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PingPong vs PayU (2026): Which Is Better for Receiving International Payments in India?

Author:
Editorial team, serviceexportguide.com
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Editorial team
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13 min read

Short answer

Neither PingPong nor PayU publishes enough pricing to estimate the cost of a USD 5,000 receipt, so there is no cost verdict. The better choice depends on how your client pays: PingPong is best for collecting marketplace and processor payouts, and PayU is best for card or PayPal checkout with INR settlement.123

Use caseBetter optionWhy
Bank transfer of USD 5,000Cannot compareNeither publishes full pricing for this case.
Bank transfer of USD 2,000Cannot compareNeither publishes full pricing for this case.
Client paying USD 2,000 by card or linkCannot compareNeither publishes full pricing for this case.
PingPong is best forPingPongCollecting marketplace and processor payouts.12
PayU is best forPayUCard or PayPal checkout with INR settlement.3

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 routeBest forFee (+GST)MarkupYou receiveCost
1Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD accountUS bank transfers and marketplace payouts₹942plus GST, rate not stated0%₹93,131 to ₹93,3011.00 to 1.18%
2RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)Local transfers from the US, UK and eurozone₹1,000plus GST, rate not stated0%₹93,063 to ₹93,2431.06 to 1.25%
3WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)Local transfers with a published per-payment fee₹1,4350%₹92,8091.52%
4SkydoPayment link (InstaLinks) paid by ACH debitLocal bank transfers from major markets₹1,885plus GST, rate not stated0%₹92,019 to ₹92,3582.00 to 2.36%
5PayoneerLocal bank transfer to Payoneer receiving account detailsMarketplace payouts such as Amazon or Upwork₹0no GST stated1 to 4%₹90,473 to ₹93,3011.00 to 4.00%
6PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)Clients paying by card or PayPal balance₹4,175no GST stated3 to 4%₹86,465 to ₹87,3667.30 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.

How do PingPong and PayU compare at a glance?

PingPong and PayU compare on the twelve points below, using each provider's published information as checked on 28 October 2026. Where a provider does not publish something, the table says so.456

PingPongPayU
Best forCollecting marketplace and processor payouts12Card or PayPal checkout with INR settlement3
FeesPingPong says creating an account and receiving payments is free of charge, and that most virtual accounts are free to use.453% for international transactions under the Standard Plan, GST extra. No separate bank transfer receiving fee is published because PayU does not publish a bank transfer collection route.6
FX markupNot published as a percentage. PingPong's terms say conversion happens at the rate PingPong determines at the time of the transaction, at its sole and absolute discretion.Converted to INR at the rate on the transaction date; PayU says it applies exchange rate or margins on the card issuing currency for dynamic currency conversion. The margin is not published.37
SettlementPingPong says INR withdrawals submitted before 2:30 pm succeed the same day (T+0) and after 2:30 pm the next day (T+1); non-INR withdrawals succeed within 1 to 3 days. Its freelancer page says 1 to 2 working days to an Indian account.82Typically T+2 business days for international payments.37
FIRAPingPong says it provides a digital FIRC free of cost. You apply in the dashboard against the relevant transactions and PingPong says the application takes 3 to 5 business days.1910PayU says it provides a FIRC on request through the merchant's Key Account Manager. The cost is not published.7
CurrenciesPingPong India lists virtual accounts in 12 currencies. Its freelancer page lists a shorter set of six receiving currencies.12PayU says it accepts payments in 135+ currencies and can show local prices in 27 currencies.37
KYC: who can sign upIndividuals (personal account) and businesses registered as partnerships, corporations or sole proprietorships. LLPs are not named.11PayU's account activation checklist covers individuals, sole proprietorships, partnerships, LLPs, private and public limited companies and other entity types. International payments must be enabled separately through a PayU Key Account Manager; PayU does not publish which entity types are eligible for them.1213
RBI PA-CB statusPingPong says its India Liaison Office is approved by the RBI (unique identification number BGLO19008226) and that PingPong acts in India as an Online Payment Gateway Service Provider (OPGSP). Its terms for Indian customers cite the RBI Payment Aggregator Cross Border (PA-CB) rules and say funds are held in an Export Collection Account with an Authorised Dealer bank in India. PingPong does not appear among the PA-CB entities in the RBI list of Certificates of Authorisation dated 16 October 2026. Under the RBI Master Direction of 15 September 2025, the older OPGSP circulars continue only for an existing PA-CB that applied for authorisation on or before 30 April 2024 and whose application is still pending. Whether PingPong has such a pending application is not published on the pages checked.1415161718The RBI lists PayU Payments Private Limited as a Payment Aggregator (online and physical) and as PA-CB I & O, a cross-border payment aggregator facilitating inward and outward transactions, in its list dated 16 October 2026.17
SupportEmail cs-india@pingpongx.com, LiveChat, a Bengaluru office for licensing queries, and a dedicated account manager.1491Existing merchants raise a ticket at help.payu.in or email care@payu.in; new merchants are directed to their account manager or care@payu.in for international rates.3
LimitsPingPong's India terms limit eligible receipts to ₹25,00,000 per transaction. The number of virtual accounts you can open depends on account usage level and turnover.1619PayU does not publish a limit for export receipts. RBI rules set a limit of ₹25 lakh per export transaction for PA-CBs.318
How clients payPayment into a virtual receiving account from marketplaces, payment processors such as PayPal and Stripe, or a client's wire transfer (PingPong may ask for the invoice or contract); or through a PingPong payment request (e-invoice) paid by bank transfer or PingPong balance.122021International credit and debit cards (Visa, Mastercard, American Express) and PayPal at a PayU checkout. PayU does not publish local bank account details or virtual accounts for foreign clients to pay by bank transfer.313
Card paymentsPingPong's India home page says payment requests accept bank transfers and US debit card payments; its help centre lists only bank transfer and PingPong balance for paying an e-invoice. Card fee: Not published.121Yes. International card transactions fall under PayU's 3% Standard Plan slab, GST extra.6

How much INR do you receive on $2,000, $5,000 and $10,000 with PingPong vs PayU?

The INR you receive with PingPong and PayU is the invoice at the reference rate, less each provider's fee, conversion markup, GST on fees and FIRA charge. The table works this out from published pricing 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: PingPong.

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.

What is PingPong and who is it for?

PingPong is a cross-border payments company founded in New York in 2015 that gives Indian sellers, freelancers and service providers virtual receiving accounts in foreign currencies and withdraws the money to an Indian bank account.151

  • Regulated by: PingPong says its India Liaison Office is approved by the RBI (unique identification number BGLO19008226) and that PingPong acts in India as an Online Payment Gateway Service Provider (OPGSP). Its terms for Indian customers cite the RBI Payment Aggregator Cross Border (PA-CB) rules and say funds are held in an Export Collection Account with an Authorised Dealer bank in India. PingPong does not appear among the PA-CB entities in the RBI list of Certificates of Authorisation dated 16 October 2026. Under the RBI Master Direction of 15 September 2025, the older OPGSP circulars continue only for an existing PA-CB that applied for authorisation on or before 30 April 2024 and whose application is still pending. Whether PingPong has such a pending application is not published on the pages checked.1415161718
  • Used by: Individuals (personal account) and businesses registered as partnerships, corporations or sole proprietorships. LLPs are not named.11
  • Best for: Collecting marketplace and processor payouts.12

What is PayU and who is it for?

PayU is an Indian payment gateway that the RBI lists as a cross-border payment aggregator for inward and outward transactions; its international payments product lets Indian merchants accept foreign cards and PayPal and settles in INR.173

  • Regulated by: The RBI lists PayU Payments Private Limited as a Payment Aggregator (online and physical) and as PA-CB I & O, a cross-border payment aggregator facilitating inward and outward transactions, in its list dated 16 October 2026.17
  • Used by: PayU's account activation checklist covers individuals, sole proprietorships, partnerships, LLPs, private and public limited companies and other entity types. International payments must be enabled separately through a PayU Key Account Manager; PayU does not publish which entity types are eligible for them.1213
  • Best for: Card or PayPal checkout with INR settlement.3

How do PingPong and PayU fees and FX markup compare?

PingPong and PayU charge in different ways, so compare the fee and the conversion markup together, not the headline fee alone.

What does PingPong charge?

Transaction typeFeeFX markupGST on feesBest for
Payment into a PingPong virtual receiving account, then withdrawal to an Indian bank1%45116Not publishedNot statedClients paying by local bank transfer

What does PayU charge?

Transaction typeFeeFX markupGST on feesBest for
International card or PayPal transaction at PayU checkout (Standard plan)3%67Not publishedNot statedClients paying by card

How do PingPong and PayU compare on settlement speed?

PingPong and PayU publish these settlement times for money reaching an Indian bank account.

PlatformSettlement timePayout to IndiaBest for
PingPongPingPong says INR withdrawals submitted before 2:30 pm succeed the same day (T+0) and after 2:30 pm the next day (T+1); non-INR withdrawals succeed within 1 to 3 days. Its freelancer page says 1 to 2 working days to an Indian account.82Withdrawal to your own Indian bank account, manually or by auto withdraw, in INR or in foreign currency to an EEFC account. PingPong's help centre says withdrawals are charged 1% per transaction and that the fee standard may vary by region.184Collecting marketplace and processor payouts12
PayUTypically T+2 business days for international payments.37Settled automatically to the merchant's bank account in INR; PayU's documentation also mentions non-INR settlement. No separate payout fee is published for standard settlement; priority or same-day settlement may carry a nominal fee that is not published.3136Card or PayPal checkout with INR settlement3

Do PingPong and PayU provide FIRA and e-BRC, and are they RBI PA-CB authorised?

PingPong and PayU publish the FIRA position and RBI status below, checked on 28 October 2026. An e-BRC is generated by the exporter on the DGFT portal from bank remittance data, so it does not depend on the provider issuing one.41

PlatformFIRARBI PA-CB statusBest for
PingPongPingPong says it provides a digital FIRC free of cost. You apply in the dashboard against the relevant transactions and PingPong says the application takes 3 to 5 business days.1910PingPong says its India Liaison Office is approved by the RBI (unique identification number BGLO19008226) and that PingPong acts in India as an Online Payment Gateway Service Provider (OPGSP). Its terms for Indian customers cite the RBI Payment Aggregator Cross Border (PA-CB) rules and say funds are held in an Export Collection Account with an Authorised Dealer bank in India. PingPong does not appear among the PA-CB entities in the RBI list of Certificates of Authorisation dated 16 October 2026. Under the RBI Master Direction of 15 September 2025, the older OPGSP circulars continue only for an existing PA-CB that applied for authorisation on or before 30 April 2024 and whose application is still pending. Whether PingPong has such a pending application is not published on the pages checked.1415161718Collecting marketplace and processor payouts12
PayUPayU says it provides a FIRC on request through the merchant's Key Account Manager. The cost is not published.7The RBI lists PayU Payments Private Limited as a Payment Aggregator (online and physical) and as PA-CB I & O, a cross-border payment aggregator facilitating inward and outward transactions, in its list dated 16 October 2026.17Card or PayPal checkout with INR settlement3

Which currencies, countries and payment methods do PingPong and PayU support?

PingPong and PayU accept the currencies and payment methods below, as each publishes them.

PlatformCurrenciesHow clients payCard paymentsBest for
PingPongPingPong India lists virtual accounts in 12 currencies. Its freelancer page lists a shorter set of six receiving currencies.12Payment into a virtual receiving account from marketplaces, payment processors such as PayPal and Stripe, or a client's wire transfer (PingPong may ask for the invoice or contract); or through a PingPong payment request (e-invoice) paid by bank transfer or PingPong balance.122021PingPong's India home page says payment requests accept bank transfers and US debit card payments; its help centre lists only bank transfer and PingPong balance for paying an e-invoice. Card fee: Not published.121Collecting marketplace and processor payouts12
PayUPayU says it accepts payments in 135+ currencies and can show local prices in 27 currencies.37International credit and debit cards (Visa, Mastercard, American Express) and PayPal at a PayU checkout. PayU does not publish local bank account details or virtual accounts for foreign clients to pay by bank transfer.313Yes. International card transactions fall under PayU's 3% Standard Plan slab, GST extra.6Card or PayPal checkout with INR settlement3

What are the strengths and limitations of PingPong and PayU?

PingPong and PayU each suit some exporters better than others. These points come from each provider's own pages.

What are the strengths and limitations of PingPong?

Strengths:

  • You are paid through marketplaces, app stores or processors such as PayPal and Stripe and want a receiving account that collects those payouts.12
  • You want to keep receipts in foreign currency through an EEFC account rather than convert every payment to INR.1
  • You want a free digital FIRC from the dashboard for each receipt.110

Limitations:

  • PingPong does not appear among PA-CB entities in the RBI list of Certificates of Authorisation dated 16 October 2026, and its India authorisation status under the PA-CB rules is not published on the pages checked.1714
  • The FX rate is set by PingPong at its discretion and no markup percentage is published.16
  • The 1% withdrawal fee is published in a help article that says the fee may vary by region and to check with customer service or an account manager.4
  • Eligible receipts are capped at ₹25,00,000 per transaction.16
  • The contracting entity for India is PingPong Global Solutions Inc., a New York corporation, with California law and courts.16

What are the strengths and limitations of PayU?

Strengths:

  • Your foreign clients prefer to pay by international card or PayPal on a checkout page and you want INR settlement.3
  • You want a provider listed by the RBI as a cross-border payment aggregator for inward transactions.17
  • You already use PayU for domestic payments and want international payments enabled on the same integration.13

Limitations:

  • No bank transfer collection route (local account details for foreign clients) is published; the international product is card and wallet based.313
  • The exchange margin on conversion to INR is not published.7
  • International payments must be enabled through a Key Account Manager, and the FIRC is also requested through the account manager.137
  • PA-CB export transactions are limited to ₹25 lakh each under RBI rules.18
  • Priority settlement fees and the conditions behind the Standard Plan's terms and conditions note are not published.6

Should you choose PingPong or PayU?

Choose between PingPong and PayU by how your clients pay and your usual invoice size.

Choose PingPong if:

  • You are paid through marketplaces, app stores or processors such as PayPal and Stripe and want a receiving account that collects those payouts.12
  • You want to keep receipts in foreign currency through an EEFC account rather than convert every payment to INR.1
  • You want a free digital FIRC from the dashboard for each receipt.110

Choose PayU if:

  • Your foreign clients prefer to pay by international card or PayPal on a checkout page and you want INR settlement.3
  • You want a provider listed by the RBI as a cross-border payment aggregator for inward transactions.17
  • You already use PayU for domestic payments and want international payments enabled on the same integration.13

For example, say a designer invoices a US client USD 2,000. Because neither provider does not publish full pricing for that case, ask for a quote in writing and compare it with the FIRA rate after the first payment.1637

Which other platforms should you consider besides PingPong and PayU?

Other platforms to consider besides PingPong and PayU are the ones with the lowest estimated cost on a USD 5,000 receipt, listed in that order.2324252627283031333436383940

PlatformBest forEstimated cost on USD 5,000FIRAReview
SkydoLocal bank transfers from major markets220.68%232425262728Skydo says it issues a free FIRA on every payment received, and that its FIRA and FIRC are accepted for GST filing and by banks.2729Skydo review
Karbon BusinessUS bank transfers and marketplace payouts301.00 to 1.18%3031Karbon says it provides a FIRA for every transaction, issued by its licensed banking partner, which it does not name. Cost not published.30Karbon Business review
RazorpayLocal transfers from the US, UK and eurozone321.00 to 1.18%3334Razorpay provides a Foreign Inward Remittance Statement (FIRS), sent to the contact email within 24 hours after settlement for bank transfers, and downloadable from the dashboard, which shows bank-provided certificates and Razorpay-generated statements. The pricing page lists FIRC or eFIRC as included and auto-generated for international cards. No separate charge is published.323534Razorpay review
WinvestaLocal transfers with a published per-payment fee36371.24%36383940Free e-FIRA, emailed within 24 hours of funds reaching the Indian bank account and downloadable from the dashboard; it shows the purpose code and exchange rate.3938Winvesta review

Compare every provider on your own invoice in the platform cost comparison.

How did we verify this?

We checked this page against the sources below on 28 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. [1]PingPong India, home page (checked 2026-10-28)
  2. [2]PingPong India, Freelancers and Service Providers (checked 2026-10-28)
  3. [3]PayU India, International Payment Gateway (checked 2026-10-28)
  4. [4]PingPong India Help Center, What is the charging standard? (checked 2026-10-28)
  5. [5]PingPong India Help Center, How does your virtual account charge? (checked 2026-10-28)
  6. [6]PayU India, Pricing (checked 2026-10-28)
  7. [7]PayU Docs, FAQs: International Payments and Dynamic Currency Conversion (checked 2026-10-28)
  8. [8]PingPong India Help Center, How can I withdraw funds from my PingPong account? (checked 2026-10-28)
  9. [9]PingPong India, Value Added Services (checked 2026-10-28)
  10. [10]PingPong India Help Center, How can I get a FIRC? (checked 2026-10-28)
  11. [11]PingPong India Help Center, What steps should I follow for registering a PingPong account? (checked 2026-10-28)
  12. [12]PayU Docs, Documents Checklist for Account Activation (checked 2026-10-28)
  13. [13]PayU Docs, PayU India International Payments (checked 2026-10-28)
  14. [14]PingPong India, License and Regulation (checked 2026-10-28)
  15. [15]PingPong India, About Us (checked 2026-10-28)
  16. [16]PingPong Service Terms and Conditions, section 3.1, section 9.3 and Exhibit A (Applicable to Customer Location in India) (checked 2026-10-28)
  17. [17]RBI: Certificates of Authorisation issued under the Payment and Settlement Systems Act, 2007, Payment Aggregators (PA-O, PA-P and PA-CB), dated 16 October 2026 (checked 2026-10-28)
  18. [18]RBI: Master Direction on Regulation of Payment Aggregator, 15 September 2025, paragraphs 11(d) and 19
  19. [19]PingPong India Help Center, Are there any requirements to increase the amount of receiving accounts that I have? (checked 2026-10-28)
  20. [20]PingPong India Help Center, Can I receive funds from purchaser through wire transfer? (checked 2026-10-28)
  21. [21]PingPong India Help Center, What are the payment methods available for paying e-invoice? (checked 2026-10-28)
  22. [22]Skydo FAQs, What countries can I get paid locally through Skydo? (checked 2026-10-28)
  23. [23]Skydo FAQ, How much does Skydo charge? (checked 2026-10-28)
  24. [24]Skydo, Home page (checked 2026-10-28)
  25. [25]Skydo FAQ, Who will bear the SWIFT charges? (checked 2026-10-28)
  26. [26]Skydo FAQ, Limitations and restrictions on receiving your foreign remittance via Skydo (checked 2026-10-28)
  27. [27]Skydo, Receive international payments in India as a freelancer (checked 2026-10-28)
  28. [28]Skydo, Terms of use (checked 2026-10-28)
  29. [29]Skydo FAQs, What is accepted for GST filings and banks between FIRA and FIRC? (checked 2026-10-28)
  30. [30]Karbon Business, Karbon for Freelancers (checked 2026-10-28)
  31. [31]Karbon, PayPal alternative (checked 2026-10-28)
  32. [32]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
  33. [33]Razorpay, MoneySaver Export Account (international bank transfers) (checked 2026-10-28)
  34. [34]Razorpay, Pricing (checked 2026-10-28)
  35. [35]Razorpay Docs, FIRS Automated Process (checked 2026-10-28)
  36. [36]Winvesta FAQs, What are the charges for the global collections account? (checked 2026-10-28)
  37. [37]Winvesta FAQs, What currencies are available with local accounts? (checked 2026-10-28)
  38. [38]Winvesta, Multi-currency account (checked 2026-10-28)
  39. [39]Winvesta FAQ, When will I receive my e-FIRA certificate? (checked 2026-10-28)
  40. [40]Winvesta FAQ, Can I get priority processing for my withdrawal? (checked 2026-10-28)
  41. [41]DGFT: eBRC services (self-generation of e-BRC from bank inward remittance data)
  42. [42]GST Portal user guide: Furnishing of Letter of Undertaking (FORM GST RFD-11)

Frequently asked questions

Which is cheaper for Indian exporters, PingPong or PayU?+

There is no cost verdict for a USD 5,000 bank transfer: neither publishes full pricing for this case.1637 The answer can change with the currency, payment method and invoice size, so check your own numbers in the platform cost comparison.

Do PingPong and PayU give a FIRA to Indian exporters?+

PingPong: PingPong says it provides a digital FIRC free of cost. You apply in the dashboard against the relevant transactions and PingPong says the application takes 3 to 5 business days.1910 PayU: PayU says it provides a FIRC on request through the merchant's Key Account Manager. The cost is not published.7

Can individual freelancers use PingPong and PayU?+

PingPong: Individuals (personal account) and businesses registered as partnerships, corporations or sole proprietorships. LLPs are not named.11 PayU: PayU's account activation checklist covers individuals, sole proprietorships, partnerships, LLPs, private and public limited companies and other entity types. International payments must be enabled separately through a PayU Key Account Manager; PayU does not publish which entity types are eligible for them.1213

Are PingPong and PayU authorised by the RBI?+

PingPong: PingPong says its India Liaison Office is approved by the RBI (unique identification number BGLO19008226) and that PingPong acts in India as an Online Payment Gateway Service Provider (OPGSP). Its terms for Indian customers cite the RBI Payment Aggregator Cross Border (PA-CB) rules and say funds are held in an Export Collection Account with an Authorised Dealer bank in India. PingPong does not appear among the PA-CB entities in the RBI list of Certificates of Authorisation dated 16 October 2026. Under the RBI Master Direction of 15 September 2025, the older OPGSP circulars continue only for an existing PA-CB that applied for authorisation on or before 30 April 2024 and whose application is still pending. Whether PingPong has such a pending application is not published on the pages checked.1415161718 PayU: The RBI lists PayU Payments Private Limited as a Payment Aggregator (online and physical) and as PA-CB I & O, a cross-border payment aggregator facilitating inward and outward transactions, in its list dated 16 October 2026.17

How fast do PingPong and PayU pay out to an Indian bank?+

PingPong: PingPong says INR withdrawals submitted before 2:30 pm succeed the same day (T+0) and after 2:30 pm the next day (T+1); non-INR withdrawals succeed within 1 to 3 days. Its freelancer page says 1 to 2 working days to an Indian account.82 PayU: Typically T+2 business days for international payments.37

Do I still need an LUT if I am paid through PingPong or PayU?+

Yes, if you are registered under GST and want to invoice the export without IGST. The Letter of Undertaking is a GST filing for the financial year, and it does not depend on how the money reaches you, whether through PingPong, PayU or a bank wire.42

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.

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