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
**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
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
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 $10000 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.
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
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