International payments
infrastructure for platforms
Effortlessly embed the best-in-class international payments experience on your platform. Our powerful APIs provide a ton of capabilities while completely abstracting away the complexities of cross-border money movement.
Peerless payments experience
Deliver needle-moving improvements to your user's collection and operations.
Better way to collect
Better way to collect
Buyer pays for your user's invoice with faster and more reliable local bank transfers. Xflow's banking partners manage the cross-border money movement.
Fast and streamlined experience
Fast and streamlined experience
Funds are settled directly to your user's bank account in 1 business day. There are no surprise charges or delays and no need for bank follow-ups.
No limit on transaction size
No limit on transaction size
Compliantly facilitate large value transactions and provide users with a Foreign Inward Remittance Advice (FIRA) issued by an RBI-authorized bank.
Competitive and transparent FX
Competitive and transparent FX
Lower your user's payment cost with competitive FX rates linked to the inter-bank or mid-market rates.
What you see is what you get
What you see is what you get
Know the precise INR amount that will land in your user’s bank account at the time of reconciliation
Completely white-labeled
Xflow operates behind-the-scenes to ensure uninterrupted engagement between you and your users.
Everything is over APIs
Everything is over APIs
You can do everything including user onboarding over APIs. Our tenet is - No redirection of users outside the platform
Manage user communication
Manage user communication
We provide you with all the updates related to your users over webhooks so that you are in control of communications.
Monetization opportunities
Earn commissions on every transaction that happens on your platform.
Multiple revenue models
Multiple revenue models
Leverage multiple fee constructs that can power any revenue model. You can earn revenue through different types of transaction fees and FX markup.
Personalize fees
Personalize fees
Set fees independently for each user (volume drivers, margin makers) and take a porfolio approach to your earnings. Update fees anytime.
Out-of-the-box compliance and safety
You focus on business, and let us handle compliance and safety
RBI-authorized banking partners
RBI-authorized banking partners
We have deep integrations with some of the largest global banks which ensures that money movement on your platform is safe and compliant.
Best-in-class technology partners
Best-in-class technology partners
We have deployed best-in-class screening technologies and fraud monitoring system to minimize the risk for you and your users.
StableCorp powers INR settlements for their customers on Xflow
Watch Rishi, Co-founder of StableCorp, share how they integrated Xflow to give their customers a compliant, fast INR off-ramp.
Build better and ship faster
Product and Engineering teams love Xflow for their unmatched infrastructure to handle international B2B payment workflows.
Powerful and flexible APIs
Our APIs don’t just abstract away the complexity involved in cross-border money movement but also give you infinite options to carve an experience that seamlessly blends into your product.
Super fast integration
While designing our APIs, we put a lot of stress on keeping things simple, which allows our users to build faster with fewer resources. Typical integration takes less than 2 weeks!
Developer centric
Our team has deep expertise in building technology infrastructure and understands what developers need to execute well. There are tons of resources to make your integration smoother.
Humans for help
We love AI, but we love interacting with our customers more. Just ping, and couple of us will show up! Slack, email, phone, whatsapp, anything goes. If your coffee is good, we will drop by too.
savings on costs compared to SWIFT
Finding a reliable fintech partner is not just about saving costs, it's about trust, responsiveness, and long-term alignment. Xflow has supported us...
Neeraj Krishnamoorthy
Director & Co-Founder at TeachEdison
savings on FX costs
Great support, smooth process, and an amazing team. Xflow has made our cross-border payments far more efficient and stress-free...
Divya Nagabushana
Member of Finance at DevRev
saved on fees compared to other providers
Xflow has been a game changer! Withdrawals are seamless and the FX AI tool is unlike anything else. Support is exceptional.
Vatsal Sonani
CEO at iGeek
savings on transaction fees
Xflow has been a game-changer for us. Payments that used to take days now settle in under 24 hours, and the FX AI Analyst allows us to withdraw at exactly the rates we want...
Mayank Pandey
Founder & Director at Elbroz Media Pvt Ltd.
savings on transaction fees
Xflow has been a game changer. We saved lakhs in FX and were able to handle EDPMS seamlessly. Rare to find such a partner.
Kaukab Parvez Khan
Senior Treasury Manager at Innovaccer