Which payment platform leaves me the most rupees for my invoice?
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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 | SkydoTransfer to Skydo local account details or international SWIFT account | Local bank transfers from major markets | ₹2,113 | 0% | ₹92,130 | 2.24% |
| 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% |
Accept USD this way, but not estimated
- Cashfree Payments: Processing fee not published: the pricing page shows 'Request Price' and 'Low, processing fee; no hidden charges'
- PingPong: Conversion markup to INR not published: PingPong's terms say conversion is at a rate PingPong determines at its discretion
- Tazapay: Fee for receiving into a Global Collection Account not published (contact sales); FX markup not published: Tazapay says the exact rate is displayed before you confirm
- Wise: Conversion fee to INR not published as a percentage: Wise says its conversion fee depends on the currency and shows it only in its calculator, which returned no payment method for USD to INR on 2026-10-28
Not available to Indian exporters for receiving payments, per their own pages: Adyen, Currenxie, Remitly, Revolut.
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.
Short answer
The calculator applies each provider's published fee, conversion markup, GST on fees and FIRA charge to your invoice at the European Central Bank reference rate.1 It sorts providers from most to fewest rupees.1 Providers that do not publish a fee or markup for your currency are listed separately, unestimated.23 Results change with invoice size, because some fees are flat.45
| What you enter | What the calculator shows | Data used |
|---|---|---|
| Invoice amount and currency | Estimated rupees received through each provider, highest first1 | Each provider's published fees, checked 28 October 20262345 |
| How the client pays (bank transfer, card or payment link, or any method) | Each provider's best route for that method, with fee plus GST, markup, rupees received, cost and Best for | Provider pricing pages and European Central Bank reference rates1 |
| The same inputs | Providers not estimated, with what is missing, and providers not available to Indian exporters23 | Provider pricing and help pages23 |
Comparing providers by their headline fee misses most of the cost. A flat fee weighs heavily on a small invoice and a percentage markup on a large one, so the cheapest route depends on the amount.24 The Platform Cost Comparison applies every published component to the amount you enter.
What does the Platform Cost Comparison calculate?
The Platform Cost Comparison calculates the rupees each provider would leave you for one invoice, on its published fees, and sorts the providers from most to fewest rupees.1
| You enter | The calculator shows |
|---|---|
| Invoice amount, starting at 1,000 US dollars | The invoice value in rupees at the European Central Bank reference rate for the date shown1 |
| Currency: USD, EUR, GBP, AUD, CAD, SGD, AED, CHF or JPY | A ranked table: provider and route, Best for, fee plus GST, markup, rupees received and cost |
| How the client pays: bank transfer, card or payment link, or any method | A list of providers not estimated, with what each does not publish |
Providers whose own pages say they do not serve Indian exporters for receiving payments are named at the bottom.
How does the Platform Cost Comparison work out the rupees?
For each provider route that accepts your currency and payment method, the Platform Cost Comparison takes the invoice value at the reference rate and deducts every published cost.1
- Takes the invoice value in rupees at the European Central Bank reference rate.
- Deducts the provider's published receiving fee, using its slab or percentage for your amount, and any published payout fee.
- Converts the rest at the reference rate less the provider's published conversion markup.
- Deducts GST on the fee at the rate the provider states, and any published FIRA charge.
Where a provider says GST applies but does not state the rate, as Razorpay does for its MoneySaver fee, the range runs from no GST to 18%, the rate Skydo, Winvesta and Stripe state on their own pages.3456 Where a provider publishes a range, such as Payoneer's 1% to 4% conversion fee, the calculator shows a range of rupees.2 Where a provider has more than one route for the method, the table shows the route that leaves the most rupees.
For example, Skydo publishes a fee of USD 19 plus GST on receipts up to USD 2,000.4 On a USD 1,000 invoice that is 1.9% of the amount, or about 2.24% with GST at 18%, before any conversion markup.4
How do you use the Platform Cost Comparison?
You use the Platform Cost Comparison by entering the invoice amount, currency and payment method, then reading the ranked table.
- Enter the amount on your invoice. The calculator starts at one thousand US dollars.
- Choose the currency your client pays in.
- Choose how the client pays: bank transfer (local or SWIFT), card or payment link, or any method.
- Read the estimated rupees received, the fee, the markup and the cost for each provider.
- Read the list of providers that could not be estimated, then check any of them on its own fees page.
The table updates as soon as you change an input.
What does a Platform Cost Comparison result mean?
A Platform Cost Comparison result is an estimate of the rupees each provider would leave you on its published pricing, at the reference rate, for the amount and method you chose.1
- Ranked table: providers that publish both their receiving fee and their conversion markup for that route, sorted by estimated rupees received.1
- Not estimated: a provider whose fee or markup is not published appears here with the reason, for example a fee shown only on request or a conversion rate set at the provider's discretion.23
- Not available: providers whose own pages say they do not serve Indian exporters for receiving payments.
Each provider's full fee detail is on its fees page, for example Skydo fees or Payoneer fees.
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 published fee, conversion markup, GST on fees and FIRA charge.1 The table below works this out 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.
Flat fees weigh more on the smaller invoice and percentage fees on the larger ones, so the order can change between columns.24
What does the Platform Cost Comparison assume, and what does it not cover?
The Platform Cost Comparison assumes your client pays the full invoice by the method you chose, and that each provider's published pricing applies to you.1
- Rates used: the European Central Bank reference rate for the date shown; the European Central Bank publishes its reference rates for information only.1
- Taxes included: GST on the provider's fee, at the rate the provider states, or a range where it does not.3456
- Not covered: charges taken by intermediary banks on SWIFT transfers, charges by your own bank, and movement in rates between the reference time and the actual conversion.1
Fees were checked on 28 October 2026 and can change at any time.2345
What do people get wrong when comparing payment platform costs?
The most common mistake when comparing payment platform costs is judging a provider on its headline fee alone.24
- Headline fee only: the conversion markup and GST on the fee are part of the cost.1
- One invoice size: flat fees and percentage fees rank differently as the amount changes.45
- Estimates taken as quotes: compare the result with the rate shown on your FIRA after a real payment, using the FX markup calculator.1
Running the comparison at your usual invoice sizes and checking one real payment gives the clearest picture.
Which rules should you know about payment platform pricing for exporters?
The points to know about payment platform pricing for exporters are how GST applies to provider fees and how each provider sets its conversion rate.46
- GST on fees: Skydo, Winvesta and Stripe state on their own pages that GST at 18% applies to their fees.456
- Published ranges: some providers publish a range or show the exact fee only inside the account, as Payoneer does.2
To choose on more than cost, read how to choose an international payment platform.
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]European Central Bank: euro foreign exchange reference rates
- [2]Payoneer India, Payoneer Fees (checked 2026-10-28)
- [3]Razorpay, MoneySaver Export Account (international bank transfers) (checked 2026-10-28)
- [4]Skydo FAQ, How much does Skydo charge? (checked 2026-10-28)
- [5]Winvesta FAQ, What are the charges for the Global Collections Account? (checked 2026-10-28)
- [6]Stripe Support, Taxes on Stripe fees for India-based businesses (checked 2026-10-28)
Frequently asked questions
Is the provider at the top of the Platform Cost Comparison the best choice for me?+
The provider at the top leaves the most rupees on published fees for the amount, currency and method you entered. It may not suit you if it does not accept your business type, your client's preferred way to pay or your invoice size, so check those points on each provider's review page.
Why is a provider I use missing from the Platform Cost Comparison ranking?+
It is listed under not estimated because it does not publish its receiving fee or its conversion markup to INR for that route. For example, Payoneer shows the exact conversion fee only inside the account.2 Enter its numbers from your own statement in the international payment fee calculator to compare it.
Why does the Platform Cost Comparison order change with the invoice amount?+
Flat fees weigh more on small invoices and percentage fees on large ones. Skydo, for example, charges USD 19 plus GST up to USD 2,000 and 0.3% plus GST above USD 10,000.4 A provider that ranks low on a small invoice can rank high on a large one, so test your usual invoice sizes.
Can a payment provider pay to rank higher in the Platform Cost Comparison?+
No. The Platform Cost Comparison order is calculated only from each provider's published numbers, at the reference rate for the amount you enter. The site uses no affiliate links, and a provider's position changes only when its published pricing or your inputs change.
Why does the Platform Cost Comparison show a range of rupees for some providers?+
A range appears where a provider publishes a range, such as Payoneer's 1% to 4% conversion fee, or where it says GST applies without stating the rate, as Razorpay does for its MoneySaver fee.23 The low end assumes the highest published cost and the high end the lowest.
What does the Best for column in the Platform Cost Comparison mean?+
The Best for column gives a short label for the kind of exporter or payment each provider suits, based on what the provider says on its own pages. It describes fit, so read it alongside the cost columns when you pick a provider for a particular client.
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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