Add Global Payments to Your Platform with Xflow APIs

Despite some recent pessimism, Indian manufacturing and services exporters are experiencing record growth rates. Most experts agree that India's exports are now on a multi-year high growth trajectory. But it is not only the exporters that are enjoying this boom. Platform companies that directly or indirectly support exporters are downstream beneficiaries of this boom.

There’s a catch though. Platforms operate in intense competitive niches. Niche leaders are, therefore, always looking to add difficult-to-replicate features that help them differentiate from their peers and gain a larger market share. One such feature that most Platforms identify is the ability to help customers transact and collect international payments. But this is not an easy capability to build. Enabling cross-border remittances requires that not only difficult engineering problems be overcome but also comply with tough regulatory and legal hurdles.

Xflow, India’s leading payments infrastructure company, now offers Platforms a ready-to-go, legally-compliant and military-grade-secure solution to precisely enable this capability. Platforms in partnership with Xflow, can enable their customers to collect international payments seamlessly within the Platform’s existing workflow.

Global payments mean that your users and customers can get paid from anywhere across the globe without needing to leave your platform. Most platforms use third-party integrations or associations to carry out cross-border transactions, but a platform that supports global payments natively allows you to accept funds in different currencies like USD, EUR, GBP, and more. It converts foreign currency to INR with fair FX rates in real-time, complies with RBI regulations automatically, and settles transactions directly into users' bank accounts. 

For a platform, this isn’t just a payment feature. It’s a retention tool, a revenue stream, and a differentiator rolled into one.You control the experience. You own the relationship. You win the customer.

Xflow gives your platform the power to accept global payments from 160+ countries, covering all major export corridors like the US, UK, EU, Canada, Australia, UAE, Singapore, and more. Coverage isn’t just about where. It’s also about how.

Unlike traditional SWIFT transfers that are slow, expensive, and unpredictable, Xflow enables local collection methods like ACH (US), SEPA (EU), Faster Payments (UK), and domestic bank transfers in supported markets. These methods are:

• Faster: Most of the funds settle within a day or the next business day.
• Cheaper: No intermediary bank fees or hidden charges.
• Reliable: You get to track everything from initiation to payment, and nothing gets lost midway. 

The best part? The payment rails are all baked into a single, unified API, eliminating the need to manage a dearth of integrations. It’s as simple as just choosing a country, entering your local banking details, and starting to accept international payments, all without ever hearing the word “SWIFT.”

FX transparency means presenting a clear and honest breakdown of all the costs, exchange rates, and fees included in any foreign currency transaction instead of hiding them or adding them as unexpected charges.  But in most systems, the way FX is handled is a black box – confusing, inconsistent, and expensive. For platform users, this lack of visibility creates real pain because:

They don’t know what exchange rate they’re getting.

• They can’t tell how much they’re losing to hidden markups.
• They struggle to reconcile final INR amounts against invoice values.
• They can’t predict cash flow with confidence.

This is incredibly damaging for exporters because opaque FX pricing can quickly eat into the profits and margins. Or worse, your users might lose trust

Xflow solves this with:

• Mid-market benchmarked FX rates: Transparent and trackable. What you see is what you get.
• Live quotes at the time of transaction: No surprises. No end-of-day recon slaps.
• Full visibility into charges: Every fee and rate disclosed upfront.
• RBI-compliant conversion and settlement: Ensures both legality and trust.

You can pass this clarity straight through your platform to your users. That’s a competitive edge few others can match. No opaque pricing. No currency confusion. Just clean, honest, reliable global payments.

Setllement and reconciliation include a number of things like repurchase agreements, collateral exchanges, and portfolio transfers. Therefore, platforms for reconciliatio need to cater to multiple aspects like confirming, tracking, and instructing the movement of securities. 

That’s exactly the struggle for most exporters – to be able to track where the money went, when it landed, and how to account for it. Most global payment systems treat settlement and reconciliation as afterthoughts. That’s a mistake. Especially when:

• Funds take 3–5 days to arrive, with no visibility in transit.
• Payments land in suspense accounts, requiring manual follow-up.
• Exporters need to chase bank relationship managers just to get credited.
• Supporting docs like FIRA aren’t issued automatically, delaying compliance.
• Final INR amounts don’t match invoices, breaking accounting workflows.

Here’s where Xflow comes in, solving issues by offering:

• Next-business-day settlement: Fast, predictable timelines from collection to INR credit.
• Direct settlement into accounts: No detours. No suspense. No guesswork. Just direct fund transfers to your receivers bank accounts. 
• Auto-issued FIRAs: Delivered via RBI-authorized banking partners, without manual effort.
• Webhook-based reconciliation: Real-time transaction updates for every stage in the flow.
• Complete audit trail: Every payment mapped, logged, and documented, ready for books or audits.

All this is available through API or the Xflow dashboard. No spreadsheets. No follow-ups. No chaos. Just a single, unified source of financial clarity and forex tranquility, not confusion.

Cross-border payments are a magnet for regulatory scrutiny, bad actors, and operational risk. Every transaction carries exposure, from identity fraud and money laundering to sanctioned entity violations and chargeback fraud.

For platforms, enabling global payments without a bulletproof risk framework is like inviting a fire into your backend.

Here’s what you really need to look after:

• KYC/AML gaps: You don’t always have control on your users, they could be using your platform to facilitate bad actors. But a thorough KYC and AML can keep you from any compliance or regulatory recoil if things backfire. 
• Sanction violations: It only needs one transaction to a sanctioned jurisdiction to grip your platform in the fallout. 
• Spoofed documents: Fabricated invoices, fake FIRAs, and altered declarations are common.
• Chargeback abuse: For most businesses, it’s chargeback abuse is a real, complex issue when cards like VISA, MasterCard, and online wallets are involved in B2B flows.
• Transaction laundering: Even if third-party actors funnel money through your platform, it can jeopardize your compliance posture. 
• Audit trail blind spots: Missing logs mean you're left holding the bag during investigations.

Regulatory fines aren’t just expensive, but they’re also reputation killers. Worse, one fraudulent transaction can freeze your banking relationships or get your product flagged by compliance teams.

The writing on the wall is clear — Your platform can’t afford to play defense. You need risk controls that are built in, not bolted on to work like patchwork.

How Xflow Protects You:

• Tier-1 bank integrations: All transactions are processed via only RBI authorized channels, reducing your regulatory burden. 

• Real-time KYC/AML screening: Your transactions are checked against global watchlists in real-time, eliminating the risk of transacting in sanctioned jurisdictions. 

• Transaction monitoring system: Flags anomalies, high-risk geographies, and behavioral triggers.

• Audit-grade logs: Every action, timestamped and stored — ready for compliance checks.

• Zero data leakage: White-labeled experience, enterprise-grade encryption, and strict data residency protocols.

With Xflow, risk isn’t your burden, it’s our core competency. You focus on building the product. We’ll handle the fire drills.

Every business has its own product flows, user journeys, and engineering constraints. An integration model that’s not tailored to the reality of your business can slow you down, confuse users, and add unnecessary overheads. 

That’s not it, wrong integration models can

• Make entire UI clunky with heavy SDKs that break or hamper the customer experience
• Endless engineering hours wasted managing edge cases.
• Compliance overhead left for the platform team to figure out.

Global payments should feel native, not stitched-on. If your integration feels foreign to the user, or burdensome to your dev team, you lose both adoption and trust.

Xflow was designed to let platforms choose how deep to integrate:

• Full API integration: Own every step of the experience. Build payments directly into your product flow with maximum flexibility.

• Hybrid integration: Use APIs for core flows, while relying on Xflow dashboards for back-office operations like reconciliation or compliance checks.

• Dashboard-first model: Skip the code. Start enabling international collections immediately through Xflow’s ready-to-use interface, while adding APIs later as you scale.

Everything is backed by bank-grade security, RBI compliance, and transparent FX, and real-time reconciliation. The only difference is how much control your team wants over the customer experience. With Xflow, payments bend around your product, not your dev teams or products. 

Adding global payments has never been flexible before. Today, you can choose to integrate an API like Xflow and start offering global payments on your platform, or build it from scratch. 

But let’s be blunt. Building global payments in-house is rough. You’re not just writing your own infrastructure, you’re negotiating with banks, wrangling regulators, decoding RBI circulars, and firefighting failed settlements at 2 AM. Every new corridor adds months of paperwork. Every compliance miss risks freezing your flows. And by the time you finally ship, you’re knee-deep in operational debt, bleeding engineering hours, and still explaining to customers why their money hasn’t landed.

With Xflow, you skip the scars. You get ready-to-ship infrastructure, regulatory cover, and battle-tested rails out of the box. You focus on your product. We handle the grind. Here’s a comparison between build vs building in-house and partner with Xflow. 

Today, diverse Platforms like Transfer Pricing Experts, Neo Banks, Lending Businesses, and even Domestic Payment Providers are working with Xflow to help their customers move millions of dollars. Why are these Platforms working with Xflow?

We answer this question in 2 steps.

1. What do your customers get?
2. What do you get?

Let's first answer how Platform’s customers benefit because Platforms must first determine if their customers will see value in collecting global payments through the Platform.

Let's first understand how businesses receive funds into their India bank account today and their challenges.

• Typically, the Indian exporter will share their bank account details and their bank's SWIFT/BIC code with their overseas buyers. The buyer will initiate the international wire transfer, a SWIFT payment. SWIFT payments cost ~ $50 so somebody has to pay it.

• Depending on which banks are involved, there could be multiple correspondent banks between the buyers' and exporters' banks. The correspondent banks may have their additional charge.

• Due to such intermediaries, funds might take much longer than the typical one-business-day settlement in international wire transfers. Anecdotally, we know that majority of the transactions are delayed beyond one business day, and could take several days to settle without visibility.

• When the funds arrive in India, they do not land directly into the exporter's bank account. Instead, they land into a suspense account. The exporter must now follow up with their relationship manager with appropriate documentation to get the funds credited to their bank account. Depending on the bank and relationship, this could take an additional 2 - 5 days, starving the exporter's business of necessary cash flow.

All cross-border transactions involve currency conversion (FX), another source of frustration for exporters. This process has a high degree of opacity, making it very difficult to ascertain the true cost of payments. Payment providers often quote FX rates in bps or paise without revealing the benchmark rate. Because of these experience issues, some exporters seek out 3rd party payment providers. Unfortunately, these solutions do not work for many businesses, given that most 3rd party providers have a transaction size limit of $10,000, and the improved experience comes at a much higher cost.

An Xflow-powered payment solution on your platform can address all these issues.

With Xflow, Platforms can:

• Offer multiple local-to-overseas-buyers payment options. These payment methods are cheaper and more reliable than SWIFT.

• Provide next-business-day settlement directly into the exporter's bank account. There is no back and forth with the bank.

• Facilitate payments of $1000 or $1 million, as there are no transaction size limits.

• Ensure 100% compliant money movement with foreign inward remittance advice (FIRA) issued by an RBI-authorized global bank.

• Give customers transparent and competitive FX rates benchmarked to mid-market or interbank rates.

Completely white labeled solution

Xflow operates behind the scenes to ensure uninterrupted engagement between the Platform and its users. Platform’s users will never know about Xflow.

New Revenue Stream

Platform can earn commissions on every transaction that it enables. Xflow provides multiple levers, allowing the Platform to create unique revenue model and personalized pricing for each user.

Out-of-the-box compliance and safety

Xflow’s deep integration with RBI-authorized tier 1 banking partners, best-in-class screening technologies, and transaction monitoring system makes every transaction compliant and safe.

Powerful and Flexible APIs

Platforms can do everything, including customer onboarding over APIs. Xflow APIs don’t just abstract away the complexity involved in cross-border money movement but also offer near infinite options to carve an experience that seamlessly blends into the Platform’s product.

Platforms can also manage the show using Xflow’s out-of-the-box Dashboard and without writing a single line of code.

Super fast integration

While designing our APIs, Xflow has put a lot of emphasis on keeping things simple, which allows Platforms to build faster with fewer resources. Typical integration takes less than two weeks.

To summarize, adding international payments on your platform can help you deepen your customer engagement, and build a moat that can propel your business or keep you ahead of your competition. If you choose to build such a moat, Xflow’s global payment infrastructure, which is trusted by many fast scaling platforms like yourself, will be the perfect choice. Reach out to us at contact@xflowpay.com or request a demo now.

Related reading

1. Everything You Need To Know About Global Business Payments Across Borders

2. Global Payment Processing: A Complete Guide