Calculate your extra earning
INR 95,765.20
FX rate
INR 95.7652
FX rate comparison
INR 95,424.80
FX rate
INR 95.4248
INR 95,216.10
FX rate
INR 95.2161
Banks
INR 91,848.50
FX rate
INR 91.8485
Why are businesses switching?
The wrong payment platform drains your margins on every invoice. Most users don't notice until you add up the hidden costs.
Hidden FX markups
Banks and most payment platforms adjust the exchange rate before you ever see it, which is typically between 1–3%. You only realise when the INR that lands is less than what you were expecting.
Slow settlements
Traditional SWIFT transfers take 3–5 business days. That's nearly a week of your money sitting in transit every time a client pays you.
FIRA / FIRC Friction
FIRA is mandatory for GST refunds and compliance filings. Getting it from a bank can take days. Wise charges $2.50 for every one. Without a quick, reliable FIRA, every payment becomes a paperwork problem.
Invoice Limits
Wise allows a maximum of $10,000 per invoice for Indian accounts. If you regularly bill clients more than that, the platform simply won't work for you.
No rate certainty
With Skydo and Wise, the INR you receive is determined by when your transfer gets processed, not when your client paid so there's no way to know your exact payout in advance.
Skydo vs Wise vs Xflow: Complete Breakdown
Good for small transfers only
$10K cap and sole-proprietor-only restriction makes it unsuitable for growing Indian businesses.
$10K cap · Pvt Ltd not supported
Strong for mid-range invoices
Flat-fee works well for $2K–$10K invoices. Good India support. Struggles on large enterprise billing.
$29 flat hurts at scale
Best for Indian exporters
EEFC support, no limits, guaranteed FX rate, transfer pricing compliance, and a white-label platform API.
Recommended for IT exporters
Feature | |||
|---|---|---|---|
FX Markup | 0% | 0% | 0% |
FIRA | Free | $2.50 per transaction | Free |
Invoice / Payment Limit | ₹25,00,000 limit | Max $10,000 per invoice | No limit |
Settlement Speed | 1 business day | Same day to 48 hours | 1 business day |
Guaranteed FX Rate | Not available | Not available | Available |
Currencies Supported | USD, EUR, GBP, AUD, CAD + more | 40+ currencies | 25+ incl. AED, SGD, HKD, CHF |
Ability to hold foreign currency | Not available | Not available | Available |
Zoho Books Integration | Available | Not available | Available |
FX AI Analyst | Not available | Not available | Available |
RBI / FEMA Compliance | PA-CB licensed | RBI regulated | PA-CB licensed |
Invoice Generator | Included | Included | Included |
India-Based Support | WhatsApp + email | Global, not India-specific | Dedicated India onboarding team |
Skydo vs Wise - Pricing at a glance
Compare Skydo vs Wise pricing across invoice sizes and see how Xflow stacks up.
Percentage-Based
Ideal for invoices from
Under $1,000
Freelancers & sole proprietors only. Pvt Ltd and invoices above $10K not supported.
| Invoice value | Fees |
|---|---|
| Upto $10,000 | 1.6–1.9% |
| Above $10,000 | Not supported |
| Per FIRA | + $2.50 |
Flat-Tier Model
Ideal for invoices from
$2,000 – $10,000
Flat fee becomes costly on small invoices and less competitive above $3K.
| Invoice value | Fees |
|---|---|
| Upto $2000 | $19 |
| $2,001 – $10,000 | $29 |
| Above $2001 | 0.3% |
Flat-Tier + Percentage Model
Ideal for invoices from
$500 – $500,000+
Any invoice size, any Indian entity type — no caps, no restrictions.
| Invoice value | Fees |
|---|---|
| Upto $2000 | $12 flat |
| Above $2,000 | 0.6% |
| Above $100,000 | Custom rate |
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
Xflow is built for India and engineered for growth
Xflow is designed for global Indian businesses. Here are some exclusive features that other platforms do not offer.
Guaranteed Live FX Rate
Unique to Xflow Your rate is locked for 3 hours after your client pays. You know the exact INR before you convert.
FX AI Analyst
Unique to Xflow, An AI-powered assistant that helps you decide when to convert based on market conditions.
Ability to hold funds
Unique to Xflow Hold your foreign earnings in USD, GBP, or EUR. Convert when the rate works in your favour.
Local payment rails
Your overseas clients pay like a local bank transfer, ACH in the US, SEPA in Europe, CHAPS/BACS in the UK. Faster, cheaper, without the SWIFT friction.
Fully compliant infrastructure
ISO 27001 + SOC 2 certified. Zero upper limit on transfer size. Enterprise-grade security without enterprise complexity.
Free FIRA
Auto-generated within 24 hours for every transaction. No follow-up calls, no extra charges, no delays before your audit.
Who is Xflow built for?
Use cases | Other Platforms | Xflow |
|---|---|---|
IT / IT Service Exporters | ||
Skydo's $29 flat fee adds up fast when you're processing multiple $5K–$10K invoices every month. | 0.6% flat fee, so a $50,000 invoice costs $300; Wise cannot process it at all. | |
Wise's $10,000 invoice cap, and Skydo’s limit of INR 25L is a hard blocker for enterprise billing. | No invoice limits. Bill enterprise clients at any size, any frequency. | |
Neither platforms allow you to hold funds so you're forced to convert at whatever rate is live. | Hold funds and convert whenever rates are in your favour. | |
FIRAs are needed urgently per project, per client. Delays hold up GST refunds and close-of-books. | Free eFIRA auto-issued instantly for every transaction. | |
SaaS & Startups | ||
Wise doesn't support Pvt Ltd companies in India. Most funded startups are incorporated and locked out entirely. | The only platform in India that handles HQ-to-subsidiary remittances at scale. | |
Skydo has no transfer pricing support. Remittances from a global HQ to an Indian subsidiary require manual compliance work. | Supports all entity types, Pvt Ltd, LLP, OPC, and funded structures. | |
No ability to hold foreign reserves and convert strategically. | Hold forex reserves, convert strategically as your treasury grows. | |
Percentage-based fees on Wise become expensive as MRR and invoice volumes grow. | Custom rates available for $100K+ monthly volume. | |
Freelancers & Agencies | ||
Wise's percentage fee (1.7% avg) gets expensive when you're processing multiple invoices monthly across different currencies. | 0.6% flat fee is more cost-effective than Wise for any invoice above ~$700. | |
Neither platform locks your FX rate. The INR you receive varies from what you quoted your client. | Guaranteed FX rate locked for 3 hours. Know your INR before you convert. | |
FIRA delays with banks hold up tax filings, especially at financial year-end. | Free eFIRA auto-issued on every payment. No chasing, no delays, always ready for filings. | |
Multi-client, multi-currency management is manual and time-consuming. | 25+ currencies supported — USD, EUR, GBP, AUD, AED, SGD, and more. | |
Platforms & Marketplaces | ||
Skydo and Wise are end-user products, not infrastructure. They do not offer API-first access for programmatic onboarding or payment triggering. | Full white-label API with webhooks to embed cross-border payments directly into your product. | |
No white-label capability so you can't embed either platforms into your own product experience. | Programmatic user onboarding to scale your user base without manual KYC overhead. | |