Our version of virtual foreign currency account
Allow customers to conveniently pay with their country's local bank transfer, which is reliable and fast. Compliantly withdraw any amount at your convenience and receive funds within 1 business day.
Businesses of all scales, from independent professionals to large enterprises, use Xflow Receiving Accounts for convenience, cost-effectiveness, and compliance.
Collect in multiple currencies
25+ currencies supported
Receive from worldwide*
*except sanctioned and high risk countries
Get Paid to India
INR and EEFC account
Get going quickly and effortlessly
Get a free US$ Xflow Receiving Account on sign-up. Share your Receiving Account details with customers and start receiving payments from almost anywhere in the world. It’s as simple as that!
International payments made simple and reliable
Customers use local transfers to deposit payments into your Receiving Account. Xflow's global banking partner then securely moves money to your bank account.
Improved reliability
Improved reliability
With no intermediary banks between your customers and your Receiving Account, funds are delivered on time with no surprise charges.
Faster settlements
Faster settlements
Unlock payment options like RTP and Fedwire that settle funds to your Xflow Receiving Account instantly and within a few hours, respectively.
Lower costs
Lower costs
The bank fee for local transfers is significantly lower than that of international wires. Payment options like ACH are practically free for your customers.
Track payments, and withdraw any amount compliantly
Get notified of incoming payments and compliantly withdraw funds to your bank account.
Streamlined operations
Streamlined operations
Payments are deposited directly into your bank account. There is no back-forth with your bank to get funds into your account.
No restrictions on withdrawals
No restrictions on withdrawals
You can withdraw funds received in your Xflow Receiving Account whenever you need to, as often as you want, and in any amount you require.
Free FIRA
Free FIRA
Get a free FIRA issued by an RBI-authorized bank for every withdrawal.
Run your business on a fast, predictable and transparent payment stack
Take advantage of speed, predictability, and transparency to improve your business operations.
Next business day settlements
Next business day settlements
Withdrawals from your Xflow Receiving Account reliably arrive in your bank account within 1 business day.
FX certainty
FX certainty
You will know the precise INR amount that will land in your bank account when you withdraw from the Xflow Receiving Account.
Better understanding of costs
Better understanding of costs
Get FX rates linked to inter-bank or mid-market rates to know your actual payment cost.
Trusted by finance teams of fastest growing companies
Prophecy's finance team got full visibility into the rate before every transfer and saved over 50% once they switched to Xflow.
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
Manage your Xflow Receiving Account from our Dashboard or integrate with our APIs to build your own workflows.
