Everything you need to start collecting from India
Accept payments in India's most used local methods - UPI, cards, netbanking. Settle in all major currencies to an overseas account. No Indian entity. No operational hassles.
Collect payments from India, receive anywhere in the world
Get access to 500 million+ UPI users. No entity setup, no operational hassle. Accept payments from Indian customers through UPI, netbanking and bank transfers in INR.
Local payment methods
No Indian entity required
Better conversion
Increase conversion with India’s preferred payment methods
From UPI to cards, access multiple local payment methods through one integration.
90%+ success rates on UPI
More than 500 million Indians pay with UPI every day. More approvals, fewer drop-offs, better checkout conversion.
Stay compliant without building an India payments team
Regulatory requirements are handled with an AD Category-I banking partner, so no India compliance function is needed.
Let customers pay in INR and settle in your currency
Collect in INR and receive payouts in all major currencies including USD, GBP, EUR, CAD, AUD & many more.
Launch in India without registering in India
No company registration, no local bank account, no India payments hire. Live in days, not quarters.
Keep your checkout fully branded
Use your own UI and customer experience while Xflow powers the infrastructure underneath.
One stop solution for businesses of all sizes
E-Commerce
Boost conversions by offering the payment methods Indian shoppers trust most.
Ed-tech
Ensure a smooth enrolment and fee-payment experience for Indian students.
SaaS
Enable compliant subscription billing through UPI & cards.
Travel
Collect booking amount seamlessly across multiple payment methods.
Content & Streaming
Boost subscriber retention and maximise recurring revenue with local mandates.
e-Gaming
Handle high-frequency, low-ticket UPI payments at scale, confirmed instantly.
How India collections work with Xflow
Accept payments in INR. Funds settle through an AD Category 1 bank into an existing overseas bank account, in all major currencies.
01 | Customer reaches checkout
An Indian customer arrives at checkout and sees the amount priced in INR - no currency conversion, no international card prompt.
02 | Access local payment methods
UPI, Visa/Mastercard, netbanking or bank transfer. The customer pays the way they pay everywhere else in India.
03 | Xflow processes the payment
The payment is processed and funds move onward.
04 | Funds settle overseas
Settlement lands in the overseas bank account, in your chosen currency.
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