docs, International Payment Gateway (IPG) overview (checked 28 October 2026)
- [8]Cashfree Payments Docs, PayPal for International Payments (checked 28 October 2026)
- [9]Skydo FAQs, What countries can I get paid locally through Skydo? (checked 2026-10-28)
- [10]Skydo FAQ, How much does Skydo charge? (checked 2026-10-28)
- [11]Skydo, Home page (checked 2026-10-28)
- [12]Skydo, Terms of use (checked 2026-10-28)
- [13]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
- [14]Razorpay, MoneySaver Export Account (international bank transfers) (checked 2026-10-28)
- [15]Razorpay, Pricing (checked 2026-10-28)
- [16]Karbon Business, Karbon for Freelancers (checked 2026-10-28)
- [17]Karbon, PayPal alternative (checked 2026-10-28)
- [18]Winvesta FAQs, What are the charges for the global collections account? (checked 2026-10-28)
- [19]Winvesta FAQs, What currencies are available with local accounts? (checked 2026-10-28)
Frequently asked questions
How much does Cashfree charge to receive a USD bank transfer?+
Cashfree Payments does not publish the fee for a USD bank transfer into Global Collections. The fee is shown as 'Request Price' on Cashfree's pricing page, and Cashfree describes it as a low processing fee with no hidden charges, so you need a written quote from Cashfree.1
Can individual freelancers use Cashfree for international payments?+
Cashfree Payments says it currently enables cross-border payments only for businesses. Its Global Collections and card fees therefore apply to registered businesses, and an individual freelancer without a registered business would need to check with Cashfree before applying for Global Collections or the International Payment Gateway.14
Is there a setup or annual fee for Cashfree cross-border payments?+
Cashfree Payments says there is no setup cost for cross-border payments and no subscription fee for Global Collections. Cashfree does not publish any minimum volume, monthly minimum or account closure fee for Global Collections, and enterprise customers can get custom pricing on request.123
How does Cashfree handle PayPal payments?+
PayPal payments made through the Cashfree Payments checkout are charged at PayPal's own rates, and Cashfree says it charges nothing extra for the PayPal integration. Cashfree says these PayPal payments settle on a T+2 cycle, subject to bank approval and other factors.138
Which transfer types can Cashfree Global Collections accounts receive?+
Cashfree Payments says Global Collections accounts receive ACH, SEPA, EFT, Faster Payments and SWIFT transfers. Each receipt is converted to INR and settled to the Indian bank account, because Cashfree does not let Global Collections balances be held in foreign currency.246
How quickly does Cashfree issue the e-FIRA?+
Cashfree Payments says the Global Collections e-FIRA is generated within one day of the transaction. Its documentation adds that the AD-1 partner bank issues an eFIRS on a T+1 basis, which you request through the support form or your Cashfree account manager.25
This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.
Keep reading
Cashfree Payments for Indian service exporters: how it works, costs and limits
How Cashfree Payments Global Collections and its international card gateway work for Indian service exporters: RBI status, who can sign up, FIRA, limits and costs.
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Bank wires, RBI-authorised cross-border aggregators, PayPal and card gateways compared for Indian freelancers and agencies: fee types, FIRA and compliance.
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