How much of your foreign invoice reaches your bank?
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At the reference rate for 13 November 2026 (European Central Bank data) you would receive ₹1,88,486.
Karbon BusinessMost rupeespublished fees
₹1,86,262 to ₹1,86,601−₹2,055
Bank transfer to a Karbon virtual USD account
RazorpayMost rupeespublished fees
₹1,86,262 to ₹1,86,601−₹2,055
MoneySaver Export Account: bank transfer to virtual account details (Standard plan)
Skydopublished fees
₹1,86,373−₹2,113
Transfer to Skydo local account details or international SWIFT account
Winvestapublished fees
₹1,85,951−₹2,536
Global Collections Account, standard plan (up to 2,000 a month per currency)
Payoneerpublished fees
₹1,80,947 to ₹1,86,601−₹4,712
Local bank transfer to Payoneer receiving account details
PayPalpublished fees
₹1,72,958 to ₹1,74,760−₹14,627
International commercial transaction received into a PayPal account (PayPal checkout or invoice)
Cashfree Paymentspricing not published
Enter your fee and markup
Global Collections: local account details or Global SWIFT Account
Dodo Paymentspricing not published
Enter your fee and markup
One-time payment by US card or wallet at Dodo checkout
PingPongpricing not published
Enter your fee and markup
Payment into a PingPong virtual receiving account, then withdrawal to an Indian bank
Stripepricing not published
Enter your fee and markup
American Express card issued outside India
Tazapaypricing not published
Enter your fee and markup
Local bank transfer or Swift into a Global Collection Account
TransFipricing not published
Enter your fee and markup
BizPay payment link or collection, settled in INR
Wisepricing not published
Enter your fee and markup
Local (domestic, non-Swift, non-wire) transfer to Wise local account details
Rows marked "published fees" use each provider's own published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28; ranges come from ranges the provider publishes or a GST rate it does not state. Rows are sorted by rupees received; no provider can pay to change its position. Intermediary bank charges are not included. For the full breakdown by payment method, use the platform cost comparison.
Short answer
The calculator shows, provider by provider, the rupees that reach your bank from a foreign invoice.3 It applies each provider's published fee, conversion markup and GST, measured against the European Central Bank reference rate.3 Where a provider does not publish its pricing, such as Wise's conversion percentage for INR, you enter your own figures.4 Every row can be overridden.
| What you enter | What the calculator shows | Data used |
|---|---|---|
| Invoice amount and currency | Rupees received through each named provider, sorted from most to fewest | Each provider's published fees, checked 28 October 20262 |
| Reference rate, or the one filled in for you | The rupees you would receive at the reference rate, with no costs | European Central Bank reference rates3 |
| Your own fee, fixed fee and markup for any provider | That provider's row recalculated on your numbers | Your statement or FIRA4 |
A foreign invoice loses value at several points before it reaches your bank: a provider fee, a conversion markup, GST on the fee and sometimes a FIRA charge. The International Payment Fee Calculator adds these up for each provider so you can compare them on one invoice.3
What does the International Payment Fee Calculator calculate?
The International Payment Fee Calculator calculates how much of a foreign-currency invoice ends up in your Indian bank account through each named provider, after its fee, its FX markup (the gap between the rate you get and the reference rate), GST on the fee and any FIRA charge, as each provider publishes them.3
| You enter | The calculator shows |
|---|---|
| Invoice amount (starts at 2,000) | Rupees received through each provider, sorted from most to fewest |
| Currency: USD, EUR, GBP, AUD, CAD, SGD or AED | The route used for each provider, such as a bank transfer or payment link |
| Reference rate, filled in from European Central Bank data3 | The rupees you would receive at the reference rate, and each row's gap to it |
| Your own fee, fixed fee and markup (optional) | The row recalculated on your numbers |
Each provider name links to that provider's fees page on this site.
How does the International Payment Fee Calculator work out the rupees received?
The International Payment Fee Calculator deducts each provider's fee before conversion, converts the rest at the reference rate less the markup, and then deducts GST on the fee and any FIRA charge.3
- Amount after fees = invoice amount less (invoice amount × percentage fee) less fixed fee
- Rate you get = reference rate reduced by the FX markup percentage
- Rupees received = amount after fees × rate you get, less GST on the fee and any FIRA charge
Where a provider publishes slab fees or a range, the calculator applies the slab for your amount or shows a range. Where a provider says GST applies without stating the rate, the range runs from no GST up to the rate other providers state on their own pages. The cost is the difference between the invoice converted at the reference rate and the rupees received.3
For example, say you invoice USD 2,000, the reference rate is ₹88.00, and your own statement shows a 1% fee, no fixed fee and a 0.5% markup. The amount after fees is USD 1,980, the rate you get is ₹87.56, and you receive about ₹1,73,369 against ₹1,76,000 at the reference rate, a gap of about ₹2,631.3 These are illustrative figures entered as "your numbers", not any provider's published pricing.
How do you use the International Payment Fee Calculator?
You use the International Payment Fee Calculator by entering the invoice amount and currency and reading the rows.
- Enter the invoice amount in foreign currency and choose the currency.
- The reference rate fills in from European Central Bank data; you can replace it with the rate for your payment date.3
- Read the rupees each provider leaves you, with the gap to the reference value.
- To check a provider against your own experience, choose "Use my own numbers" and enter the fee and markup from your statement or FIRA. The FX markup calculator works out the markup from a real payment.
Choose "Back to published fees" to undo your own numbers for a row.
What does an International Payment Fee Calculator result mean?
An International Payment Fee Calculator result is an estimate of the rupees each provider would leave you on its published pricing, or on your numbers, at the reference rate entered.3
- Published fees: the row uses the provider's own published fee, markup, GST on fees and FIRA charge, checked on 28 October 2026.2
- Your numbers: the row uses the fee, fixed fee and markup you entered.
- Pricing not published: the provider does not publish its fee or its markup to INR for that currency, such as Wise's conversion percentage for INR, so you enter your own.4
- Most rupees: the row that leaves the most for the amount entered.
Rows are sorted by rupees received, and no provider can pay to change its position.
How much INR do you receive on $2,000, $5,000 and $10,000 across platforms?
The INR you receive on $2,000, $5,000 and $10,000 is the invoice at the reference rate, less each provider's fee, conversion markup, GST on fees and FIRA charge.3 The table below works this out from published pricing at today's rate.
| Platform | Best for | INR on USD 2,000 | INR on USD 5,000 | INR on USD 10,000 | Cost on USD 5,000 |
|---|---|---|---|---|---|
| SkydoMost INRTransfer to Skydo local account details or international SWIFT account | Local bank transfers from major markets | ₹1,86,373 | ₹4,67,991 | ₹9,39,206 | 0.68% |
| Karbon BusinessBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,85,951 | ₹4,65,377 | ₹9,31,088 | 1.24% |
| PayoneerLocal bank transfer to Payoneer receiving account details | Marketplace payouts such as Amazon or Upwork | ₹1,80,947 to ₹1,86,601 | ₹4,52,367 to ₹4,66,503 | ₹9,04,734 to ₹9,33,007 | 1.00 to 4.00% |
| PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice) | Clients paying by card or PayPal balance | ₹1,72,958 to ₹1,74,760 | ₹4,32,436 to ₹4,36,940 | ₹8,64,899 to ₹8,73,908 | 7.27 to 8.23% |
Not estimated because pricing for USD is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.
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.
Fixed fees weigh more on the smaller invoice and percentage fees on the larger ones, so the order can change between columns.
What does the International Payment Fee Calculator assume, and what does it not cover?
The International Payment Fee Calculator assumes your client pays the full invoice amount by the route shown for each provider, preferring a bank transfer where the provider publishes one.3
- Rates used: the European Central Bank reference rate for the date shown, or the rate you enter.3
- Taxes included: GST on the provider's fee, at the rate the provider states, or a range up to the rate other providers state where it does not.
- Not covered: intermediary (correspondent) bank charges on SWIFT wires, charges by your own bank, and any charges your client pays at their end. These can matter on small invoices, so check a few real statements.
For the full breakdown by payment method, use the platform cost comparison.
What do people get wrong when comparing international payment fees?
The most common mistake when comparing international payment fees is looking at the headline fee and missing the conversion markup and GST.3
- Headline fee only: a low fee with a wide markup can leave fewer rupees than a higher fee with a narrow one.
- One invoice size: the provider leaving the most rupees changes with the amount, so test the sizes you bill.
- Cost as the only factor: whether you get a FIRA, can set the right purpose code, and how fast money settles all matter. See how to receive international payments in India.
- Invoice size limits ignored: RBI caps each transaction processed by a cross-border payment aggregator (PA-CB) at ₹25 lakh.1
Comparing on the full cost and these other factors gives a fairer choice.
Which rules should you know about receiving international payments for services?
The rules to know about receiving international payments for services include the RBI limit on cross-border payment aggregators and how providers publish their fees.12
- PA-CB limit: RBI caps each transaction processed by a cross-border payment aggregator at ₹25 lakh, under the Master Direction on Regulation of Payment Aggregator.1
- Published pricing: providers publish fees on their own pages, and some, such as PayPal India's merchant fees page, carry an older date than the date checked.2
- Reference rates: the European Central Bank publishes its reference rates for information only, so use the rate on your FIRA to measure a real payment.3
Read how to receive international payments in India for the full set of routes.
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]RBI: Master Direction on Regulation of Payment Aggregator, 15 September 2025 (PA-CB transaction limit)
- [2]PayPal India: Merchant fees (page dated 28 March 2024; checked 28 October 2026)
- [3]European Central Bank: euro foreign exchange reference rates
- [4]Wise India, Fees for getting paid (business receive pricing) (checked 2026-10-28)
Frequently asked questions
Where do the International Payment Fee Calculator's fees come from?+
The fees come from each provider's own pricing, help and terms pages, checked on 28 October 2026 and listed on each provider's fees page on this site, for example PayPal India's merchant fees page.2 Rows marked published fees use only those numbers, and rows marked your numbers use what you entered.
Why does a provider show pricing not published in the International Payment Fee Calculator?+
The provider does not publish its fee or its conversion markup to INR for that currency, so the calculator cannot estimate it. For example, Wise does not publish a conversion percentage for INR.4 Enter the numbers from your own statement or FIRA to include that provider in the comparison.
Why does the provider leaving the most rupees change with invoice size?+
Fixed fees weigh heavily on small invoices, while percentage fees and FX markups grow with the amount. A provider with a flat fee can be expensive on a small invoice and cheap on a large one, so run the International Payment Fee Calculator at the invoice sizes you actually bill.
Can a payment provider pay to rank higher in the International Payment Fee Calculator?+
No. The International Payment Fee Calculator sorts rows only by the rupees received on published fees or your own numbers, and no provider can pay to change its position. The site uses no affiliate links, and the label Most rupees simply marks the row that leaves the most for the amount entered.
Can a large export invoice go through a cross-border payment aggregator?+
Only up to the limit. RBI caps each transaction processed by a cross-border payment aggregator (PA-CB) at ₹25 lakh, for both export and import transactions.1 A larger invoice needs another route, such as a bank transfer to your bank, so check the route before you send the invoice.
Does the International Payment Fee Calculator include charges taken by my own bank?+
No. The International Payment Fee Calculator leaves out charges by your own bank, intermediary bank charges on SWIFT wires and any charges your client pays at their end. Check a few real statements, or measure a past payment with the FX markup calculator, to see how large those charges are for you.
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
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