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Compare ways to get paid from abroad
Every provider is described from its own published pricing and help pages and judged on the same criteria. The directory is ordered only by estimated cost on published fees; no provider can pay to change its position, and there are no affiliate links.
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How do payment platforms for Indian exporters compare?
Payment platforms for Indian exporters compare as follows. This site tracks 19 platforms; some do not accept export receipts from India, and their status column says so. They are ordered by estimated cost on a USD 5,000 receipt from published fees checked on 28 October 2026, cheapest first; platforms without full published pricing follow, A to Z.
| Platform | Best for | Estimated cost on USD 5,000 | FX markup | FIRA | RBI PA-CB status | Pages |
|---|---|---|---|---|---|---|
| Skydo | Local bank transfers from major markets | 0.68% | 0% | Skydo says it issues a free FIRA on every payment received, and that its FIRA and FIRC are accepted for GST filing and by banks. | Skydo Technologies Private Limited is on the RBI list as a PA-CB-I & O (Payment Aggregator, Cross Border, facilitating inward and outward transactions), authorised on 8 January 2026. | Review · Fees · Alternatives |
| Karbon Business | US bank transfers and marketplace payouts | 1.00 to 1.18% | 0% | Karbon says it provides a FIRA for every transaction, issued by its licensed banking partner, which it does not name. | Karbon does not appear in the RBI's list of authorised payment aggregators. | Review · Fees · Alternatives |
| Razorpay | Local transfers from the US, UK and eurozone | 1.00 to 1.18% | 0% | Razorpay 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. | Razorpay Payments Private Limited (formerly Razorpay Software Private Limited) appears on the RBI list of authorised payment system operators as a Payment Aggregator: Online, Physical, and Cross Border facilitating Inward and Outward transactions (PA-CB I and O). | Review · Fees · Alternatives |
| Winvesta | Local transfers with a published per-payment fee | 1.24% | 0% | Free 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. | Winvesta says Winvesta India Technologies Private Limited is an online payment gateway service provider that facilitates cross-border collections under the RBI's regulations. | Review · Fees · Alternatives |
| Payoneer | Marketplace payouts such as Amazon or Upwork | 1.00 to 4.00% | 1 to 4% | Free digital FIRA PDF for each transaction, issued by Payoneer's partner AD bank and available in the account under Manage, Reports and statements, within 24 to 72 hours (the same help article also says 1 to 3 business days). | Payoneer lists 'Payoneer for India' as an Online Payment Gateway Service Provider (OPGSP) registered with the Reserve Bank of India (LO UIN No. | Review · Fees · Alternatives |
| PayPal | Clients paying by card or PayPal balance | 7.27 to 8.23% | 3 to 4% | Free weekly digital FIRA (Foreign Inward Remittance Advise) from February 2026, downloadable under Reports, then Tax, in a business account for the last 12 months; earlier transactions are covered by monthly FIRAs. | PayPal's India user agreement says it provides export payment services as an online payment gateway service provider under RBI A.P. | Review · Fees · Alternatives |
| Adyen | Large businesses with an Indian entity | Not published in full | Not published | Not published. | The RBI lists Adyen India Technology Services Private Limited as an online payment aggregator (PA-O, 15 July 2024) and as PA-CB-O, a cross-border payment aggregator facilitating outward transactions. | Review · Fees · Alternatives |
| Airwallex | Registered businesses paid by bank transfer | Not published in full | Not published | Airwallex says an FIRC is issued by an authorised bank in India; you request it from Airwallex support through the chatbot in the web app, and Airwallex coordinates with its banking partner. | Airwallex's help centre lists India as a supported registration location, with the business onboarded by the Airwallex Singapore entity. | Review · Fees · Alternatives |
| Cashfree Payments | Registered businesses paid by local transfer | Not published in full | Not published | Cashfree's Global Collections page says an e-FIRA is generated at no extra cost within 1 day. | Cashfree Payments India Private Limited appears on the RBI list of authorised payment system operators as a Payment Aggregator (online and physical) and as PA-CB I & O, which the RBI defines as a Payment Aggregator, Cross Border facilitating inward and outward transactions. | Review · Fees · Alternatives |
| Currenxie | Companies registered outside India | Not published in full | Not published | Not published. | No Indian authorisation found. | Review · Fees · Alternatives |
| Dodo Payments | Software and digital product sellers | Not published in full | Not published | Dodo's blog says a FIRA is available on request to support@dodopayments.com and that Dodo routes payouts through its payment partner and shares the FIRA once generated. | Dodo Payments acts as merchant of record under a Master Service Agreement with Dodo Payments Inc. | Review · Fees · Alternatives |
| PayU | Card or PayPal checkout with INR settlement | Not published in full | Not published | PayU says it provides a FIRC on request through the merchant's Key Account Manager. | 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. | Review · Fees · Alternatives |
| PingPong | Collecting marketplace and processor payouts | Not published in full | Not published | PingPong says it provides a digital FIRC free of cost. | 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). | Review · Fees · Alternatives |
| Remitly | US or Canadian business clients already using Remitly | Not published in full | Not published | Not published. | Remitly does not appear on the RBI list of authorised PA-CB entities as on 16 October 2026. | Review · Fees · Alternatives |
| Revolut | Personal spending, not export receipts | Not published in full | Not published | Not published. | Revolut Payments India Private Limited is listed by the RBI as a prepaid payment instrument (PPI) issuer, authorised on 4 April 2025. | Review · Fees · Alternatives |
| Stripe | Card checkout and subscriptions | Not published in full | Not published | Stripe does not issue a FIRC itself. | RBI lists Stripe India Private Limited as an authorised Payment Aggregator Online (PA-O, 'Stripe', dated 15.01.2024), not as a Payment Aggregator-Cross Border (PA-CB). | Review · Fees · Alternatives |
| Tazapay | Companies taking card or local payment methods | Not published in full | Not published | Tazapay lists a fixed fee of USD 4 for a Foreign Inward Remittance Certificate (FIRC) in India. | Tazapay's licences page lists India only through Tazapay Canada Corp., which it says operates under the RBI's Rupee Drawing Arrangement (RDA) as an overseas principal, with foreign currency collected abroad and the INR equivalent credited through authorised banking channels. | Review · Fees · Alternatives |
| TransFi | Payment links shared in chat, including stablecoins | Not published in full | Not published | Not published. | TransFi does not appear on the RBI list of authorised PA-CB entities as on 16 October 2026. | Review · Fees · Alternatives |
| Wise | Bank transfers to local account details | Not published in full | Not published | An e-FIRC for each transfer, emailed to the registered address within 3 working days and downloadable from the transfer page. | RBI's list of authorised payment aggregators dated 16 October 2026 includes Wise Payments India Private Limited as a Payment Aggregator, Cross Border, facilitating inward transactions (PA-CB-I), authorised on 12 March 2026. | Review · Fees · Alternatives |
How do we compare payment platforms?
01
Who can sign up
Individuals, proprietors, LLPs or companies.
02
How clients pay
Local bank details, card, payment link or SWIFT.
03
Fees and conversion
Published fees to receive and convert to INR, or 'Not published'.
04
FIRA or FIRC
Proof of each receipt for GST, RBI and income tax records.
05
Purpose code
How the RBI purpose code is set for your service.
06
Status in India
How the provider's Indian leg is regulated.
Which reviews, fees and comparisons are there for each provider?
Adyen
Airwallex
Cashfree Payments
Currenxie
Dodo Payments
Karbon Business
Payoneer
PayPal
PayU
PingPong
Razorpay
Remitly
Revolut
Skydo
Stripe
Tazapay
TransFi
Winvesta
How to choose
- Adyen, Paddle or Checkout.com: What SaaS Companies Use Instead of Stripe
- Should an Indian exporter receive payments by bank wire or through a payment platform?
- What are the best banks for receiving international payments in India?
- What are the best international payment platforms for Indian exporters in 2026?
- What are the best payment gateways for international payments in India?
- What are the best payment platforms for a SaaS business in India?
- What are the best ways to receive international payments as a freelancer in India?
- What is the cheapest way to receive USD in India?
- How do you choose a payment platform for an agency in India?
- EEFC Account, Wise or Payoneer: What Actually Wins for Receiving USD in India
- How do freelancing platform fees compare for Indian freelancers?
- What is a merchant of record, and should an Indian business use one?
- How do you choose a multi-currency account for an Indian business?
- PayPal, Wise or Payoneer: The Best Way to Receive International Payments in India
- PayPal, Wise or Payoneer: Which Actually Charges the Least to Receive Payments in India
- PayPal, Wise or Payoneer: Which Way of Receiving International Payments Actually Costs Least
- PayPal, Wise, Payoneer or Stripe: The Best Tools for Receiving USD Payments in India
- Razorpay, Cashfree or PayU: Cheaper Ways to Accept Payments Than Stripe in India
- Razorpay, Cashfree or PayU: The Best Stripe Alternatives for Indian Businesses
- Razorpay, Cashfree or Wise: The Best PayPal Alternatives for Indian Businesses
- Remitly, Instarem or Western Union: Which Wise Alternatives Can Send Money from India?
- Remitly, Instarem or Xe: Are They Cheaper Than Wise for Getting Paid in India?
- Stripe, Wise or Payoneer: Which PayPal Alternatives Can Indian Freelancers Use?
- How do you choose a virtual account for receiving export payments in India?
- What Can Indian Freelancers Use Instead of Wise to Receive International Payments?
- Which payment platforms issue a FIRA instantly?
- Wise, Airwallex or Deel: What's Actually Cheaper Than Payoneer
- Wise, Airwallex or Deel: The Payoneer Alternatives Worth Considering in India
- Wise, Airwallex or Skydo: The Best Payoneer Alternatives for India
- Wise, Payoneer or Airwallex: The Best Platform for Receiving USD Payments in India
- Wise, Remitly or Western Union: Which Can Indian Exporters Use to Receive USD in 2026?
- Wise, Stripe or Razorpay: Cheaper Ways to Get Paid Than PayPal in India
- Which payment platforms claim zero forex markup for Indian exporters?
Getting paid by marketplaces and platforms
- How do Indian developers receive Apple App Store payments?
- How do Indian developers receive Google Play Console payments?
- How do Indian creators receive Gumroad payments?
- How do Indian creators receive Patreon payments?
- How do you receive payments from Contra in India?
- How do you receive payments from Deel in India?
- How do you receive payments from Envato in India?
- How do you receive payments from Fiverr in India?
- How do you receive payments from Freelancer.com in India?
- How do you receive payments from Remote.com in India?
- How do you receive payments from Shutterstock in India?
- How do you receive payments from Toptal in India?
- How do you receive payments from Upwork in India?
- How do Indian writers receive Substack subscription payments?
- How do Indian streamers receive Twitch payments?
- How do Indian instructors receive Udemy payments?
- How do Indian creators receive YouTube AdSense payments?