Move money faster, save more on every transfer

Save 50% FX costNo transaction limitsNo hidden fees

7,000+ customers trust us for international payments

Powering seamless global transactions for businesses

Exporters

Get paid seamlessly by global clients

140+ countries supported

Funded Startups

Transfer funds between global and Indian entities

Save 50% FX cost

Fintech Platforms

Power international payments with our API-driven solution

7,000+ businesses

Freelancers

Collect earnings from Upwork, Deel, and more marketplaces

Settlement in 24 hours

Xflow is the platform of choice for receiving international business payments

Freelancers, SMBs and enterprises use Xflow to receive foreign currency funds in an efficient and secure way. Here's why.

Transparent Pricing. No hidden fees.

Get enterprise-grade pricing that is directly linked to mid-market rates. Know the precise INR that lands in your account even before you transact.

Collect your money in hours not days

Track your funds throughout the journey and receive them in your bank account in 1 business day.

Backed by the world’s largest banks

All transactions on the Xflow platform are powered by JP Morgan Chase—one of the world’s largest banks—ensuring your money is safe at all times.

eFIRA, now stress free

Get one-click eFIRA/FIRC for all international transactions within 24 hours without having to follow up with a ‘relationship manager’.

Don’t break up your invoices

Collect payments of more than $10,000 on a single invoice. Transact without limits.

Secure and reliable at all times

Xflow is ISO 27001 and SOC 2 certified—the gold standard in information security.

We're making the headlines

"Xflow, a financial services and infrastructure company, simplifies the cross-border payments experience for businesses.

"Xflow has made it super simple for us, it handled our needs, volumes and edge cases quickly, seamlessly and compliantly," said Anand Krishna, CEO and Founder of Inkle

"Xflow is designed to help businesses send and receive cross-border payments in a compliant and regulatory manner - from freelancers to small and medium enterprises all the way

"Xflow offers a regulatorily compliant way to bring in money from anywhere in the world with no transaction limits. XFlow also offers seamless API infrastructure for platforms to integrate cross-border payments within their experiences

"Xflow caters to a wide range of clientele for international transactions, including names such as WeWork India, Inkle and iCliniq

“With the Xflow and Zoho Books integration, businesses can manage cross-border transactions within their accounting system, reducing manual effort and simplifying the reconciliation process.”

Build your international payments business with Xflow’s APIs

Effortlessly embed best-in-class international payments experience on your platform. Our powerful APIs provide multiple monetization opportunities while abstracting away the complexities of cross-border money movement.

APIs to send and receive international payments

A single integration enables you to open up your payments platform for both exports and imports payments.

New monetization opportunities

Platform partners enjoy multiple avenues to monetise the cross-border payment transactions through Xflow’s extensive API framework designed to support multiple pricing levers.

Completely white-labeled

Everything is done over APIs. Your customers engage only with your brand, while Xflow works behind-the-scenes to keep your business running 24x7. No redirection of users outside your platform.

Quick and easy to integrate

Build faster with fewer resources. Flexible APIs to handle any custom flows. Typical integration takes about 2 weeks

What our users say

Xflow’s product has added tremendous value to our customers by simplifying cross border payments and helping save costs. The integ

Tej Mulgaonkar

Director

Xflow helps me collect payments from customers across multiple countries. With Xflow, global payments are simplified and reconcile

Varun

Co-founder

Xflow has helped us improve collections by making it easy for my customers to pay using their local payment methods

Hemant Kumar

WeWork India

I manage my forex operations and hence it was important for me to find a payments partner who could settle into my EEFC account. X

Dhruv

Founder

Xflow has made it super simple for us to go live with Inkle’s specific cross-border payment use case (intercompany transfer pricin

Anand Krishna

CEO & Founder

Xflowpay has built very powerful, robust, and flexible APIs that any organisation can easily consume to launch cross border paymen

Pranav

Head of Forex

I am able to collect payments for invoices to overseas customers seamlessly using Xflow. My customers in US are also able to pay m

Binu

Founder

Xflow's cross-border payment solution complements our core neobank offering. We love the white-labelled nature of the product. We

Saurabh

Founder

Getting started on Xflow was easy - KYC was simple and I could start transacting in less than 24 hours. Now that we have used Xflo

Sandeep

Founder

We integrated with Xflow to facilitate international payments between clients and freelancers on our marketplace. We found the API

Kushal

Founder

We leverage Xflow to help our customers collect >$10,000 invoices. We draw a lot of comfort from the fact that Xflow has partnered

Saurabh

Founder

With Xflow, we found a convenient, compliant, cost-effective payment provider to bring funds into India under transfer pricing. Th

Sunil

Founder

Xflow’s product has added tremendous value to our customers by simplifying cross border payments and helping save costs. The integ

Tej Mulgaonkar

Director

Xflow helps me collect payments from customers across multiple countries. With Xflow, global payments are simplified and reconcile

Varun

Co-founder

Xflow has helped us improve collections by making it easy for my customers to pay using their local payment methods

Hemant Kumar

WeWork India

I manage my forex operations and hence it was important for me to find a payments partner who could settle into my EEFC account. X

Dhruv

Founder

Xflow has made it super simple for us to go live with Inkle’s specific cross-border payment use case (intercompany transfer pricin

Anand Krishna

CEO & Founder

Xflowpay has built very powerful, robust, and flexible APIs that any organisation can easily consume to launch cross border paymen

Pranav

Head of Forex

I am able to collect payments for invoices to overseas customers seamlessly using Xflow. My customers in US are also able to pay m

Binu

Founder

Xflow's cross-border payment solution complements our core neobank offering. We love the white-labelled nature of the product. We

Saurabh

Founder

Getting started on Xflow was easy - KYC was simple and I could start transacting in less than 24 hours. Now that we have used Xflo

Sandeep

Founder

We integrated with Xflow to facilitate international payments between clients and freelancers on our marketplace. We found the API

Kushal

Founder

We leverage Xflow to help our customers collect >$10,000 invoices. We draw a lot of comfort from the fact that Xflow has partnered

Saurabh

Founder

With Xflow, we found a convenient, compliant, cost-effective payment provider to bring funds into India under transfer pricing. Th

Sunil

Founder