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.
Move money faster, save more on every transfer
Save 50% FX CostNo transaction limitsNo hidden fees
We've trusted Xflow for a year for hassle-free payments from US clients and it's been excellent.
12,000+ 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
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 on autopilot
Every international transaction gets eFIRA within 24 hours. Zero manual work.
Don’t break up your invoices
Collect large payments 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, an Indian fintech startup, has secured backing from both Stripe and PayPal Ventures in a $16.6 million funding round. The investment comes as the company works to carve out a position in cross-border B2B payments, a market still dominated by banks and manual processes.
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"Xflow, a leading cross-border payments fintech, today announced the launch of its new flexible, flat-fee pricing plans designed specifically for India's small and mid-sized exporters. "
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"Indian exporters can now focus on growth while Xflow handles complex payment documentation Bengaluru, Karnataka, India (NewsVoir) Xflow today announced the launch of Compliance Desk, a managed service that allows Indian exporters to outsource the complex compliance requirements tied to cross-border payments.
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“Xflow, a Bangalore-based fintech specialising in cross-border payments, has received in-principle approval from the Reserve Bank of India (RBI) to operate as an online Payment Aggregator for Cross-Border transactions. ”
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"Xflow, a financial services and infrastructure company, simplifies the cross-border payments experience for businesses.
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"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
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"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
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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 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 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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