Pricing

Global payments made affordable, secure & fast

0% FX markup | No $10000 limit | 1-business day settlement

Calculate your earnings

USD

Xflow fees

Additional charges


Gross USD amount

Live FX rate*

Guaranteed INR deposit:

Extra earnings

*FX Rate last updated at

**Extra earnings may vary based on different providers

You can use your Xflow account in various ways

Global payments built for IT excellence

Say goodbye to the complexities of traditional financial systems. Experience international payments designed to match the pace of your business. Easily receive payments over USD 10K in a single invoice, earn cashback on idle funds, and gain complete clarity on costs and FX rates at the time of withdrawals—boosting savings and reducing hassles.

Trusted by leading startups

Trusted by 1000+ tech companies, startups and agency owners

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 at zero-FX margin

Transparent pricing at zero-FX margin

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

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

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

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

Don’t break up your invoices

Collect payments of more than $10000 on a single invoice. Transact without limits.

Secure and reliable at all times

Secure and reliable at all times

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

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.

Xflow

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

Drip Capital

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

Tej Mulgaonkar

Tej Mulgaonkar

Director

Tealbox

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

Varun

Varun

Co-founder

Wework

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

Hemant Kumar

Hemant Kumar

WeWork India

Icliniq

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

Dhruv

Founder

Inkle

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

Anand Krishna

CEO & Founder

Karbon

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

Pranav

Pranav

Head of Forex

Mobiux

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

Binu

Founder

Bulkpe

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

Saurabh

Saurabh

Founder

Pixelmattic

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

Sandeep

Founder

Poddl

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

Kushal

Kushal

Founder

Mulya

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

Saurabh

Founder

Distilinfo

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

Sunil

Sunil

Founder

Drip Capital

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

Tej Mulgaonkar

Tej Mulgaonkar

Director

Tealbox

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

Varun

Varun

Co-founder

Wework

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

Hemant Kumar

Hemant Kumar

WeWork India

Icliniq

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

Dhruv

Founder

Inkle

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

Anand Krishna

CEO & Founder

Karbon

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

Pranav

Pranav

Head of Forex

Mobiux

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

Binu

Founder

Bulkpe

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

Saurabh

Saurabh

Founder

Pixelmattic

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

Sandeep

Founder

Poddl

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

Kushal

Kushal

Founder

Mulya

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

Saurabh

Founder

Distilinfo

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

Sunil

Sunil

Founder

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