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How Growton cut cross-border payment fees by 75% with Xflow

How Growton cut cross-border payment fees by 75% with Xflow

From unacceptable conversion charges and recurring card limitations to secure USD holdings and a payments partner that genuinely solves problems.

75%

Savings on FX fees

75%

Zero

Hidden charges

Zero

10/10

Rated customer support

10/10
bussiness title
Growton is an India-based digital agency primarily serving clients in Australia. As a cross-border business from day one, managing international payments efficiently and cost-effectively has been central to how the company operates. With recurring inflows from international clients and a growing need for cross-border SaaS subscriptions, Growton needed a payments platform that could handle both sides of the equation receiving and spending internationally.

Industry

Digital Agency

Size

2-10 employees

Region

Global

Website

growton.co

Use case

Growton receives cross-border payments from its Australian client base and manages approximately 50-60 international card transactions monthly for SaaS tools and subscriptions. The firm needed a reliable, cost-effective way to receive international funds, hold USD balances strategically, and make cross-border card payments without being penalised at every step.

Use case

Problem summary

Growton in its early days struggled significantly with the cost of cross-border payments. Previous payment providers were charging anywhere between 3.5-4% on every transaction, which was simply unacceptable for a growing agency operating on international margins.

Beyond the cost of receiving payments, the agency also faced a persistent gap on the spending side. Indian credit and debit cards do not support recurring international payments, making it difficult to manage SaaS subscriptions and cross-border card transactions reliably. With 50-60 such transactions every month, this was not a minor inconvenience, it was a structural problem with no straightforward solution through traditional banking channels.

Why Xflow

Growton discovered Xflow through conversations with founders in the SaaS community through peers who understood that financial platforms need to be both trustworthy and genuinely cost-effective. What Growton found was a legal, reliable way to manage cross-border payments at sub-1% transaction fees, which was significantly lower from what they had been paying before.

Beyond the cost savings, Xflow gave Growton the ability to securely hold USD balances and convert at the most favourable rate which was a meaningful advantage given currency fluctuations. When the dollar moved, Growton was in a position to act on it rather than being locked into immediate conversion.
The international card offering addressed the recurring payments gap directly, enabling the team to manage all SaaS and cross-border card transactions without workarounds. For Growton, what stood out as much as the product was the people, a support team and founding team that approached every interaction as problem-solvers rather than salespeople.

Results

Growton went from paying 3.5-4% on every cross-border transaction to under 1%, a dramatic reduction that directly improved margins on international revenue. USD balances are now held securely and converted strategically, and the international card has eliminated the recurring payments problem entirely. What once required hours of research and workarounds is now handled in one place, with a team that is always ready to help.

Impact on Growton's business

Lower FX costs

Transaction fees dropped from 3.5-4% to under 1%, improving margins on revenue

Lets re-define the international payments experience together

Strategic USD holdings

Funds held securely and converted at the most favourable rate

Lets re-define the international payments experience together

One platform for everything

Receiving payments, holding balances, and spending internationally all in one place

Lets re-define the international payments experience together

People-first support

A proactive team that solves problems, from onboarding through day-to-day operations

Lets re-define the international payments experience together

“It's not just the product, it's the people. They're not selling something, they're genuinely trying to solve the problem. Don't deal with any platform charging you a bomb. Just go with Xflow.”

Ashwin G, Founder at Growton

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